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Bank Islam · Visa Infinite · Cashback

Bank Islam Visa Infinite-i

Earns
6.05% Online shopping, from RM8,000 a month
Minimum spend
RM8,000 a month for the top rate
Min income
RM100,000 a year
Annual fee
RM777 Waived at RM120 spend a year
See it on Bank Islam's site

Good for

  • Online, auto billings, groceries and dining: 8% cash back once your month's retail spend reaches RM2,000, 5% from RM1,000.
  • Overseas spend in person: 1% cash back in a month with RM8,000 of retail spend, up to RM100.
  • 3 Plaza Premium lounge visits a year.

Watch out

  • The 5% and 8% cash back is capped at RM30 a month.
  • Other local spend earns only 0.2%, and nothing below RM500 a month.
  • Each cash back type needs a minimum total retail spend in the month, and government, FPX and JomPAY payments earn nothing.
  • RM777 annual fee unless you make 12 transactions or spend RM120 a year. Needs RM100,000 a year income.

What it earns

Cash back, as a share of what you spend.

  • Counts toward the minimum: every billed purchase, except the ones below.
  • Does not count: Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reloads, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.
SpendingEarnsDetails
Dining and Groceries in shops or online8% When you spend RM2,000 or more a month. Up to RM30 back a month, shared with Spending online except Utilities, Insurance and Telco and Spending on recurring payments.
Spending online except Utilities, Insurance and Telco8% When you spend RM2,000 or more a month. Up to RM30 back a month, shared with Dining and Groceries in shops or online and Spending on recurring payments.
Spending on recurring payments8% When you spend RM2,000 or more a month. Up to RM30 back a month, shared with Dining and Groceries in shops or online and Spending online except Utilities, Insurance and Telco.
Dining and Groceries in shops or online8% When you spend RM8,000 or more a month. Up to RM30 back a month, shared with Spending online except Utilities, Insurance and Telco and Spending on recurring payments.
Spending online except Utilities, Insurance and Telco8% When you spend RM8,000 or more a month. Up to RM30 back a month, shared with Dining and Groceries in shops or online and Spending on recurring payments.
Spending on recurring payments8% When you spend RM8,000 or more a month. Up to RM30 back a month, shared with Dining and Groceries in shops or online and Spending online except Utilities, Insurance and Telco.
Dining and Groceries in shops or online5% When you spend RM1,000 or more a month. Up to RM30 back a month, shared with Spending online except Utilities, Insurance and Telco and Spending on recurring payments.
Spending online except Utilities, Insurance and Telco5% When you spend RM1,000 or more a month. Up to RM30 back a month, shared with Dining and Groceries in shops or online and Spending on recurring payments.
Spending on recurring payments5% When you spend RM1,000 or more a month. Up to RM30 back a month, shared with Dining and Groceries in shops or online and Spending online except Utilities, Insurance and Telco.
Spending in shops in a foreign currency1% When you spend RM8,000 or more a month. Up to RM100 back a month.
Spending in ringgit except Dining and Groceries0.2% When you spend RM1,000 or more a month.
Spending in ringgit except Dining and Groceries0.2% When you spend RM2,000 or more a month.
Spending in ringgit except Dining and Groceries0.2% When you spend RM8,000 or more a month.
Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload and moreNothing Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

Getting your cash back

How it's paid
Onto your card statement The cash back is shown on the principal cardholder's monthly statement.
Which month counts
Your billing cycle Your tier is set by the cycle's total retail spend. A charge presented late counts in a later cycle.
When you lose it
A cancelled or overdue card, or a refund Cash back not yet credited is forfeited if the card is cancelled or the account becomes delinquent. Refunds take back the cash back they earned.

Travel

Airport lounges
3 free visits a year Plaza Premium. Worldwide, for the main and supplementary cardholders. Guests get up to 20% off.
Overseas spending fee
1.25% On anything charged in a foreign currency.

Insurance

Travel accident
Up to RM2,000,000
Travel inconvenience
Not listed Bank Islam does not list this cover for this card.
Shopping and fraud cover
Not listed Bank Islam does not list this cover for this card.

Fees and charges

What it costs if you don't pay in full, or use it for cash.

Annual fee
RM777 Waived if you spend RM120 in a year.
Extra (supplementary) cards
RM333 a card Waived with 12 transactions or RM120 of retail spend a year.
Service tax
RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest
15%, 17% or 18% a year An Islamic card (Tawarruq): these are profit rates. They depend on how reliably you paid the minimum over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment
5% of the balance, or RM50 Whichever is higher, plus any instalments.
Late payment
1% of the balance, RM5 to RM50 Charged when the minimum payment is late (ta'widh).
Cash withdrawal
2.5% fee at Bank Islam ATMs, at least RM12 3% or RM50, whichever is higher, at other ATMs. Plus 8% service tax on the fee, and an 18% a year profit rate.
Replacement card
RM50

Who can apply

Income
RM100,000 a year or more
Age
21 or older Extra cardholders from 18.
Documents
  • MyKad copy (front and back) or passport
  • Employees: your latest 3 months' payslips or an EPF statement
  • Self-employed: Form 9, 24 or 49 or business registration, your latest 6 months' bank statements, and Form B with the tax receipt

Other perks

Pay by phone
Google Pay, Samsung Pay
Card network
Visa Infinite

Where this comes from