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Islamic Credit Cards
Countries:United Arab Emirates101Malaysia88Saudi Arabia111Pakistan8Indonesia10Qatar38All countries

Southeast Asia

Islamic credit cards in Malaysia

Every Shariah-compliant credit card we can verify from 27 issuers, with the contract behind each one and the fee schedule it came from.

Cards indexed

88

Issuers

27

With no annual fee

43

Currency

MYR

How the Malaysian market works

The market

Malaysia's Islamic card market is structurally different from the Gulf. Cards were originally built on BAI' AL-INAH (sale-and-buyback) after the SAC permitted it in 2001 (18th meeting, 12 April 2001, resolution 89: 'Islamic Credit Card Based on Bai` `Inah and Wadi`ah'). The SAC then tightened bai' al-inah at its 16th (11 November 2000) and 82nd (17 February 2009) meetings, requiring two clear and separate contracts, no stipulated repurchase condition, different execution times, correct sequence, and real transfer of ownership and possession — and resolved that a stipulation to repurchase renders the contract VOID. That tightening, combined with international scholarly rejection, pushed the market to TAWARRUQ (commodity murabahah), executed mostly through Bursa Malaysia's Bursa Suq Al-Sila' commodity platform. BNM's current policy document 'Credit Card and Credit Card-i' (BNM/RH/PD 028-141, issued 19 December 2025) recognises only TWO approved Shariah concepts for credit card-i — tawarruq (paragraph 9) and ujrah (paragraph 10). Bai' al-inah is not among them, and paragraph 8.4 requires BNM's prior approval before an issuer changes the underlying Shariah concept of a credit card-i product. Tawarruq is now the most widely used contract across Islamic banking generally: Islamic bank financing on tawarruq grew from RM456.1 billion (2019) to RM622.5 billion (2022), an 11% CAGR (BNM Financial Stability Review, Second Half 2022).

Who decides what is compliant

The Shariah Advisory Council (SAC) of Bank Negara Malaysia is the sole authoritative body on Shariah matters for Islamic banking, takaful and Islamic finance in Malaysia; its rulings prevail over any contradictory ruling by another Shariah body and are binding in court proceedings. Each licensed Islamic bank must additionally maintain its own Shariah Committee under BNM's Shariah Governance policy document. Islamic banks are licensed under the Islamic Financial Services Act 2013 (IFSA); development financial institutions (Bank Rakyat, BSN, Agrobank) operate under the Development Financial Institutions Act 2002 (DFIA).

Rules that limit you

  • Minimum income: 'Issuer shall ensure that a principal cardholder is at least twenty-one (21) years old and earns at least a minimum income of RM24,000 per annum.' (BNM PD para 11.1)
  • Two-issuer restriction: a principal cardholder earning RM36,000 per annum or less 'can only hold credit card products from a maximum of two (2) issuers' — counting conventional and Islamic issuers together. (BNM PD para 11.2(a), footnote 4)
  • Credit limit multiple: for a cardholder earning RM36,000 per annum or less, 'the maximum credit limit extended to the cardholder shall be two (2) times his monthly income per issuer. This is applicable to both existing and new cardholders.' (BNM PD para 11.2(b))
  • Retirees are exempt from the minimum income requirement and the two-issuer/credit-limit restrictions. (BNM PD para 11.3)
  • Applicants who cannot prove annual income must place a deposit equal to the credit limit granted. (BNM PD para 12.1)

The contracts Malaysian banks use

The contract is the whole difference between an Islamic card and a conventional one. These are the structures in use here.

Tawarruq71Murabahah + Tawarruq13Ujrah3

Where to start

Lowest published rate

AmBank Islamic

Islamic SIGNATURE Priority Banking World Mastercard-i

5X AmBonus Points for every RM1 of overseas retail spend, with unlimited lounge access

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

No annual fee

Affin Islamic Bank Berhad

AFFIN AURA Card Credit Card-i

Annual fee
No annual fee
Profit rate
8%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Narrow it down

Each list applies one rule to every card on sale here and shows what passes. A filter, not a ranking.

No annual fee42 cardsCashback22 cardsLowest minimum income4 cards
How these lists are built

Every issuer in Malaysia

AEON Bank

0 cards · fully Islamic bank

AEON Credit Service (M) Berhad

0 cards

Affin Islamic Bank

19 cards · fully Islamic bank

From No annual fee a year · 8% profit rate

Agrobank

0 cards · fully Islamic bank

Alliance Islamic Bank

0 cards · fully Islamic bank

alrajhi bank Malaysia

2 cards · fully Islamic bank

From No annual fee a year · 18% profit rate

AmBank Islamic

6 cards · fully Islamic bank

From No annual fee a year · 1.25% profit rate

Bank Islam

8 cards · fully Islamic bank

From No annual fee a year · 17.5% profit rate

Bank Muamalat

7 cards · fully Islamic bank

From No annual fee a year · 1.5% profit rate

Bank Rakyat

13 cards · fully Islamic bank

From RM 150 a year · 13.5% profit rate

Boost Bank

0 cards

BSN

7 cards · Islamic window

From No annual fee a year · 11% profit rate

CIMB Islamic

5 cards · fully Islamic bank

From No annual fee a year · 15% profit rate

Citibank Malaysia

0 cards

GX Bank

0 cards

Hong Leong Islamic Bank

0 cards · fully Islamic bank

HSBC Amanah Malaysia

3 cards · fully Islamic bank

From No annual fee a year · 15% profit rate

KAF Digital Bank

0 cards · fully Islamic bank

Kuwait Finance House (Malaysia)

0 cards · fully Islamic bank

Maybank Islamic

9 cards · fully Islamic bank

From Lifetime annual fee waiver a year · 1.25% profit rate

MBSB Bank

0 cards · fully Islamic bank

OCBC Al-Amin Bank

0 cards · fully Islamic bank

Public Islamic Bank

4 cards · fully Islamic bank

From RM 150 a year · 15% profit rate

RHB Islamic Bank

5 cards · fully Islamic bank

From No annual fee a year · 1.25% profit rate

Ryt Bank

0 cards

Standard Chartered Saadiq

0 cards · fully Islamic bank

United Overseas Bank (Malaysia)

0 cards

Reading the Malaysian market

Things about this market that the comparison tables do not tell you.

Malaysia quietly rebuilt every Islamic credit card in nine months

Between July 2025 and January 2026, six Malaysian issuers moved their credit cards off bai' al-inah and onto tawarruq. Then the central bank wrote the old structure out of the rules. Almost nobody told the cardholders.

The Malaysian rate that is not the rate you pay

Malaysian Islamic cards quote a contractual ceiling rate, then rebate it down to a lower effective rate. Both numbers are real. Only one of them is the price, and some banks publish neither clearly.

All 88 Islamic credit cards in Malaysia

Affin Islamic Bank Berhad

AFFIN AURA Card Credit Card-i

Annual fee
No annual fee
Profit rate
8%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN AVANCE Affiliate Credit Card-i

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN AVANCE Mastercard Credit Card-i

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN AVANCE Visa Credit Card-i

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN DUO Mastercard Rewards Credit Card-i

Annual fee
RM 75
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN DUO Visa Cash Back Credit Card-i

Annual fee
RM 75
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN DUO+ Mastercard Credit Card-i

Annual fee
RM 100
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN DUO+ Visa Credit Card-i

Annual fee
RM 100
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN INVIKTA Visa Infinite Credit Card-i

Annual fee
RM 500
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN INVIKTA World Mastercard Credit Card-i

Annual fee
RM 500
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN Mastercard Basic Credit Card-i

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN Mastercard Gold Credit Card-i

Annual fee
RM 150
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN MPN Credit Card-i

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN Platinum Mastercard Credit Card-i

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN UKM Alumni Mastercard Credit Card-i

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN UKM Alumni Premier World Credit Card-i

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN Visa Business Platinum Credit Card-i

Annual fee
RM 300
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Affin Islamic Bank Berhad

AFFIN World Mastercard Credit Card-i

Annual fee
RM 500
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq

Full breakdown

alrajhi bank Malaysia

Visa Platinum Credit Card-i

5% cashback on dining, groceries, online transactions and utility payments, capped at RM30 per month

Annual fee
No annual fee
Profit rate
18%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

alrajhi bank Malaysia

Visa Signature Credit Card-i

Up to 10% cashback on overseas spend, capped at RM80 per month

Annual fee
RM 500
Profit rate
18%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

AmBank Islamic

Islamic SIGNATURE Priority Banking World Mastercard-i

5X AmBonus Points for every RM1 of overseas retail spend, with unlimited lounge access

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

AmBank Islamic

Islamic Visa Infinite Card-i

5X AmBonus Points for every RM1 of overseas retail spend

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

AmBank Islamic

Islamic Visa Platinum Card-i

2X AmBonus Points for every RM1 of overseas retail spend

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

AmBank Islamic

Islamic Visa Platinum CARz Card-i

Up to 5% cash rebate on petrol at any brand

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Fuel savings

Full breakdown

AmBank Islamic

Islamic Visa Signature Card-i

3X AmBonus Points for every RM1 of overseas retail spend

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

AmBank Islamic

SIGNATURE Priority Banking Visa Infinite Credit Card-i

Up to 5% cashback on retail spend, scaled to your assets under management with the bank

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Bank Islam Malaysia Berhad

Mastercard Gold Credit Card-i

Entry-level Shariah-compliant Mastercard at the RM24,000 annual income floor

Annual fee
RM 130
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Bank Islam Malaysia Berhad

Mastercard Inspire Credit Card-i

Lifetime fee waiver for 21-35 year olds, with a 9% p.a. rate for education-sector customers

Annual fee
No annual fee
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Bank Islam Malaysia Berhad

Mastercard Platinum Credit Card-i

TruPoints and cash back on a RM36,000 minimum annual income

Annual fee
RM 388
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Bank Islam Malaysia Berhad

Mastercard World Credit Card-i

Up to 3X TruPoints on contactless and petrol spend

Annual fee
RM 777
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank Islam Malaysia Berhad

Mastercard World Premier Wealth Credit Card-i

Up to 3X TruPoints with a lifetime annual fee waiver, by Premier Wealth invitation

Annual fee
No annual fee
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank Islam Malaysia Berhad

Visa Gold Credit Card-i

Entry-level Shariah-compliant card at the RM24,000 annual income floor

Annual fee
RM 130
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Bank Islam Malaysia Berhad

Visa Infinite Credit Card-i

Up to 8% cash back on online, auto billing, grocery and dining spend

Annual fee
RM 777
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Bank Islam Malaysia Berhad

Visa Platinum Credit Card-i

Cash back and TruPoints on a RM36,000 minimum annual income

Annual fee
RM 388
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Cikgu Sejati Credit Card-i

5% cashback at petrol stations, stationery shops, bookstores and hotels

Annual fee
RM 388
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Mixed rewards

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Gold Credit Card-i

1 Rakyat Rewards point per RM10 spent with the annual fee waived outright

Annual fee
RM 150
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Reward points

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Gold PDRM Credit Card-i

1 Rakyat Rewards point per RM10 plus a discounted 1.5% cash withdrawal fee

Annual fee
RM 150
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Reward points

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Jit Sin Alumni Credit Card-i

Annual fee
RM 388
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Muslimah Credit Card-i

5% cashback on dining and utilities, with more categories unlocked as income rises

Annual fee
RM 388
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Cashback

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

MyF1RST Credit Card-i

5x Rakyat Rewards points on online purchases

Annual fee
RM 150
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Reward points

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

PAUTM Credit Card-i

10x points on Shariah-compliant overseas spend and 5x on groceries, car servicing and EV charging

Annual fee
RM 388
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Reward points

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

PDRM Platinum Credit Card-i

1 Rakyat Rewards point per RM10 plus a discounted 1.5% cash withdrawal fee

Annual fee
RM 388
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Reward points

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Perodua Credit Card-i

5x Rakyat Rewards points on fuel, vehicle maintenance, motor takaful and EV charging

Annual fee
RM 388
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Reward points

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Platinum Credit Card-i

1 Rakyat Rewards point per RM10 spent, plus a profit rebate rising to 3% by year 3

Annual fee
RM 388
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Reward points

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Platinum Explorer Credit Card-i

5% cash back on all airline and hotel bookings plus Rakyat Rewards points

Annual fee
RM 388
Profit rate
13.5%
Minimum income
RM 5,000 a month
Structure
Murabahah + Tawarruq
Mixed rewards

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

World Mastercard Credit Card-i

10x Rakyat Rewards points on overseas spend plus a 5% rebate on travel and dining capped at RM1,500 a year

Annual fee
RM 500
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Mixed rewards

Full breakdown

Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

Xclusive Explorer Credit Card-i

5% cash back on airline and hotel bookings, capped at RM1,000 a year

Annual fee
RM 388
Profit rate
13.5%
Minimum income
Not published
Structure
Murabahah + Tawarruq
Cashback

Full breakdown

Bank Muamalat Malaysia Berhad

Muamalat AmanahRaya Visa Platinum-i

Entry-level Shariah card at the RM24,000 income floor, with lounge access

Annual fee
RM 80
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Bank Muamalat Malaysia Berhad

Muamalat EON Visa Infinite-i

5% cash back on contactless spend, lounge access and EON VIP events

Annual fee
No annual fee
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Bank Muamalat Malaysia Berhad

Muamalat EON Visa Platinum-i

3% cash back on contactless spend plus EON automotive discounts

Annual fee
RM 138
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Bank Muamalat Malaysia Berhad

Muamalat Pos Malaysia Visa Infinite-i

8% cash back at Pos Malaysia counters with a lifetime fee waiver and lounge access

Annual fee
No annual fee
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Bank Muamalat Malaysia Berhad

Muamalat Pos Malaysia Visa Platinum-i

8% cash back at Pos Malaysia counters

Annual fee
RM 80
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Bank Muamalat Malaysia Berhad

Visa Infinite-i

Lifetime fee waiver with lounge access and unlimited 1% overseas cash back

Annual fee
No annual fee
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Bank Muamalat Malaysia Berhad

Visa Platinum-i

Unlimited 1% cash back on overseas spend, first year fee free

Annual fee
RM 138
Profit rate
1.5% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Bank Simpanan Nasional (BSN)

Al-Aiman Classic Credit Card-i

No annual fee for life with profit charge from 11% p.a., plus BSN Happy Points

Annual fee
No annual fee
Profit rate
11%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank Simpanan Nasional (BSN)

Al-Aiman Gold Credit Card-i

Free-for-life Gold card with RM100,000 travel accident takaful and Happy Points

Annual fee
No annual fee
Profit rate
11%
Minimum income
RM 3,000 a month
Structure
Tawarruq
Reward points

Full breakdown

Bank Simpanan Nasional (BSN)

Al-Aiman Platinum Credit Card-i

2x Happy Points on dining, golf, travel and all overseas spend, free for life

Annual fee
No annual fee
Profit rate
11%
Minimum income
RM 4,000 a month
Structure
Tawarruq
Reward points

Full breakdown

Bank Simpanan Nasional (BSN)

BSN G-Card Al-Aiman Visa Credit Card-i

8.88% p.a. Tier I for civil servants plus 2,000 welcome Happy Points

Annual fee
No annual fee
Profit rate
8.88%
Minimum income
RM 2,000 a month
Structure
Tawarruq
Reward points

Full breakdown

Bank Simpanan Nasional (BSN)

BSN-Teachers Al-Aiman Gold Credit Card-i

The cheapest card in BSN's range - 8.88% p.a. Tier I and a 14% p.a. worst case

Annual fee
No annual fee
Profit rate
8.88%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank Simpanan Nasional (BSN)

BSN-UUM Al-Aiman Mastercard Gold Credit Card-i

Free-for-life UUM community card with a 9.95% p.a. Tier I rate

Annual fee
No annual fee
Profit rate
9.95%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank Simpanan Nasional (BSN)

BSN-UUM Al-Aiman Mastercard Platinum Credit Card-i

Free-for-life UUM Platinum with RM300,000 travel accident takaful

Annual fee
No annual fee
Profit rate
9.95%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

CIMB Islamic

Lite-i Credit Card

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

CIMB Islamic

PETRONAS Visa Infinite-i Credit Card

Up to 12% cash rebate at PETRONAS, Setel and PETRONAS EV charging

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq
Fuel savings

Full breakdown

CIMB Islamic

PETRONAS Visa Platinum-i Credit Card

Up to 8% cash rebate at PETRONAS, Setel and PETRONAS EV charging

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq
Fuel savings

Full breakdown

CIMB Islamic

Platinum-i Credit Card

1 Bonus Point for every RM1 spent

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

CIMB Islamic

Preferred Visa Infinite-i Credit Card

8X Bonus Points on local dining, overseas spend and zakat or charity payments

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

HSBC Amanah Malaysia Berhad

MPower Credit Card-i

Annual fee
RM 90
Profit rate
15%
Minimum income
Not published
Structure
Ujrah

Full breakdown

HSBC Amanah Malaysia Berhad

MPower Platinum Credit Card-i

Up to 8% bonus cashback on eWallet, groceries and petrol

Annual fee
RM 240
Profit rate
15%
Minimum income
Not published
Structure
Ujrah
Cashback

Full breakdown

HSBC Amanah Malaysia Berhad

Premier World Mastercard Credit Card-i

1% unlimited cashback on all overseas spending

Annual fee
No annual fee
Profit rate
15%
Minimum income
Not published
Structure
Ujrah
Cashback

Full breakdown

Maybank Islamic

Ikhwan American Express Gold Card-i

5x TreatsPoints on all petrol spend and 2x on everything else

Annual fee
Lifetime annual fee waiver
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Maybank Islamic

Ikhwan American Express Platinum Card-i

8% cash back on online spend every month, plus TreatsPoints

Annual fee
Lifetime fee waiver
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Maybank Islamic

Ikhwan Mastercard Gold Card-i

5% rebate on petrol and groceries on Fridays and Saturdays, plus 1 TreatsPoint per RM1 spent

Annual fee
Free for life
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Maybank Islamic

Ikhwan Mastercard Platinum Card-i

5% rebate on petrol and groceries on Fridays and Saturdays, plus 1 TreatsPoint per RM1 spent

Annual fee
Free for life
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Mixed rewards

Full breakdown

Maybank Islamic

Ikhwan Visa Infinite Card-i

Up to 2 TreatsPoints per RM1 locally and 5 TreatsPoints per RM1 overseas

Annual fee
RM 800
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Maybank Islamic

myimpact Ikhwan Mastercard Platinum Credit Card-i

Up to 8% cash back across eight ESG-friendly categories, up to RM70 a month

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Maybank Islamic

PETRONAS Ikhwan Visa Gold Card-i

8% cash back at PETRONAS stations on Saturdays and Sundays, 1% Monday to Friday

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Maybank Islamic

PETRONAS Ikhwan Visa Platinum Card-i

8% cash back at PETRONAS stations on Saturdays and Sundays, 1% Monday to Friday

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Maybank Islamic

World Elite Mastercard Ikhwan

10 TreatsPoints per RM5 locally and 25 TreatsPoints per RM5 overseas

Annual fee
RM 800
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Public Islamic Bank

Gold MasterCard Credit Card-i

1% Cash Back on groceries

Annual fee
RM 150
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Public Islamic Bank

Platinum MasterCard Credit Card-i

2% Cash Back on groceries and departmental store transactions

Annual fee
RM 333
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Public Islamic Bank

Visa Gold Credit Card-i

1% Cash Back on online transactions

Annual fee
RM 150
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Public Islamic Bank

Visa Platinum Credit Card-i

2% Cash Back on online and overseas transactions

Annual fee
RM 333
Profit rate
15%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

RHB Islamic Bank

Cash Back Credit Card-i

Up to 10% cashback on online dining and grocery spend

Annual fee
RM 70
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

RHB Islamic Bank

Premier Visa Infinite Credit Card-i

Up to 10x Loyalty Plus points per RM1 on overseas spend

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

RHB Islamic Bank

Rewards Credit Card-i

10x Loyalty points per RM1 on cinema and entertainment spend

Annual fee
RM 200
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

RHB Islamic Bank

Shell Visa Credit Card-i

Up to 12% cashback on Shell fuel

Annual fee
RM 195
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Fuel savings

Full breakdown

RHB Islamic Bank

World Mastercard Credit Card-i

Up to 6% cashback on domestic petrol, travel and dining at the top spend tier

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

No longer offered

We keep withdrawn cards on the site because people still hold them and still search for them, and because a card quietly disappearing is itself worth knowing.

AmBank Islamic

Islamic e-Cosway Card-i

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Withdrawn

Full breakdown

AmBank Islamic

Islamic Mastercard Gold Card-i

1 AmBonus Point for every RM1 spent

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward pointsWithdrawn

Full breakdown

AmBank Islamic

Islamic Mastercard Platinum Card-i

2X AmBonus Points on overseas retail transactions

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward pointsWithdrawn

Full breakdown

AmBank Islamic

Islamic Mastercard Platinum CARz Card-i

Up to 5% cash rebate on petrol at any brand

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Fuel savingsWithdrawn

Full breakdown

AmBank Islamic

Islamic Visa Gold Card-i

1 AmBonus Point for every RM1 spent

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward pointsWithdrawn

Full breakdown

AmBank Islamic

Islamic Visa Gold CARz Card-i

Up to 3% cash rebate on petrol at any brand

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Fuel savingsWithdrawn

Full breakdown

AmBank Islamic

Islamic World Mastercard-i

5X AmBonus Points for overseas spend

Annual fee
No annual fee
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward pointsWithdrawn

Full breakdown

Bank Islam Malaysia Berhad

Visa FIFA World Cup 2026 Credit Card-i

Up to 5% cash back on online, auto billing, grocery and dining - closed to new applications

Annual fee
Not published
Profit rate
17.5%
Minimum income
Not published
Structure
Tawarruq
CashbackWithdrawn

Full breakdown

CIMB Islamic

PETRONAS Platinum-i Credit Card

Discontinued — formerly up to 7% cash rebate on Setel transactions at PETRONAS

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Ujrah
Fuel savingsWithdrawn

Full breakdown

Maybank Islamic

World Mastercard Ikhwan Card-i

5 TreatsPoints per RM2 locally and 5 TreatsPoints per RM1 overseas

Annual fee
Not published
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward pointsWithdrawn

Full breakdown

RHB Islamic Bank

Rewards Motion Code Credit Card-i

Annual fee
RM 200
Profit rate
1.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward pointsWithdrawn

Full breakdown