Premier World Mastercard Credit Card-i

What makes this card Islamic

HSBC Amanah Malaysia Berhad builds this card on a Ujrah contract. The bank charges you a fixed fee for the service of giving you a card, rather than a charge that grows with the money you owe.

Same PDS and structure as the rest of the HSBC Amanah range: a service fee (ujrah) card, not bai' al-inah and not stated as tawarruq on the PDS.

Approved by Shariah Committee of HSBC Amanah Malaysia Berhad, under the supervision of Bank Negara Malaysia.

What it costs

Every figure below comes from HSBC Amanah Malaysia Berhad’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

No annual feeWaived — this is an HSBC Premier relationship cardsource

Supplementary card

RM 0Waived

Profit rate

15% a yearCeiling: Fixed Monthly Management Fee of RM2,250 per month against a Maximum Credit Limit of RM150,000. Effective: Actual Monthly Management Fee based on actual usage, tiered 15.0% / 17.0% / 18.0% p.a. on purchases by payment record; Cash Advance 18.0% p.a. calculated daily; Balance Transfer / Cash Instalment Plan / Auto Balance Conversion / Balance Conversion Plan each up to 18.0% p.a.source

Cash withdrawal

RM50 per RM1,000 of cash advance

Late payment

RM 100Compensation Fee: minimum of RM10 or 1% of the outstanding balance, whichever is higher, up to a maximum of RM100

Foreign currency spend

1% on top of the exchange rate

Replacement card

RM 50

What you get back

• Earn 1% cashback on all overseas spending (with an unlimited cap)
• 0.5% cashback on all local transactions (with an unlimited cap)

Other benefits

• 6x complimentary airport lounge passes to Plaza Premium Lounges
• Complimentary travel insurance with up to USD500,000 coverage
• Complimentary one (1) night stay at some of the best hotels around the globe
• e-Commerce Protection by Mastercard providing worldwide coverage and reimbursements of up to USD200
• 20 days management-fee free on all transactions except Balance Transfer and Cash Advance, provided the previous month's statement balance is settled in full

Before you apply

• The annual fee is waived but the RM25 service tax per principal and per supplementary card still applies.
• Unlimited-cap cashback at 1% overseas / 0.5% local is a low headline rate; the value here is the lounge, travel-insurance and hotel benefits, not the cashback.
• The Product Disclosure Sheet located is dated 2019; the current PDS PDF is image-only with no extractable text, so figures could not be re-verified against it.

Can you get it?

Age

21 and over

Other conditions

'Be aged 21 or older as the primary cardholder (any supplementary cardholders must be aged 18 or older)'. No minimum income figure is stated on the product page — this is an HSBC Premier relationship card, so eligibility runs off the Premier relationship criteria rather than a published card income floor. Recorded as null rather than assumed.

Where these figures come from

Last checked against HSBC Amanah Malaysia Berhad’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

• “HSBC Amanah Premier World Mastercard Credit Card-i / 2,250 / 150,000 — HSBC Amanah Credit Card-i PDS 2019, Fixed Monthly Management Fee table”
• “HSBC Amanah Premier World Mastercard Credit Card-i / Waived / Waived — HSBC Amanah Credit Card-i PDS 2019, Annual Fee table”
• “Earn 1% cashback on all overseas spending (with an unlimited cap) — HSBC Amanah Premier World Mastercard Credit Card-i product page”
• “0.5% cashback on all local transactions (with an unlimited cap) — HSBC Amanah Premier World Mastercard Credit Card-i product page”
• “6x complimentary airport lounge passes to Plaza Premium Lounges — HSBC Amanah Premier World Mastercard Credit Card-i product page”
• “Complimentary travel insurance with up to USD500,000 coverage — HSBC Amanah Premier World Mastercard Credit Card-i product page”
• “e-Commerce Protection by Mastercard provides you with worldwide coverage and reimbursements of up to USD200 — HSBC Amanah Premier World Mastercard Credit Card-i product page”
• “Be aged 21 or older as the primary cardholder (any supplementary cardholders must be aged 18 or older) — HSBC Amanah Premier World Mastercard Credit Card-i product page”

• Product page
• Schedule of charges