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Islamic Credit Cards
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Malaysia · 4 cards

Islamic credit cards with the lowest minimum income in Malaysia

If your income is modest, start here. 4 of the 86 cards on sale in Malaysia publish a minimum income, and all 4 are listed below, lowest first.

How this list is built

Which cards are included
The 12 cards with the lowest minimum monthly income the bank publishes, plus any card tied with the 12th. Cards that publish no minimum income are left out, because we will not guess one.
The order
Lowest minimum monthly income first, then lowest annual fee, then alphabetical by bank and card name.
What this is not
A filter, not a verdict. The order says nothing about which card suits you, and nothing about how sound a card is under Shariah.

82 cards are left out because the bank publishes no minimum income

Of the 86 cards on sale in Malaysia, 82 do not have a published minimum income, so they cannot be placed in this order. That does not mean they have a high one. Ask the bank.

The 4 cards at a glance

CardMinimum incomeAnnual feeProfit rateRewards
BSN G-Card Al-Aiman Visa Credit Card-iBank Simpanan Nasional (BSN)RM 2,000 a monthNo annual fee8.88% a yearReward points
Al-Aiman Gold Credit Card-iBank Simpanan Nasional (BSN)RM 3,000 a monthNo annual fee11% a yearReward points
Al-Aiman Platinum Credit Card-iBank Simpanan Nasional (BSN)RM 4,000 a monthNo annual fee11% a yearReward points
Platinum Explorer Credit Card-iBank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)RM 5,000 a monthRM 38813.5% a yearMixed rewards

Profit rate is the rate the bank publishes on an unpaid balance, not the APR. Where a bank does not publish a figure we say so rather than estimate it.

Each card in more detail

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)

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 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

Other ways to filter cards in Malaysia

No annual fee42 cardsCashback22 cards

This is a reference, not advice

Whether a particular card is acceptable to you is a question for a scholar you trust. We set out what each bank publishes and link the source on every card page so you can check.

Want every card, not a filtered list?

See every card we index in Malaysia, with the issuers and the contracts they use.