Malaysia · 42 cards

Islamic credit cards with no annual fee in Malaysia

42 of the 86 Islamic credit cards on sale in Malaysia have a published annual fee of zero. Use this list to see which ones, then check the profit rate and the conditions before you apply.

How this list is built

Which cards are included: The bank's published annual fee for the main card is zero. Some banks attach a condition to that, such as a spending target from the second year. Where the bank states one, it is printed under the fee.
The order: Alphabetical by bank, then by card name. Every card here has a published annual fee of zero, so there is no fee to rank them by. Check any condition printed under a fee: some are free only in the first year, or only if you spend a set amount.
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.

The 42 cards at a glance

Card	Annual fee	Profit rate	Minimum income	Rewards
AFFIN AURA Card Credit Card-iAffin Islamic Bank Berhad	No annual fee	8% a year	Not published	None
AFFIN AVANCE Affiliate Credit Card-iAffin Islamic Bank Berhad	No annual fee	15% a year	Not published	None
AFFIN AVANCE Mastercard Credit Card-iAffin Islamic Bank Berhad	No annual fee	15% a year	Not published	None
AFFIN AVANCE Visa / Mastercard with Cash Line Facility Credit Card-iAffin Islamic Bank Berhad	No annual fee	15% a year	Not published	None
AFFIN AVANCE Visa Credit Card-iAffin Islamic Bank Berhad	No annual fee	15% a year	Not published	None
AFFIN Mastercard Basic Credit Card-iAffin Islamic Bank Berhad	No annual fee	15% a year	Not published	None
AFFIN MPN Credit Card-iAffin Islamic Bank Berhad	No annual fee	15% a year	Not published	None
AFFIN Platinum Mastercard Credit Card-iAffin Islamic Bank Berhad	No annual fee	15% a year	Not published	None
AFFIN UKM Alumni Mastercard Credit Card-iAffin Islamic Bank Berhad	No annual fee	15% a year	Not published	None
AFFIN UKM Alumni Premier World Credit Card-iAffin Islamic Bank Berhad	No annual fee	15% a year	Not published	None
Visa Platinum Credit Card-ialrajhi bank Malaysia	No annual fee	18% a year	Not published	Cashback
Islamic SIGNATURE Priority Banking World Mastercard-iAmBank Islamic	No annual fee	1.25% a month	Not published	Reward points
Islamic Visa Infinite Card-iAmBank Islamic	No annual fee	1.25% a month	Not published	Reward points
Islamic Visa Platinum Card-iAmBank Islamic	No annual fee	1.25% a month	Not published	Reward points
Islamic Visa Platinum CARz Card-iAmBank Islamic	No annual fee	1.25% a month	Not published	Fuel savings
Islamic Visa Signature Card-iAmBank Islamic	No annual fee	1.25% a month	Not published	Reward points
SIGNATURE Priority Banking Visa Infinite Credit Card-iAmBank Islamic	No annual fee	1.25% a month	Not published	Cashback
Mastercard Inspire Credit Card-iBank Islam Malaysia Berhad	No annual fee	17.5% a year	Not published	Mixed rewards
Mastercard World Premier Wealth Credit Card-iBank Islam Malaysia Berhad	No annual fee	17.5% a year	Not published	Reward points
Muamalat EON Visa Infinite-iBank Muamalat Malaysia Berhad	No annual fee	1.5% a month	Not published	Mixed rewards
Muamalat Pos Malaysia Visa Infinite-iBank Muamalat Malaysia Berhad	No annual fee	1.5% a month	Not published	Cashback
Visa Infinite-iBank Muamalat Malaysia Berhad	No annual fee	1.5% a month	Not published	Cashback
Al-Aiman Classic Credit Card-iBank Simpanan Nasional (BSN)	No annual fee	11% a year	Not published	Reward points
Al-Aiman Gold Credit Card-iBank Simpanan Nasional (BSN)	No annual fee	11% a year	RM 3,000 a month	Reward points
Al-Aiman Platinum Credit Card-iBank Simpanan Nasional (BSN)	No annual fee	11% a year	RM 4,000 a month	Reward points
BSN G-Card Al-Aiman Visa Credit Card-iBank Simpanan Nasional (BSN)	No annual fee	8.88% a year	RM 2,000 a month	Reward points
BSN-Teachers Al-Aiman Gold Credit Card-iBank Simpanan Nasional (BSN)	No annual fee	8.88% a year	Not published	Reward points
BSN-UUM Al-Aiman Mastercard Gold Credit Card-iBank Simpanan Nasional (BSN)	No annual fee	9.95% a year	Not published	Reward points
BSN-UUM Al-Aiman Mastercard Platinum Credit Card-iBank Simpanan Nasional (BSN)	No annual fee	9.95% a year	Not published	Reward points
PETRONAS Visa Infinite-i Credit CardCIMB Islamic	No annual feeCondition: Waived outright; no spend condition stated.	15% a year	Not published	Fuel savings
PETRONAS Visa Platinum-i Credit CardCIMB Islamic	No annual feeCondition: Waived outright; no spend condition stated.	15% a year	Not published	Fuel savings
Platinum-i Credit CardCIMB Islamic	No annual feeCondition: Waived outright; no spend condition stated.	15% a year	Not published	Reward points
Preferred Visa Infinite-i Credit CardCIMB Islamic	No annual feeCondition: Waived outright; no spend condition stated.	15% a year	Not published	Air miles
Premier World Mastercard Credit Card-iHSBC Amanah Malaysia Berhad	No annual feeCondition: Waived — this is an HSBC Premier relationship card	15% a year	Not published	Cashback
Ikhwan American Express Platinum Card-iMaybank Islamic	Lifetime fee waiver	1.25% a month	Not published	Mixed rewards
Ikhwan Mastercard Gold Card-iMaybank Islamic	Free for life	1.25% a month	Not published	Mixed rewards
Ikhwan Mastercard Platinum Card-iMaybank Islamic	Free for life	1.25% a month	Not published	Mixed rewards
myimpact Ikhwan Mastercard Platinum Credit Card-iMaybank Islamic	No annual fee	1.25% a month	Not published	Cashback
PETRONAS Ikhwan Visa Gold Card-iMaybank Islamic	No annual fee	1.25% a month	Not published	Cashback
PETRONAS Ikhwan Visa Platinum Card-iMaybank Islamic	No annual fee	1.25% a month	Not published	Cashback
Premier Visa Infinite Credit Card-iRHB Islamic Bank	No annual fee	1.25% a month	Not published	Reward points
World Mastercard Credit Card-iRHB Islamic Bank	No annual fee	1.25% a month	Not published	Cashback

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

Affin Islamic Bank Berhad

AFFIN AURA Card Credit Card-i

Tawarruqother

Visa

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

Tawarruqother

Visa

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

Tawarruqother

Mastercard

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 / Mastercard with Cash Line Facility Credit Card-i

Tawarruqother

Visa

Affin Islamic Bank Berhad

AFFIN AVANCE Visa / Mastercard with Cash Line Facility 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

Tawarruqother

Visa

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 Mastercard Basic Credit Card-i

TawarruqClassic

Mastercard

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 MPN Credit Card-i

Tawarruqother

Visa

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

TawarruqPlatinum

Mastercard

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

Tawarruqother

Mastercard

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

TawarruqWorld

Mastercard

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

alrajhi bank Malaysia

Visa Platinum Credit Card-i

TawarruqPlatinum

Visa

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

AmBank Islamic

Islamic SIGNATURE Priority Banking World Mastercard-i

TawarruqWorld

Mastercard

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

TawarruqInfinite

Visa

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

TawarruqPlatinum

Visa

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

TawarruqPlatinum

Visa

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

TawarruqSignature

Visa

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

TawarruqInfinite

Visa

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 Inspire Credit Card-i

TawarruqPlatinum

Mastercard

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 World Premier Wealth Credit Card-i

TawarruqWorld

Mastercard

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 Muamalat Malaysia Berhad

Muamalat EON Visa Infinite-i

TawarruqInfinite

Visa

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 Pos Malaysia Visa Infinite-i

TawarruqInfinite

Visa

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

Visa Infinite-i

TawarruqInfinite

Visa

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 Simpanan Nasional (BSN)

Al-Aiman Classic Credit Card-i

TawarruqClassic

Visa or Mastercard

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

TawarruqGold

Visa or Mastercard

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

TawarruqPlatinum

Visa or Mastercard

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

TawarruqGold

Visa

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

TawarruqGold

Visa or Mastercard

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

TawarruqGold

Mastercard

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

TawarruqPlatinum

Mastercard

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

PETRONAS Visa Infinite-i Credit Card

TawarruqInfinite

Visa

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

TawarruqPlatinum

Visa

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

TawarruqPlatinum

Mastercard

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

TawarruqInfinite

Visa

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

Premier World Mastercard Credit Card-i

UjrahWorld

Mastercard

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 Platinum Card-i

TawarruqPlatinum

Amex

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

TawarruqGold

Mastercard

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

TawarruqPlatinum

Mastercard

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

myimpact Ikhwan Mastercard Platinum Credit Card-i

TawarruqPlatinum

Mastercard

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

TawarruqGold

Visa

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

TawarruqPlatinum

Visa

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

RHB Islamic Bank

Premier Visa Infinite Credit Card-i

TawarruqInfinite

Visa

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

World Mastercard Credit Card-i

TawarruqWorld

Mastercard

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

Other ways to filter cards in Malaysia

Cashback22 cards Lowest minimum income4 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.