Kad Kredit Bank Islam Terbaik | Best Bank Islam Credit Cards

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dloanman

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Best Bank Islam Credit Cards
Bank Islam Card-i was the first Shariah contract credit card to be offered to Muslim and Non-Muslim alike in Malaysia. Building on the strength of that foundation Bank Islam now offers a range of credit cards that cater to everyone's needs, with Classic, Gold and Platinum MasterCards that give you unlimited cashback on every single purchase. Compare them all and apply online.

CLICK HERE TO APPLY
Credit Card » Bank Islam


Not found the card you're looking for yet? Check out some other banks!
Overview of Bank Islam Credit Cards In Malaysia
Based on the core foundation of Islamic Banking principles, Bank Islam credit cards have a range of benefits to cater to everyone’s needs with its Classic, Gold and Platinum Mastercards.
What’s better than having unlimited cashback on every single purchase that awaits you?

What are the Features and Benefits of Bank Islam Credit Card?
Bank Islam TruPoints for TruRewards Loyalty Program
Bank Islam credit cards comes with a reward programme that helps you earn while you spend.

You can earn your way to redeem cool gadgets, appliances and services benefits with Bank Islam’s TruRewards Loyalty Programme!

You can gain 1 TruPoints for every RM1 you spend on all local and overseas retail purchases.

Moreover, you can double or triple or quadruple your TruPoints when your supplementary cardholders spend on their cards too!

Do note that your TruRewards Loyalty Programme points will expire in 3 years. So, uncover the world of benefits for being a loyal cardholder!

Bank Islam FREE Comprehensive Takaful Protection
If you are an avid traveler, traveling should be fun and less stressful. This makes looking for travel insurance so vital.

Look no further as Bank Islam credit cards got you covered with comprehensive Takaful coverage.

Bank Islam World MasterCard Card-i and Bank Islam Infinite credit cards covers you, your supplementary cardholders and your family members against death or permanent disablement while traveling.

Benefits also include a maximum sum assured of RM2,000,000 for personal accident, third party liability of RM500,000 per occurrence and up to RM1,000 in compensation if you get caught with travel or luggage delays, among others.

On top of that, Bank Islam cardholders also gets FREE Takaful coverage on outstanding balance and funeral expenses benefit of RM1,000.

Moreover, under the Purchase Protection Takaful, your purchases will be insured from loss or damage up to RM10,000.

Bank Islam Annual Fee Waiver
The best thing about Bank Islam credit card is that the annual fee is waived, subjected to a minimum of 12 transactions per year.

The annual fee for Bank Islam Platinum Visa Credit Card-i, for instance, is RM388 which is substantial but you can waive the liability of paying the annual fee on a condition that you swipe 12 times using this Platinum Visa credit card in a year.

Bank Islam Flexible Payment Plan
Avoid harvesting interest rates on your outstanding amount which you are not able to pay in full.

Allocate a smaller monthly installment so that you can make room for other more pressing expenses.

If you or your supplementary cardholder spend RM3,000 in a single receipt, you can simply call the bank to request for Installment Payment Plan (IPP) of up to 36 months.

No upfront handling fee and interest charged on the outstanding amount, so you essentially pay less than RM100 per month throughout the tenure.

However, if the store is not part of Bank Islam’s participating merchants, you can request for Retail Spread Value Plan (RSVP), which is also an installment payment plan but with limited tenures of 6, 9 and 12 months with a one-time handling fee of 4.5% of the transaction amount.

Bank Islam 3x Airport Lounge Access
For frequent business travelers, your Bank Islam Visa Infinite Business Credit Card-i gives you complimentary access to Plaza Premium Airport Lounges for up to 3 times per year.

So, in the event your flight is delayed, just check yourself into the premier boarding room and enjoy some coffee or read the newspaper while waiting for your next flight.

Also, via the Bank Islam Visa Infinite Business Credit Card-i, your company can claim up to 20% Value Added Tax (VAT) charged on overseas spends such as hotels and more.

Under the VAT Refund Solution (a partnership between Bank Islam and Taxback International), your company can reduce foreign business travel costs while ensuring fiscal compliance.

What are the profit rates for Bank Islam credit card?
For purchases and balance transfer transactions, Bank Islam adopts a tiered interest rate in a range of 13.5% - 17.5% per annum.

The profit rate charged will commonly be higher should you have a history of inconsistent repayments and lower profit rate if you are prompt in repayments.

Also adopting the concept of Tawarruq, the contract period for this card is 3 years with no joining fee for this Islamic credit card.

What are the minimum monthly repayments for Bank Islam card?
Bank Islam cardmembers are required to make minimum monthly repayments of 5% of the current balance or a minimum of RM50, whichever is higher.

Monthly repayments will have to be made on the stipulated due date.

Failing to do so may result in late payment charge of a minimum of RM5 or 1% of total outstanding balance (excluding profit rates and fees), whichever is higher and up to a maximum of RM50.

How much does it cost to replace Bank Islam card?
If your Bank Islam card got lost, stolen or damaged, you can get a replacement credit card for RM50 per card within 7-14 working days from the date of issuance.

What is the financing limit of my Bank Islam credit card?
The financing limits for Bank Islam Credit Card-i as follows:

Income of RM24,000 - RM36,000 per year2 times monthly salary
Income of RM36,000 and above per year2.5 times monthly salary
Do note that the financing limit is subject to the discretion of the Bank based on the information and documents from each application.

How do I increase my Bank Islam credit card limit?
The financing limit can be increased by filling up The Increase/Decrease Limit and Card Upgrade/Downgrade Form.

This form can be downloaded from Bank Islam’s website.

Bring along a copy of your:

  • Latest 2 months’ pay slips
  • 6 months’ bank statements
  • Latest B Form
  • Tax Payment Receipt (Self-Employed)
  • Latest Letter from Employer (Recently changed jobs)
Am I eligible to apply for Bank Islam credit cards?
To apply for a Bank Islam card, the principal cardholder will have to be at least 21 years old, while the supplementary cardholder is to be at least 18 years old.

Minimum annual income differs from card to card.



What are the documents required to apply for Bank Islam credit card?
You can compare and apply for a credit card online here.

To speed up your Bank Islam credit card application, it’s best to prepare the documents required such as below:


DOCUMENTS FOR BANK ISLAM CREDIT CARD APPLICATION
Salaried EmployeeSelf-employed
Photocopy of MyKad / NRIC (both sides), ANDPhotocopy of MyKad / NRIC (both sides)
Latest EPF statement, or6-month bank statements
Latest 3-month salary slip, orLatest Form B with tax payment receipt
Latest EA formForm 9 / 24 /29
-Business Registration Certificate


How do I apply for a Bank Islam Credit Card?

Credit card application can be made online and through RinggitPlus.com, All you have to do is to compare all the Bank Islam credit cards and apply now.

Types of the best Bank Islam Credit Cards:
Bank Islam Infinite Visa Credit Card-i

Whether you are a world traveller or an avid shopper, empower yourself with this credit card which provides high financing limit as well as help desk support round the clock!

Bank Islam Platinum Visa Credit Card-i

Live the Platinum Lifestyle with a wealth of travel and shopping privileges, loyalty reward points and generous Takaful coverage.

Bank Islam Gold Visa Card-i

A Shariah concept credit card that only accepts charges from Halal merchants and offers complimentary Group Family Takaful coverage.

Bank Islam Visa Infinite Business Credit Card-i

Take your business worldwide with perks and benefits that will only make your business grow further.

Bank Islam World MasterCard Card-i

An exclusive premium credit card for the world traveller who crave unique experiences based on Shariah principles.

Bank Islam-Alumni UiTM Platinum MasterCard Card-i

Exclusive offer for UiTM Alumni with zero joining fee and free annual fee! A Shariah compliant credit card that only accepts transactions from Halal merchants.

Bank Islam Platinum MasterCard Card-i

Based on Shariah concepts, this is a platinum credit card free from usury. Only accepts transactions from Halal merchants.

Bank Islam Gold MasterCard Card-i

A credit card based on Shariah principles where it only accepts transactions from Halal merchants. Get great deals with MasterCard privileges with lower profit rates.

CLICK HERE TO APPLY FOR BANK ISLAM CREDIT CARD
 
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dloanman

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Best Bank Islam Credit Cards
Bank Islam Card-i was the first Shariah contract credit card to be offered to Muslim and Non-Muslim alike in Malaysia. Building on the strength of that foundation Bank Islam now offers a range of credit cards that cater to everyone's needs, with Classic, Gold and Platinum MasterCards that give you unlimited cashback on every single purchase. Compare them all and apply online.

CLICK HERE TO APPLY
Credit Card » Bank Islam
 

dloanman

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YEAHHHHHHHHHHH MARREEYYYYYYYYYYYYYYY!

Best Bank Islam Credit Cards

Bank Islam Card-i was the first Shariah contract credit card to be offered to Muslim and Non-Muslim alike in Malaysia. Building on the strength of that foundation Bank Islam now offers a range of credit cards that cater to everyone's needs, with Classic, Gold and Platinum MasterCards that give you unlimited cashback on every single purchase. Compare them all and apply online.

CLICK HERE TO APPLY
Credit Card » Bank Islam
 

dloanman

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YEAHHHHHHHHHHH MARREEYYYYYYYYYYYYYYY!

Best Bank Islam Credit Cards
Bank Islam Card-i was the first Shariah contract credit card to be offered to Muslim and Non-Muslim alike in Malaysia. Building on the strength of that foundation Bank Islam now offers a range of credit cards that cater to everyone's needs, with Classic, Gold and Platinum MasterCards that give you unlimited cashback on every single purchase. Compare them all and apply online.

CLICK HERE TO APPLY
Credit Card » Bank Islam
 

dloanman

CG Top Poster Club
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Apr 15, 2012
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YEAHHHHHHHHHHH MARREEYYYYYYYYYYYYYYY!

Best Bank Islam Credit Cards
Bank Islam Card-i was the first Shariah contract credit card to be offered to Muslim and Non-Muslim alike in Malaysia. Building on the strength of that foundation Bank Islam now offers a range of credit cards that cater to everyone's needs, with Classic, Gold and Platinum MasterCards that give you unlimited cashback on every single purchase. Compare them all and apply online.

CLICK HERE TO APPLY
Credit Card » Bank Islam
 

dloanman

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Joined
Apr 15, 2012
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YEAHHHHHHHHHHH MARREEYYYYYYYYYYYYYYY!

Best Bank Islam Credit Cards
Bank Islam Card-i was the first Shariah contract credit card to be offered to Muslim and Non-Muslim alike in Malaysia. Building on the strength of that foundation Bank Islam now offers a range of credit cards that cater to everyone's needs, with Classic, Gold and Platinum MasterCards that give you unlimited cashback on every single purchase. Compare them all and apply online.

CLICK HERE TO APPLY
Credit Card » Bank Islam
 

Mata_Pena

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ape beza kredit kad shariah bank islam
dengan kredit kad tak shariah conventional bank?
 

dloanman

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ape beza kredit kad shariah bank islam
dengan kredit kad tak shariah conventional bank?

Ketahui Bagaimana Kad Kredit Islamik Berfungsi

Anda ingin kemudahan kad kredit mematuhi shariah dan prinsipal perbankan Islam? Atau anda sedang mencari alternatif kepada kad kredit konvensional? Ketahui bagaimana kad kredit Islamik berfungsi, dan kad kredit Islamik terbaik di Malaysia melalui artikel ini.

Kad kredit Islamik, atau lebih dikenali sebagai Kad Kredit-i di Malaysia menawarkan pilihan untuk golongan Muslim untuk mendapatkan kemudahan penggunaan kad kredit sambil mengekalkan kepada shariah Islam. Ia juga merupakan pilihan alternatif kepada golongan bukan Muslim kerana kad kredit Islamik tidak terhad hanya kepada golongan Muslim. Bagi golongan bukan Muslim, kad kredit Islamik boleh memberikan mereka lebih banyak pilihan selain daripada kad kredit konvensional.

Kad kredit Islamik mempunyai fungsi yang sama seperti kad kredit konvensional, namun perbezaanya ialah pada ciri-ciri yang ditawarkan. Dibawah merupakan perbandingan ciri-ciri antara kad kredit konvensional dan kad kredit Islamik.


Perbezaan Kad Kredit Konvesional dan Kad Kredit Islamik
Ciri-ciriKad Kredit KonvesionalKad Kredit Islamik
FaedahYa
Faedah kompaunYa
Rebat Pembayaran AwalTiada
Penapisan TransaksiTiada
Perlindungan TakafulTiada, tetapi pemegang boleh dapatkan perlindungan insuran
Bayaran ZakatTiada

Ciri-ciri Kad Kredit Islamik

Mematuhi Shariah
Kad kredit Islamik perlu mematuhi shariah dan bebas daripada sebarang aktiviti yang melanggar undang-undang Islam. Perbezaan utama antara kad kredit Islamik dan kad kredit konvensional adalah larangan gharar dan riba. Gharar bermaksud berlebihan, manakala riba adalah mengenakan faedah. Selain itu, kad kredit Islamik tidak ada caj kompaun kerana caj berlebihan dilarang di bawah undang-undang shariah.

Kad kredit Islamik juga mempunyai sistem penapisan untuk memastikan bahawa kad kredit hanya akan digunakan untuk urus niaga halal. Ini bermaksud bahawa kad kredit Islamik tidak boleh digunakan untuk membeli alkohol, perjudian atau untuk aktiviti dan pembelian lain yang tidak dibenarkan Islam. Sekiranya kad digunakan untuk tujuan tersebut, pengeluar kad (iaitu pihak bank) tidak akan membenarkan dan transaksi tersebut akan ditolak.

Tiada Faedah
Sebarang jenis caj faedah atau riba dilarang sama sekali di bawah undang-undang shariah, maka perkhidmatan yang disediakan oleh kad kredit Islam tidak boleh melibatkan apa-apa caj tersebut. Oleh itu, apa yang dilakukan oleh perbankan Islam adalah menyediakan kad kredit Islamik dengan mengenakan bayaran untuk perkhidmatan mereka, yang dikenali sebagai ‘caj keuntungan’. Caj tersebut akan hanya dikenakan sekiranya ada jumlah tertunggak yang tidak dibayar dalam tempoh yang ditentukan. Caj keuntungan biasanya dikira setiap hari pada 13.5% hingga 18% setahun. Caj tersebut akan dikenakan jika pemegang kad tidak lakukan bayaran sebelum tempoh yang ditetapkan bank.

personal-loan-islamic.jpg


Caj keuntungan didasarkan pada sistem bertingkat, bermaksud jika anda ingin menikmati kadar yang lebih rendah untuk baki tertunggak anda, anda perlu memastikan anda menyelaraskan pembayaran anda tepat pada masanya. Ini kerana pembayaran lewat untuk baki tertunggak akan menyebabkan bank meningkatkan kadar keuntungan yang perlu anda bayar. Kebiasaanya pembayaran balik bulanan minimum yang perlu dilakukan ialah sebanyak 5% daripada bil kad kredit (atau sekurang-kurangnya RM50 – bergantung kepada bank) pada tarikh matang setiap bulan.

Kegagalan untuk membuat pembayaran balik bulanan minimum akan menyebabkan caj kadar keuntungan ke atas baki tertunggak naik ke peringkat yang lebih tinggi. Selain itu, pemegang kad juga akan dikenakan denda lewat lewat 1% (atau sekurang-kurangnya RM10 – bergantung kepada bank) .

Sebagai contoh, kad kredit Islam ini dari Maybank mengenakan kadar keuntungan bergantung kepada jadual peringkat seperti di bawah:

Caj Kadar Keuntungan Bertingkat
Caj Setiap BulanCaj TahunanSyarat Kadar Caj
1.25%15%Untuk pemegang kad kredit yang lakukan bayaran segera 12 kali dalam setahun
1.42%17%Untuk pemegang kad kredit yang lakukan bayaran segera 10 kali dalam setahun
1.50%18%Untuk pemegang kad kredit yang lakukan bayaran segera kurang dari 10 kali dalam setahun

Kelebihan
Kad kredit biasanya menawarkan faedah dan keistimewaan, dan ia merupakan perkara yang sama untuk kad kredit Islamik. Kad kredit Islamik biasanya menawarkan perlindungan takaful, dan ada juga yang menawarkan perbelanjaan untuk khairiat kematian. Ini bererti bank Islam yang menawarkan perbelanjaan khairiat kematian akan membayar premium untuk menampung sebahagian atau keseluruhan baki tertunggak pemegang kad kredit Islamik yang telah meninggal dunia. Selain itu, umat Islam juga akan menikmati kemudahan untuk membayar zakat mereka dengan kad kredit Islamik.

Lihat juga: Kad Kredit Islamik Terbaik di Malaysia

Konsep Shariah Yang Digunakan Untuk Kad Kredit Islamik

Tawarruq
Konsep Tawarruq adalah berdasarkan asas di mana pembeli membeli komoditi dari penjual atas dasar pembayaran tertunda. Pembeli kemudian menjual komoditi yang sama kepada pihak ketiga di mana bayaran dibuat serta merta. Apa yang dimaksud ialah pembeli meminjam wang tunai yang diperlukan daripada bank untuk membuat pembelian awal. Konsep ini menawarkan cara untuk mengambil pinjaman sambil memastikan pinjaman tersebut mematuhi prinsip shariah. Ini kerana sesuatu aset harus terlibat dalam semua jenis transaksi.

Konsep yang sama juga digunakan untuk kad kredit Islamik di mana seorang pelanggan akan membeli komoditi dari bank pada dasar keuntungan. Jadi konsep Tawarruq adalah pemindahan pemilikan sesuatu aset dari penjual kepada pembeli. Oleh itu kad kredit di bawah konsep Tawarruq bermakna bank memberikan bantuan kepada pelanggan untuk membuat pembelian. Sebagai balasan pelanggan akan membayar bank untuk bantuan yang disediakan melalui cara caj keuntungan.

Contoh kad kredit Islam yang menggunakan konsep ini di Malaysia ialah Kad Kredit Platinum Visa Platinum – i dan Kad Kredit Klasik – i.

MY_BLOG_IslamicCC.jpg


Ujrah
Ujrah ialah perkataan dari bahasa Arab yang jika diterjemahkan membawa maksud bayaran. Namun, biasanya ia digunakan secara khusus untuk bayaran yang dikenakan sebagai pertukaran untuk perkhidmatan. Konsep shariah Ujrah yang digunakan oleh perbankan Islam merujuk kepada pembayaran yuran perkhidmatan sebagai pertukaran untuk perkhidmatan yang diberikan kepada pelanggan. Kebanyakan kad kredit Islamik di Malaysia berdasarkan konsep ini.

Pemegang kad kredit Islamik akan dikenakan bayaran untuk perkhidmatan, faedah dan keistimewaan yang disediakan oleh bank Islam dan bukan dikenakan faedah seperti perbankan konvensional. Pendahuluan tunai juga boleh didapati di bawah konsep Ujrah, dimana terdapat beberapa bank Islam yang menawarkannya bersama dengan perkhidmatan kad kredit Islamik. Kad kredit Islamik yang menggunakan konsep ini ialah Maybank Ikhwan dan CIMB Islamic MasterCard.

Umat Islam kini boleh yakin bahawa mereka mempunyai pilihan yang mematuhi shariah untuk kemudahan penggunaan kad kredit. Anda mahu mempunyai kemudahan kad kredit yang mematuhi shariah?
Bandingkan kad kredit Islamik terbaik secara percuma di sini

SUMBER - https://www.comparehero.my/credit-card/articles/cara-kad-kredit-islamik-berfungsi
 
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dloanman

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Best Bank Islam Credit Cards
Bank Islam Card-i was the first Shariah contract credit card to be offered to Muslim and Non-Muslim alike in Malaysia. Building on the strength of that foundation Bank Islam now offers a range of credit cards that cater to everyone's needs, with Classic, Gold and Platinum MasterCards that give you unlimited cashback on every single purchase. Compare them all and apply online.

CLICK HERE TO APPLY
Credit Card » Bank Islam
 

dloanman

CG Top Poster Club
Joined
Apr 15, 2012
Messages
24,171
Reaction score
1,867
Points
206
YEAHHHHHHHHHHH MARREEYYYYYYYYYYYYYYY!

Best Bank Islam Credit Cards
Bank Islam Card-i was the first Shariah contract credit card to be offered to Muslim and Non-Muslim alike in Malaysia. Building on the strength of that foundation Bank Islam now offers a range of credit cards that cater to everyone's needs, with Classic, Gold and Platinum MasterCards that give you unlimited cashback on every single purchase. Compare them all and apply online.

CLICK HERE TO APPLY
Credit Card » Bank Islam
 
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