| Subject |
Charges |
Rate / Amount |
| Annual Fees |
• Principal – Classic Card |
RM60.00 |
| • Principal – Gold Card |
RM130.00 |
| • Principal - Platinum Card |
RM388.00 |
| • Supplementary – Classic Card |
RM30.00 |
| • Supplementary – Gold Card |
RM60.00 |
| • Supplementary – Platinum Card |
RM150.00 |
| Profit Charges |
TIER 1 |
13.5% per annum from the 13th month with prompt settlement of the minimum payment due for 12 consecutive months |
| TIER 2 |
16% per annum from the 13th month with promptly settlement of the minimum repayment amount due for 10 months or more in a 12-month cycle |
| TIER 3 |
17.5% per annum (Does not fall within the above categories) |
| 20-Day Profit Charge Free Period |
Automatic 20-day finance charge free period for retail purchases, if the previous month's minimum payment amount is paid by the due date |
| Late Payment Compensation Handling Fees (Ta'widh) |
|
1% on the outstanding balance or a minimum of RM5.00, whichever is higher, and capped to a maximum of RM50.00 |
| Cash Withdrawal |
At Bank Islam ATM |
2.5% of the cash withdrawn or RM12.00 (whichever is higher) |
|
At MEPS ATM
(other banks) |
3% of the cash withdrawn or RM50.00 whichever is higher |
| Original Statement Request |
|
RM5.00 for every request, whether principal or supplementary |
| Sales Draft Retrieval Fees |
|
RM5.00 for Photocopied Sales Draft |
| RM20.00 for Original Sales Draft |
Card Replacement Fees
(Lost/ Stolen/ Reinstatement of Closed Card Account) |
|
Flat rate of RM50.00 for all card types |
| Internal Transfer Fee (Bank Islam Card to Bank Islam Savings Account/ Current Account) |
|
2.5% of the transferred amount or RM12.00 (whichever is higher) |
| Minimum Monthly Payment |
|
5% of the total outstanding balance as at Statement of Account processing date or RM50.00, whichever is higher |
| Overseas Transaction |
|
Card transactions which are affected in currencies other than Ringgit Malaysia will be converted into US Dollars as determined by MasterCard Worldwide / Visa Worldwide on the date transactions are received and / or processed by the Bank. The value of US Dollars is then converted to Ringgit Malaysia. The exchange rates may vary according to market fluctuations and the amount converted will be subjected to exchange rate of the processing time. |