Credit cards · Islamic

Islamic credit cards: how the fees work and which cards pay most

46 Islamic cards are in our data. They are built on different contracts from a conventional card, but Bank Negara Malaysia caps what they can charge in much the same way. Here is how, and what each card costs and pays.

Rates last checked 7 Oct 2026 against each bank's own page.

Top picks, and why each one wins

Each pick wins a stated rule on the numbers in the table. None is paid for.

CIMB Bank
CIMB PETRONAS Visa Infinite-i Credit Card
Highest cashback rate stated
CIMB PETRONAS Visa Infinite-i Credit Card
Shariah-compliant, with cashback stated up to 12%. No annual fee; RM10,000 a month income.
Fee: no annual fee
See it on the bank's page (opens the bank's site)
AmBank
AmBank Islamic Visa Platinum CARz Card
Lowest income bar with cashback
AmBank Islamic Visa Platinum CARz Card
Shariah-compliant with cashback up to 5% from RM2,000 a month income. No annual fee.
Fee: no annual fee
See it on the bank's page (opens the bank's site)

All 46 Islamic cards

Ordered by the highest cashback rate stated, then by the lower annual fee.

All 46 Islamic cards
Card	Rewards	Annual fee	Income needed	Bank's page
CIMB PETRONAS Visa Infinite-i Credit Card CIMB Bank CashbackTravelIslamicNo annual feePetrol	Rewards Cashback up to 12% Petrol up to 12% at Petronas Airport lounge access	Annual feeNone	Income neededRM10,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
RHB Shell Visa Credit Card-i RHB Bank CashbackIslamicPetrol	Rewards Cashback up to 12% Petrol up to 12% at Shell	Annual feeRM195First year free; then waived with at least 24 swipes a year	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
RHB Islamic Cash Back Credit Card-i RHB Bank CashbackIslamicPetrol	Rewards Cashback up to 10% Petrol up to 5% at the pump	Annual feeRM70First year free; then waived with RM10,000 spend a year	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Bank Islam Visa Infinite Business Credit Card-i AmBank CashbackIslamicNo annual feeBusiness card	Rewards Cashback up to 8%	Annual feeNone	Income neededNot stated	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
CIMB PETRONAS Visa Platinum-i Credit Card CIMB Bank CashbackIslamicNo annual feePetrol	Rewards Cashback up to 8% Petrol up to 8% at Petronas	Annual feeNone	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Maybank Islamic Ikhwan American Express Platinum Card-i Maybank CashbackIslamicNo annual fee	Rewards Cashback up to 8%	Annual feeNone	Income neededRM3,333 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Maybank Islamic myimpact Ikhwan Mastercard Platinum Credit Card-i Maybank CashbackIslamicNo annual fee	Rewards Cashback up to 8%	Annual feeNone	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Maybank Islamic Petronas Ikhwan Visa Gold Card-i Maybank CashbackIslamicNo annual feePetrol	Rewards Cashback up to 8% Petrol up to 8% at Petronas	Annual feeNone	Income neededRM2,500 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Maybank Islamic Petronas Ikhwan Visa Platinum Card-i Maybank CashbackIslamicNo annual feePetrol	Rewards Cashback up to 8% Petrol up to 8% at Petronas	Annual feeNone	Income neededRM5,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
HSBC Amanah MPower Platinum Credit Card-i HSBC Malaysia CashbackIslamic	Rewards Cashback up to 8%	Annual feeRM240First year free; then waived with RM6,000 retail spend a year	Income neededRM8,500 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Bank Islam Visa Infinite Credit Card-i AmBank CashbackIslamic	Rewards Cashback up to 8%	Annual feeRM777Waived with at least 12 transactions a year	Income neededRM8,333 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
RHB World MasterCard Credit Card-i RHB Bank CashbackTravelIslamicNo annual fee	Rewards Cashback up to 6% Airport lounge access Travel insurance	Annual feeNone	Income neededRM6,666 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
AmBank Islamic Visa Platinum CARz Card AmBank CashbackIslamicNo annual feePetrol	Rewards Cashback up to 5% Petrol up to 5% at the pump	Annual feeNone	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Bank Rakyat Muslimah Credit Card-i Bank Rakyat CashbackIslamicNo annual fee	Rewards Cashback up to 5%	Annual feeNone	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Bank Rakyat Platinum Explorer Credit Card-i Bank Rakyat CashbackIslamicNo annual fee	Rewards Cashback up to 5%	Annual feeNone	Income neededRM5,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Maybank Islamic Ikhwan Mastercard Gold Card-i Maybank CashbackIslamicNo annual fee	Rewards Cashback up to 5%	Annual feeNone	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Maybank Islamic Ikhwan MasterCard Platinum Card-i Maybank CashbackIslamicNo annual fee	Rewards Cashback up to 5%	Annual feeNone	Income neededRM3,333 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Bank Islam Visa Platinum Credit Card-i AmBank CashbackIslamic	Rewards Cashback up to 5%	Annual feeRM388Waived with at least 12 transactions a year	Income neededRM3,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Bank Islam Visa Gold Credit Card-i AmBank CashbackIslamic	Rewards Cashback up to 3%	Annual feeRM130Waived with at least 12 transactions a year	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Public Islamic Bank Platinum MasterCard Credit Card-i Public Bank CashbackIslamic	Rewards Cashback up to 2%	Annual feeRM333First year free; then waived with at least 12 swipes in the previous 12 months	Income neededRM3,333 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Public Islamic Bank Visa Platinum Credit Card-i Public Bank CashbackIslamic	Rewards Cashback up to 2%	Annual feeRM333First year free; then waived with at least 12 swipes in the previous 12 months	Income neededRM3,333 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
HSBC Amanah Premier World Mastercard Credit Card-i HSBC Malaysia CashbackIslamicNo annual fee	Rewards Cashback up to 1%	Annual feeNone	Income neededNot stated	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Public Islamic Bank Gold MasterCard Credit Card-i Public Bank CashbackIslamic	Rewards Cashback up to 1%	Annual feeRM150First year free; then waived with at least 12 swipes in the previous 12 months	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Public Islamic Bank Visa Gold Credit Card-i Public Bank CashbackIslamic	Rewards Cashback up to 1%	Annual feeRM150First year free; then waived with at least 12 swipes in the previous 12 months	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
AFFIN Visa Business Platinum-i Affin Bank CashbackIslamicBusiness card	Rewards Cashback up to 1%	Annual feeRM300First 2 years free; then waived with at least 12 retail swipes a year	Income neededRM10,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
AFFIN Mastercard Basic-i Affin Bank IslamicNo annual fee	Rewards No cashback or miles stated	Annual feeNone	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
AmBank Islamic Visa Infinite Card AmBank IslamicNo annual fee	Rewards No cashback or miles stated	Annual feeNone	Income neededRM10,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
AmBank Islamic Visa Platinum Card AmBank IslamicNo annual fee	Rewards No cashback or miles stated	Annual feeNone	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
AmBank Islamic Visa Signature Card AmBank IslamicNo annual fee	Rewards No cashback or miles stated	Annual feeNone	Income neededRM6,666 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Bank Rakyat Gold Credit Card-i Bank Rakyat IslamicNo annual fee	Rewards No cashback or miles stated	Annual feeNone	Income neededRM3,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
BSN Al-Aiman Classic Credit Card BSN (Bank Simpanan Nasional) IslamicNo annual fee	Rewards No cashback or miles stated	Annual feeNone	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
BSN Al-Aiman Gold Credit Card BSN (Bank Simpanan Nasional) IslamicNo annual fee	Rewards No cashback or miles stated	Annual feeNone	Income neededRM3,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
BSN Al-Aiman Platinum Credit Card BSN (Bank Simpanan Nasional) IslamicNo annual fee	Rewards No cashback or miles stated	Annual feeNone	Income neededRM4,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
BSN G-Card Al-Aiman Visa Credit Card BSN (Bank Simpanan Nasional) IslamicNo annual fee	Rewards No cashback or miles stated	Annual feeNone	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
BSN-Teachers Al-Aiman Gold Credit Card BSN (Bank Simpanan Nasional) IslamicNo annual fee	Rewards No cashback or miles stated	Annual feeNone	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
BSN-UUM Al-Aiman Mastercard Credit Card BSN (Bank Simpanan Nasional) IslamicNo annual fee	Rewards No cashback or miles stated	Annual feeNone	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
CIMB Platinum-i Credit Card CIMB Bank IslamicNo annual fee	Rewards No cashback or miles stated	Annual feeNone	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Bank Islam Mastercard Gold Credit Card-i AmBank Islamic	Rewards No cashback or miles stated	Annual feeRM130Waived with at least 12 transactions a year	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
AFFIN Mastercard Gold-i Affin Bank Islamic	Rewards No cashback or miles stated	Annual feeRM150First year free; then waived with at least 12 retail swipes a year	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
RHB Islamic Rewards Visa Credit Card-i RHB Bank Islamic	Rewards No cashback or miles stated	Annual feeRM200First year free; then waived with RM10,000 spend a year	Income neededRM2,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Bank Islam Mastercard Platinum Credit Card-i AmBank Islamic	Rewards No cashback or miles stated	Annual feeRM388Waived with at least 12 transactions a year	Income neededRM3,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Bank Rakyat Platinum Credit Card-i Bank Rakyat Islamic	Rewards No cashback or miles stated	Annual feeRM388From the second year: waived with at least one card use a year	Income neededRM5,000 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
AFFIN World Mastercard-i Affin Bank Islamic	Rewards No cashback or miles stated	Annual feeRM500First year free; then waived with RM48,000 spend or 12 swipes a year	Income neededRM6,666 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Bank Islam Mastercard World Credit Card-i AmBank Islamic	Rewards No cashback or miles stated	Annual feeRM777Waived with at least 12 transactions a year	Income neededRM8,333 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Maybank Islamic Ikhwan Visa Infinite Card-i Maybank TravelIslamic	Rewards Airport lounge access Travel insurance	Annual feeRM800First year free; then waived with RM80,000 spend a year (Maybank's Islamic PDS says RM120,000)	Income neededRM8,333 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026
Maybank Islamic World Elite Mastercard Ikhwan Maybank TravelIslamic	Rewards Airport lounge access	Annual feeRM800First year free; then waived with RM120,000 spend a year	Income neededRM15,833 a month	Bank's pageBank's page (opens the bank's site)Checked 7 Oct 2026

Every row is checked against the bank's own product page, 7 Oct 2026. Rates can change without notice; confirm with the bank before you apply.

How we decide a card is Islamic

We count a card when any of these is true: the bank or product is flagged Shariah-compliant in our data, the name is an Islamic one (for example ending in "-i", or Ikhwan, Amanah or Al-Aiman), or the bank's own listing says Shariah-compliant. That gives 46 cards, 25 of which state a cashback rate. We have not audited any card's Shariah status ourselves. That is the bank's Shariah committee's job, so confirm it on the bank's page.

How the fees differ from a conventional card

An Islamic card issuer provides services, benefits and privileges in exchange for a fee, called ujrah (paragraph 10.1). The ujrah must be a fixed amount set by the type of card, such as platinum or gold, not by your credit limit (paragraph 10.3(b)).

On balances you carry, an Islamic card charges a profit or fee rate instead of interest. Bank Negara caps it at the same numbers as a conventional finance charge: up to 1.25% a month (15% a year) in the best tier, 1.42% (17%) in the middle and 1.5% (18%) otherwise, and 1.5% a month for cash withdrawals (paragraph 19.1).

The late payment charge is also capped at the lower of 1% of the outstanding balance or RM100, and any minimum charge cannot exceed RM10. If the charge is more than the bank's actual cost, the excess has to go into a gharamah account (paragraph 20.4).

So is an Islamic card cheaper?

Not by rule: the caps match. What differs is the structure and what each bank charges below the cap. Compare the annual fee, the waiver and the cashback in the table, as you would for any card.

Questions people ask

+What is ujrah on an Islamic credit card?

Ujrah is the fee the bank charges for the services, benefits and privileges it provides with the card. Bank Negara requires it to be a fixed amount that depends on the type of card, not on your credit limit (paragraphs 10.1 and 10.3(b) of the Credit Card and Credit Card-i policy document).

+Do Islamic cards charge interest?

No. They charge a profit or fee rate on retail and cash withdrawal balances. Bank Negara caps that rate at the same levels as a conventional card's finance charge: 15%, 17% or 18% a year depending on your payment record (paragraph 19.1).

+Are there Islamic cards with no annual fee?

Yes. 26 of the 46 Islamic cards in our data have no annual fee at all. Others waive it on conditions, which the table shows.

Where the figures come from

Bank Negara Malaysia, Policy Document: Credit Card and Credit Card-i (BNM/RH/PD 028-141) · issued 19 December 2025, retrieved 11 Oct 2026. Paragraph numbers below refer to it

This is general information to help you compare, not financial advice. theringgit is not paid by any bank on this page, and the order of every table is set by the numbers shown.