For comparison purposes only. Final terms are determined by the issuing bank.
Review
A Straightforward Points Card for Daily Spending
The Bank Islam Mastercard Platinum Credit Card-i is the points-based counterpart to the Visa Platinum cashback card, targeting users with a minimum annual income of RM36,000. Instead of cashback, it focuses on TruPoints accumulation, particularly for contactless and petrol transactions.
Cardholders earn 2x TruPoints on contactless and petrol spending, as well as 1.5x TruPoints on overseas card-present transactions, both subject to a minimum monthly spend of RM2,000 and a monthly cap of 5,000 TruPoints. All other retail spending earns 1x TruPoint per RM1 with no cap.
In practical terms, TruPoints can be converted into airline miles (primarily Malaysia Airlines Enrich), but the effective cost per mile remains relatively high at this tier. As a result, the card is better viewed as a general-purpose points card rather than a dedicated miles-earning tool.
Beyond rewards, the card includes Free Takaful Coverage with travel accident protection of up to RM1,000,000 and group family coverage. Digital wallet support for Google Pay and Samsung Pay makes it convenient for contactless usage, which aligns well with its reward structure.
Verdict: The Bank Islam Mastercard Platinum Credit Card-i is a simple, Shariah-compliant entry-level points card suited for users who prefer contactless and petrol spending and want basic rewards without focusing on premium travel perks or lounge access.
Pros
- 2x TruPoints on contactless and petrol spending
- Supports Google Pay and Samsung Pay for everyday use
- Free Takaful coverage included
- Annual fee easily waived with 12 transactions per year
Cons
- Monthly TruPoints cap limits rewards potential despite higher spend
- Minimum monthly spend required to unlock bonus multipliers
- TruPoints redemption value for air miles is relatively weak
- Points structure offers limited upside for heavy or overseas spenders
Rewards Points
| Category | Multiplier | Cap |
|---|---|---|
All Retail Spending | 1xTruPoint | Uncapped |
| Category | Multiplier | Cap |
|---|---|---|
Contactless Transactions | 2xTruPoint | Shared 5,000 pointsContactless Transactions + Petrol |
Petrol | 2xTruPoint | |
Overseas Spending (Card-Present) | 1.5xTruPoint | 5,000 points |
Other Retail Spending | 1xTruPoint | Uncapped |
Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Points Conversion
Best CPM is calculated based on the highest earn rate available for each points program. A lower CPM indicates better value. Click on a row to see CPM at different earn rates.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Air Miles Calculator
Estimates use monthly category totals. Actual rewards may differ due to transaction-level rounding, merchant coding, exclusions, caps, and bank terms.
Monthly Spend
Enter eligible spend by category to estimate your miles.
Only programs supported by every points currency earned on this card are shown.
Air Miles Summary
Card benefits
Travel Accident Personal Coverage
Free Takaful coverage up to RM1,000,000 for travel accident personal coverage.
Group Family Takaful Coverage
Free Group Family Takaful coverage for cardholders.