For comparison purposes only. Final terms are determined by the issuing bank.
Review
A Practical Entry-Level Cashback Card
The Bank Islam Visa Gold Credit Card-i is positioned as the most accessible card in Bank Islam’s Visa cashback lineup, with a low RM24,000 annual income requirement. It targets users who want a simple, predictable cashback structure on everyday spending categories without complex conditions.
The card offers tiered cashback on Online, Auto Billings, Grocery, and Dining spend, with a shared monthly cap of RM30. Cardholders earn 1% cashback when monthly spend in these categories reaches RM500, and this increases to 3% cashback once monthly spend hits RM1,000 or more. This structure makes it particularly effective for users who can consistently meet the RM1,000 threshold each month.
Outside the main categories, the card provides 0.1% unlimited cashback on local retail spending once monthly spend exceeds RM500. While modest, this acts as a small baseline rebate rather than a core feature.
In terms of benefits, the card includes Free Group Family Takaful Coverage, reinforcing its Shariah-compliant positioning. The annual fee is easily waived with just 12 transactions per year, keeping long-term holding costs low for active users.
Verdict: The Bank Islam Visa Gold Credit Card-i is a strong entry-level cashback option for users focused on everyday spending like groceries, dining, online purchases, and recurring bills. Its main limitation lies not in its cashback structure, but in the lack of digital wallet support, which slightly reduces convenience for fully cashless users.
Pros
- 3% cashback on online, auto-billing, grocery, and dining spend with achievable RM1,000 threshold
- Broad coverage including both online and offline everyday categories
- Low income requirement suitable for entry-level cardholders
- Easy annual fee waiver with 12 transactions per year
- Includes free Shariah-compliant Takaful coverage
Cons
- Shared cashback cap of RM30 limits upside for higher spenders
- Tiered structure requires consistent monthly spending to unlock higher cashback rate
- 0.1% base cashback outside main categories is minimal
- Does not support digital wallets, reducing convenience for cashless payments
Cashback
| Category | RM500+Total monthly spend | RM1,000+Total monthly spend | Cap |
|---|---|---|---|
Online Transactions | 1% | 3% | Shared RM30Online Transactions + Auto Billings + Grocery + Dining |
Auto Billings | 1% | 3% | |
Grocery | 1% | 3% | |
Dining | 1% | 3% | |
Local Retail | 0.1% | 0.1% | 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.
Cashback Calculator
Cashback estimates are for reference only. Actual rewards may vary by merchant category, exclusions, and bank terms. Please refer to the official terms for final confirmation.
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Cashback Summary
Card benefits
Group Family Takaful Coverage
Free Group Family Takaful coverage for cardholders.