For comparison purposes only. Final terms are determined by the issuing bank.
Review
A Minimalist Entry-Level Points Card
The Bank Islam Mastercard Gold Credit Card-i is the entry-level points-based counterpart to the Visa Gold cashback version, sharing the same RM24,000 annual income requirement and an easily waived annual fee with just 12 transactions per year.
In terms of rewards, the structure is as simple as it gets: cardholders earn 1 TruPoint for every RM1 spent, with no caps and no bonus categories. While this unlimited earning sounds flexible, the lack of acceleration means the rewards accumulate slowly, especially when compared to cashback-focused alternatives at the same income level.
From a usability standpoint, the Mastercard version does offer a practical advantage: support for Google Pay and Samsung Pay, making it more compatible with contactless and mobile payments than its Visa counterpart. Like other Bank Islam cards, it also includes Free Group Family Takaful Coverage, reinforcing its Shariah-compliant positioning.
Verdict: The Bank Islam Mastercard Gold Credit Card-i is best viewed as a no-frills, low-maintenance starter card. However, for most users at this income level, the Visa Gold cashback version provides clearer and more tangible value. Unless digital wallet support is a key requirement, the rewards proposition here is simply too flat to stand out.
Pros
- Unlimited 1x TruPoints on all retail spending
- Low income requirement suitable for first-time cardholders
- Easy annual fee waiver with 12 transactions per year
- Supports Google Pay and Samsung Pay
- Includes free Shariah-compliant Takaful coverage
Cons
- No bonus categories or accelerated points earning
- Points accumulation is slow for an entry-level rewards card
- Overall rewards value is weaker than cashback alternatives at the same tier
- Less compelling than the Visa Gold version unless digital wallet support is a priority
Rewards Points
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. A lower CPM indicates better value.
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.
Card benefits
Group Family Takaful Coverage
Free Group Family Takaful coverage for cardholders.