Bank Islam Visa Infinite Credit Card-i

Lifestyle Cashback with Infinite Privileges

The Bank Islam Visa Infinite Credit Card-i is positioned as a lifestyle-focused Infinite-tier card, targeting cardholders with a minimum annual income of RM100,000. Its core proposition centres on tiered cashback across Online transactions, Auto Billings, Grocery, and Dining — everyday categories that form a large portion of monthly household spending.

Under Cash Back Type 1, cardholders earn 5% cashback when total monthly retail spend reaches RM1,000, increasing to 8% cashback once spending exceeds RM2,000. However, this cashback pool is subject to a relatively tight monthly cap of RM30, which limits the upside even at higher spending levels.

For overseas spending, Cash Back Type 2 provides 1% cashback on card-present foreign currency transactions, unlocked only after reaching RM8,000 in monthly overseas spend, with a cap of RM100 per month. While the rate is modest, it may still appeal to high-spend users who prefer cashback over miles accumulation.

Complementing the cashback structure is 3x complimentary Plaza Premium Lounge access worldwide, usable by both principal and supplementary cardholders — a notable advantage for families or shared travel use. In addition, the card includes comprehensive Takaful coverage, offering up to RM2 million in travel accident protection alongside Group Family Takaful benefits.

Verdict: The Bank Islam Visa Infinite works best for users who consistently spend on online, grocery, dining, and auto-billed expenses, and who value cashback simplicity over miles optimisation. While the cashback cap limits its effectiveness as a high-reward card, the inclusion of global lounge access for supplementary cards and strong Takaful protection makes it a balanced Infinite-tier lifestyle option.