Best Islamic Credit Cards in Malaysia — October 2026
By money.com.my EditorialAnnual fee (not cashback or points rates) checked against the banks' own pages for 44 of 44 cards, last on 7 October 2026Top 43 from 184 products reviewed
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Islamic credit cards are built on one of two Shariah structures covered by Bank Negara Malaysia's Shariah Advisory Council — ujrah-based or tawarruq-based — and do not charge interest (riba). All major Malaysian banks and their Islamic banking arms offer them. Functionally they work identically to conventional cards for payments and rewards. We compared available Shariah-compliant cards on fee structure, rewards earning rate, and minimum income requirements.
How Islamic credit cards work and how to choose one →New to Shariah-compliant cards? Our guide explains the ujrah service-fee model, ta'widh vs penalty interest, the Shariah Supervisory Board, and how to read the cashback caps.Quick comparison
| # | Product | Key Rate | Annual Fee | Min Income | Best For | |
|---|---|---|---|---|---|---|
| 1 | 8% cashback | Free | RM 2,000/mo | Everyday Muslim commuters who refuel at Petronas and want strong Islamic petrol cashback without a high income requirement | Details | |
| 2 |  RHB Bank RHB Shell Visa Credit Card-i | 12% cashback | RM 195 | RM 2,000/mo | Muslim drivers who want halal petrol cashback at Shell stations under a Shariah-compliant card structure | Details |
| 3 | 8% cashback | Free | RM 2,000/mo | Muslim cardholders who want an ESG-linked Islamic card with one of the highest cashback rates available from Maybank | Details | |
| 4 | 5% cashback | Free | RM 2,000/mo | Muslim cardholders seeking a halal cashback card with a low income requirement | Details | |
| 5 |  Bank Islam Bank Islam Visa Infinite Credit Card-i | 8% cashback | RM 777 | RM 8,333/mo | Muslim high earners (RM8,333+/month) who want Bank Islam's top Visa Infinite with up to 8% cashback on eligible categories | Details |
| 6 | 8% cashback | Free | RM 2,500/mo | Muslim commuters who refuel regularly at Petronas stations and want halal petrol cashback | Details | |
| 7 | — | RM 777 | RM 8,333/mo | Muslim high earners (RM8,333+/month) who want Bank Islam's premium World Mastercard for lifestyle privileges | Details | |
| 8 | — | Free | RM 10,000/mo | Muslim high earners (RM10,000+/month) who want AmBank's top Shariah-compliant Visa Infinite | Details | |
| 9 | BA Bank Rakyat Bank Rakyat Platinum Explorer Credit Card-i | 5% cashback | Free | RM 5,000/mo | Muslim earners (RM5,000+/month) who want a Shariah-compliant Platinum card with up to 5% cashback and travel perks | Details |
| 10 |  Affin Bank AFFIN World Mastercard-i | — | RM 500 | RM 6,666/mo | Muslim earners (RM6,666+/month) who want AFFIN's Islamic World Mastercard without riba | Details |
| 11 | 8% cashback | Free | RM 3,333/mo | Muslim professionals who primarily spend at Amex-accepting merchants and want Shariah-compliant cashback | Details | |
| 12 | 8% cashback | Free | RM 5,000/mo | Higher-income Muslim drivers who fill up exclusively at Petronas and want a Shariah-compliant Platinum card | Details | |
| 13 | — | Free | RM 6,666/mo | Muslim earners (RM6,666+/month) who want AmBank's Islamic Visa Signature for rewards earning | Details | |
| 14 | 12% cashback | Free | RM 10,000/mo | High-income Muslim drivers who fill up regularly at Petronas and want the highest Shariah-compliant petrol cashback available from CIMB | Details | |
| 15 | Bank Islam Bank Islam Visa Platinum Credit Card-i | 5% cashback | RM 388 | RM 3,000/mo | Muslim earners (RM3,000+/month) who want Bank Islam's mid-tier Visa Platinum with 5% cashback | Details |
Annual fee: checked against the bank's own product page for all 43 products, on 7 Oct 2026. Fee waivers, minimum income, and cashback and points rates were not all confirmed, so check them on the bank's page. Rates and terms can change without notice; confirm with the bank before you apply.
Our top 10 picks
How we ranked these: Shariah contract certification, annual fee / service charge, cashback or reward rate — from 184 products reviewed.
See all 43 cards in the full comparison table above, or browse the complete catalogue →Not ranked until our data is corrected
The bank's own page gives a different earn rate for these cards from the one in our data. Ranking them could misstate what you get, so they are listed here instead. Check the rate on the bank's page.
- RHB World MasterCard Credit Card-i (RHB Bank): the bank's page differs on the cashback categories
Frequently asked questions
How is an Islamic credit card different from a conventional card?+
Islamic credit cards do not charge interest (riba). Bank Negara Malaysia's Shariah Advisory Council covers two structures: an ujrah-based card pairs a qard (the credit) with an ujrah (a fee for the card's services, benefits and privileges), and a tawarruq-based card gives you a credit limit through a tawarruq sale. The payment experience is identical — swipe, tap, or pay online — but the underlying contract differs.
Are Islamic credit cards cheaper than conventional ones?+
Not necessarily. The service fee or profit rate can be comparable to or higher than conventional interest rates. The difference is structural (Shariah compliance), not always financial. Compare total cost carefully.
Can non-Muslims apply for an Islamic credit card in Malaysia?+
Yes. Islamic financial products in Malaysia are open to all residents regardless of religion.
Which Malaysian banks offer Islamic credit cards?+
All major banks have Islamic banking arms: Maybank Islamic, CIMB Islamic, Bank Islam, RHB Islamic, Public Islamic Bank, Bank Rakyat, and Hong Leong Islamic, among others.
Annual fee: checked against the bank's own product page for all 44 products, on 7 Oct 2026. Fee waivers, minimum income, and cashback and points rates were not all confirmed, so check them on the bank's page. Rates and terms can change without notice; confirm with the bank before you apply.