Islamic Personal Financing in Malaysia

Fully in-app Islamic personal financing from AEON Bank: RM1,000 to RM100,000 over 3 to 84 months, open to Malaysians aged 18-55 with gross income from RM2,500/month - gig workers and commission earners explicitly welcome - with funds disbursed to your AEON Bank account within minutes of approval.

Personal financing from Agrobank aimed at agriculture and agro-based needs: promotional tiers from SBR + 2.23% p.a. (up to 3 years) and SBR + 2.25% (to 10 years) for qualifying customers, standard tiers to SBR + 4.67%, ceiling rate SBR + 7.75% or 10% p.a. (whichever higher), maximum tenure 10 years.

Digital-first Islamic personal financing from Alliance Islamic Bank: up to RM200,000, advertised rates from 4.99% p.a., online application with initial approval in 10 minutes and disbursement within 24 hours.

Tawarruq-based personal financing from RM5,000 to RM200,000 with fixed rates from 3.45% p.a. (promotional, until 31 Dec 2026, effective 6.21% to 6.51%) for RM80,000+ with Takaful, 3.80% p.a. promotional for RM10,000+, and 4.25% p.a. standard (effective 7.51% to 7.96%). No guarantor or collateral, up to 99.5% payout, and an optional 3-month payment deferment.

Bank Islam's Islamic credit card family: Visa Infinite (min income RM36,000 p.a.), Visa Platinum with up to 5% cash back on online, auto-billing, grocery and dining (RM36,000), Mastercard Platinum with up to 2x TruPoints on contactless and petrol (RM36,000), Mastercard Inspire with lifetime annual fee waiver and 2x Plaza Premium Lounge visits (RM36,000), Visa Gold with up to 3% cash back (RM24,000), Mastercard Gold with unlimited 1 TruPoint per RM1 (RM24,000), and a Visa Infinite Business card with up to 8% cash back. Product Disclosure Sheet effective 1 August 2026, revised profit rate notices, 0% instalment plan programme and Takaful coverage documents are all published on the page (crawled bankislam.com 2026-08-06).

Bank Islam's personal financing family with fully printed floating-rate grids referenced to the Standardised Base Rate (SBR 2.75% effective 10 July 2025). Package (employer-tied) financing runs RM10,000 to RM400,000 over up to 10 years, from SBR + 2.25% = 5.00% (1 to 2 years, government package with Takaful) to SBR + 6.30% = 9.05% without Takaful. Non-package financing runs RM10,000 to RM300,000 over up to 10 years with rates from SBR + 6.25% = 9.00% (salary transfer with Takaful) up to SBR + 18.25% = 21.00% (standing instruction, salary below RM5,000, no Takaful). Selling price is fixed and known; no guarantor, deposit or processing fee; benefits include cross-sell discounts for house financing customers (crawled bankislam.com 2026-08-06).

Bank Muamalat's Cash-i personal financing family (Cash-i Muamalat, Cash-i SMART, Cash-i Muamalat Pro, Debt Management, Motorcycle and Premier variants) with optional Takaful coverage; the profit rate is determined by the bank on approval based on your credit profile.

Tawarruq personal financing for public-sector, GLC and GLC-subsidiary employees: up to RM400,000 over up to 10 years, no guarantor, with published fixed rates from 3.42% p.a. (with takaful, salary deduction, up to 1 year) and floating rates from SBR + 2.42%.

CIMB Islamic's personal financing exclusively for government employees (including GLCs and statutory bodies): RM200,000 maximum over up to 10 years, with printed fixed rates from as low as 3.50% p.a. and repayment via monthly salary deduction through Biro Perkhidmatan Angkasa (BPA). Eligibility: Malaysian citizens aged 21 to 59, permanent and contract staff (minimum 3-month contract), minimum gross income RM1,400 per month; financing matures by age 60. Disbursement to CIMB or other-bank accounts via IBG; an Ibra' calculator, PDS, declaration form and BPA Form 1/79 are published on the page (crawled cimb.com.my 2026-08-06).

CIMB Islamic's accessible points card: 1 Bonus Point per RM1 spent, redemption against flights, hotel stays and catalogue rewards or pay-with-points, 0% Easy Pay instalments up to 36 months at participating merchants, and 5x Bonus Points on Zakat and charity payments (1 March 2026 to 28 February 2027 campaign, extra 4x fulfilled quarterly). Minimum annual income RM24,000; principal and supplementary annual fees waived. Effective 1 January 2026 the Shariah concept converted from Ujrah to Tawarruq (crawled cimb.com.my 2026-08-06).

CIMB Islamic's premium fuel-and-travel credit card: up to 12% cash rebate on PETRONAS transactions (including Setel and EV charging at PETRONAS stations), up to 6% on groceries, dining and cashless parking, unlimited 1% on overseas spend (statement balance RM1,500+), capped at up to RM1,440 rebate annually. Travel benefits include 4x Plaza Premium Lounge visits per year, 12x Sky Lounge access at Subang with RM2,000 monthly spend, up to RM300,000 travel Takaful when tickets are paid on the card, and 0% Easy Pay at Proton/Perodua service centres. Minimum income RM120,000 p.a. (RM60,000 for CIMB@Work); principal and supplementary annual fees waived. Effective 1 January 2026 the card's Shariah concept converted from Ujrah to Tawarruq (notice printed on page) (crawled cimb.com.my 2026-08-06).

Hong Leong Islamic Bank's open-market personal financing: RM5,000 to RM150,000 for Malaysian citizens aged 21 to 60 employed with minimum annual income of RM24,000, with published Tawarruq Terms and Conditions, an optional single-contribution Takaful covering death and total permanent disability for up to five years, and a cashback programme documented in its own terms. The page carries prominent scam-prevention warnings (no upfront fees, no third-party processors) and an application status tracker. PDS for both the financing and the HLM Takaful GCT are published (crawled hlbislamic.com.my 2026-08-06).

Premium-segment personal financing from HSBC Amanah: flat rates from 3.88% p.a. (7.09% effective over 7 years), amounts to RM250,000 (RM1,000,000 for Premier customers), tenure 2-7 years, no processing or early-settlement fees - but a RM8,500 monthly salary floor.

Maybank Islamic's Ikhwan family of Islamic credit cards: Ikhwan Visa Infinite Card-i (described on its page as an ujrah-based credit card with 2 TreatsPoints per RM1 locally and 5 per RM1 overseas, 10,000 activation points, Enrich/KrisFlyer/Qmiles conversion, complimentary green fees at premium golf clubs and 5 annual Priority Pass lounge visits), plus Ikhwan American Express Platinum and Gold, Petronas Ikhwan Visa Platinum and Gold, Mastercard Ikhwan Platinum/Gold and World Mastercard Ikhwan Card-i listed on the all-cards page (crawled maybank2u.com.my 2026-08-06).

Maybank Islamic's unsecured personal financing with fixed monthly instalments: RM5,000 to RM100,000 over 1 to 6 years, with printed fixed profit rates tiered by amount: 11% p.a. for RM5,000 to RM20,000, 10% p.a. for RM20,001 to RM50,000, and 9% p.a. for RM50,001 to RM100,000. No guarantor, no collateral, no document stamping, no processing fee and no early settlement fee; late payment charge is 1% p.a. on the amount in arrears. Applicants earn TreatsPoints for every ringgit approved. Eligibility: Malaysian citizens aged 21 to 60 with minimum income RM30,000 per year (crawled maybank2u.com.my 2026-08-06).

Floating-rate personal financing from MBSB Bank at SBR + 4.25% p.a. (currently 7.00% effective, roughly 3.72% flat equivalent over 3 years), with a full payment table published for RM50,000 to RM400,000 over 2 to 10 years. Ceiling rate 15% p.a.

Public Islamic Bank's flagship Islamic credit card, described on the bank's card listing as 'based on Shariah principle of Commodity Murabahah via Tawarruq arrangement which refers to an arrangement that consists of two sale and purchase contracts'. The Islamic card shelf also includes the Platinum MasterCard Credit Card-i (a line of credit by way of Commodity Murabahah via Tawarruq), the Visa Gold Credit Card-i (1% cash back on online transactions) and the Gold MasterCard Credit Card-i, which automatically donates 0.1% of total dining transactions to Yayasan Waqaf every month (crawled publicislamicbank.com.my 2026-08-06).

Public Islamic Bank's salary-deduction personal financing for government employees: RM5,000 to RM350,000, repaid by direct salary deduction through Biro Angkasa, no guarantor required. Eligibility: Malaysian citizens aged 20 to 58; federal and state government permanent staff need 1 year of service and RM1,500 minimum gross monthly salary (including fixed allowances), non-federal/non-state government staff need 2 years and RM3,000. Takaful coverage is encouraged rather than mandatory. PDS (English and BM) and the application form are published on the page; financing rates sit on the bank's rates page (SBR 2.75%, BR 3.27%, BFR 6.47% as at 11 July 2025) (crawled publicislamicbank.com.my 2026-08-06).

RHB Islamic's cashback credit card with a printed tier table: monthly retail spend of RM2,500+ earns 5% cash back on petrol, dining, utilities and groceries and 10% on online dining/groceries (0.2% on other spend), with lower tiers at 2%, 1% and 0.2%, each category capped at RM10 per month. Smart Services include Smart Pay auto bill payment, Smart Move balance transfer from other cards, Smart Instalment at 0% profit up to 36 months, and CashXcess cash withdrawal up to 36 months. First year annual fee free, then RM70 (waived with RM10,000 annual spend); supplementary cards free. Minimum age 21, minimum income RM24,000 per annum (crawled rhbgroup.com 2026-08-06).

RHB Islamic's civil servant personal financing: up to RM300,000 over up to 10 years with a variable profit rate printed 'as low as 5.25% p.a. (equivalent to Flat Rate 2.77% p.a.)', no guarantor required, payout ratio up to 98%, and repayment by auto debit. Eligibility: federal and state government and selected GLC employees, Malaysian citizens aged 18 to 58 at end of tenure, minimum income RM2,000 including fixed allowances. Payment tables for board and promo rates, with and without Takaful, are published on the page along with the PDS (crawled rhbgroup.com 2026-08-06).

RHB Islamic's open-market personal financing for private sector employees: up to RM150,000 over up to 7 years at a variable profit rate printed 'as low as 14.00% p.a. (equivalent to Flat Rate 7.62%)', with repayment via salary transfer and auto debit, and debt consolidation as a stated use case. Eligibility: minimum age 21, private sector employees, minimum income RM3,000 per month. PDS, payment tables (board and promo, with and without Takaful) and credit-related Takaful disclosures are published on the page (crawled rhbgroup.com 2026-08-06).