Maybank Islamic Ikhwan Credit Cards-i (Visa Infinite / Amex Platinum and Gold / Petronas Visa)
Islamic Personal Financing in Kuala Lumpur
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).
The Ikhwan range is the broadest Islamic card lineup in Malaysia, spanning Amex to Petronas co-brands, and the ujrah disclosure on the Visa Infinite page is exactly what we want to see. But the public pages under-serve on numbers: no fee tables, no ujrah schedule, and some plainly stale benefit copy. Compare against CIMB's Petronas Visa Infinite-i (up to 12% fuel rebate, income and fee terms printed) before committing; Maybank wins on network prestige, CIMB on printed value.
Pros
- Only Malaysian Islamic card family with an American Express option
- Shariah basis (ujrah) stated in the product copy
- Strong miles conversion breadth for a Shariah-compliant card
Cons
- No fee or rate table in crawlable text; PDS download required
- Visible page content includes stale offers (golf benefit dated 2014), so benefits need confirming
- Premium tiers carry high income gates typical of Infinite/Platinum cards
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Product Details
Structure
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Maybank Islamic in Kuala Lumpur
Maybank Islamic's Ikhwan Credit Cards-i (Visa Infinite / Amex Platinum and Gold / Petronas Visa) is available to Kuala Lumpur residents, using a other structure. The total selling price is fixed in the contract, and early settlement earns an ibra' (rebate) on unearned profit under BNM's rules. Maybank Islamic operates across Malaysia, so Kuala Lumpur residents have full access to this product.
Our Take on Maybank Islamic
Maybank Islamic is the distribution king of Malaysian Islamic banking: every product category, the country's biggest network, and genuinely senior Shariah governance with all five scholars profiled publicly. Its weakness is rate transparency, with deposit returns poorly surfaced online and a crawlable legacy rates page still showing 2015 tables. Choose it for reach, contract clarity and governance pedigree; verify current pricing at the branch or in the PDS because the website will often not tell you.
How Maybank Islamic Works
Open the account or apply
Branch opening for most deposit accounts (RM250 adult minimum on Savings Account-i; RM1 for minor/student variants); financing applications via branch or Maybank2u.
Know your contract
Each product page names its Shariah contract (Qard, Commodity Murabahah, AITAB, Tawarruq); the PDS carries the full mechanics and pricing.
Bank on the network
Service via any Maybank branch, the country's largest ATM fleet, Kawanku Phone Banking and Maybank2u online/mobile.
Financing Structure
Maybank Islamic uses classical contract mapping across its shelf: Qard (interest-free loan to the bank) for transactional deposits, Commodity Murabahah/Tawarruq for term deposits and home and personal financing, AITAB (Ijarah then sale) for vehicle financing and Ujrah-family structures on cards. Each retail page names its contract, and PIDM protection applies to Islamic deposits separately from any conventional accounts a customer holds in the wider group.
In-Depth Analysis
Maybank Islamic is the Islamic banking arm of Malayan Banking Berhad and, by distribution, the largest Islamic banking franchise in Malaysia. Its retail proposition rests on ubiquity: the same Savings Account-i or home financing can be serviced at any Maybank branch, through Malaysia's largest ATM fleet, or on Maybank2u, the country's dominant digital banking platform.
Shariah governance is a genuine strength. The five committee members are published with full profiles: Assoc. Prof. Dr. Aznan Hasan has chaired since May 2014 and simultaneously serves as President of ASAS and Deputy Chairman of the Securities Commission's Shariah Advisory Council; the committee also includes Dr. Oni Sahroni of Indonesia's DSN-MUI and Ustaz Mohd Kamal Mokhtar, a judge of Singapore's Shariah Appeal Court, giving the body cross-border weight (crawled maybank2u.com.my 2026-08-06).
Contract disclosure at product level is consistently good: the Savings Account-i page teaches Qard mechanics, the home financing page names Commodity Murabahah, vehicle financing names AITAB, and personal financing names Tawarruq. What is missing is pricing: deposit profit rates are largely absent from crawlable pages, and the bank's legacy Islamic rates page is dated 2015. The practical consequence is that a customer can verify what the contract is but usually not what it pays without visiting a branch.
Against the cluster, Maybank Islamic wins on network and governance seniority, draws on contract clarity, and loses on printed rates to CIMB (dated board rates), RHB (full rate schedules), Public Islamic (same-week rate sheets) and Bank Islam (printed financing EPRs).
Shariah Compliance Details
- Five-member Shariah Committee with full public profiles, chaired by Assoc. Prof. Dr. Aznan Hasan since 1 May 2014 (maybank2u.com.my Shariah Committee page, crawled 2026-08-06)
- Operates under BNM's Shariah Governance policy and IFSA 2013, with BNM's Shariah Advisory Council as apex authority
- Contracts named at product level across deposits, financing and cards (crawled 2026-08-06)
- PIDM membership stated on deposit product pages; Islamic deposits protected up to RM250,000 separately from conventional deposits (crawled 2026-08-06)
How Maybank Islamic Compares
Against Bank Islam, Maybank Islamic offers a bigger network and Amex cards but cannot match Bank Islam's printed 3.55% home financing EPR or its pure-play balance sheet. Against CIMB Islamic, Maybank's governance profiles are deeper but CIMB publishes current rates and documented card structure migrations where Maybank's rate pages are stale. Against RHB Islamic and Public Islamic, the trade is the same: Maybank for distribution and governance pedigree, the others for printed numbers.
Pure-play Islamic bank with the cluster's best printed financing rates (3.55% home EPR, 2.10% to 3.92% vehicle grid), but a smaller branch network.
Comparable big-group distribution with far better rate publication (June 2026 FD-i board rates) and stronger card rewards (12% PETRONAS rebate).
Smaller shelf but same-week deposit rate sheets and the best unconditional savings rate (ForU2Save 2.10%).
Bottom Line
Malaysia's biggest Islamic banking franchise with governance to match: five publicly profiled scholars and contracts named on every page. Bank here for reach and rigour, but never accept a rate quoted from memory: the website's numbers are often years old, so demand the PDS.
Read full Maybank Islamic reviewShariah Compliance & Oversight
Maybank Islamic's Shariah Committee is published with full scholar profiles on the bank's site: Assoc. Prof. Dr. Aznan Hasan (Chairman since 1 May 2014; President of ASAS, Deputy Chairman of the Securities Commission Shariah Advisory Council, board member of the UAE Higher Shari'ah Authority and AAOIFI committee member), Assoc. Prof. Dr. Mohamed Fairooz Abdul Khir (member since 1 May 2013; Securities Commission SAC member), Ustaz Mohd Kamal Mokhtar (member since 1 September 2015; Judge, Shariah Appeal Court of Singapore), Dr. Oni Sahroni (member since 9 July 2018; DSN-MUI Daily Management Board, Indonesia) and Dr. Syahnaz Sulaiman (member since 9 July 2018; Senior Lecturer, USIM) (maybank2u.com.my/Islamic/en/about-us/corporate-profile/shariah-committee.page, crawled 2026-08-06).
2026-08-06
Why It's Halal
The Visa Infinite page names the Shariah basis in its own words: 'this ujrah based credit card', meaning the card operates on a fee-for-service contract rather than interest on revolving debt, under Maybank Islamic's named five-scholar Shariah Committee, with Ikhwan Card-i Terms and Product Disclosure Sheet linked. Honest caveats: fee schedules, profit/ujrah rates and income requirements are not printed in the crawlable page text, and parts of the page carry dated promotional content (a golf offer marked valid to December 2014), so current benefits should be confirmed before applying (crawled maybank2u.com.my 2026-08-06).
Regional Availability
Maybank Islamic serves all of Malaysia
✓ Available nationwide including Kuala Lumpur
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NationwideFrequently Asked Questions
What is Maybank Islamic Ikhwan Credit Cards-i (Visa Infinite / Amex Platinum and Gold / Petronas Visa)?
Why is Maybank Islamic Ikhwan Credit Cards-i (Visa Infinite / Amex Platinum and Gold / Petronas Visa) considered halal?
Is Maybank Islamic Ikhwan Credit Cards-i (Visa Infinite / Amex Platinum and Gold / Petronas Visa) available in Kuala Lumpur?
What Shariah oversight does Maybank Islamic have?
What financing structure does Maybank Islamic Ikhwan Credit Cards-i (Visa Infinite / Amex Platinum and Gold / Petronas Visa) use?
How do I apply for Maybank Islamic Ikhwan Credit Cards-i (Visa Infinite / Amex Platinum and Gold / Petronas Visa) in Kuala Lumpur?
Why is Kuala Lumpur central to Malaysian Islamic finance?
Who administers zakat in Kuala Lumpur?
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Important: HalalWallet provides educational information and comparisons to help you explore halal financial options. We do not provide financial, legal, or religious advice. Product structures and Shariah compliance oversight vary by provider. Always verify halal compliance directly with providers and consult with qualified Islamic finance advisors or scholars for guidance on specific products and your individual circumstances.