The bank charges, fees and commissions for services provided by Bank Muamalat Malaysia Berhad
| Transaction | Type of Charges | Fee (RM) | |
|---|---|---|---|
| 1 | Issuance Fee (for new cardholder) |
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| 2 | Annual Fee (Year 2 thereafter) |
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| 3 | Card Replacement Fee | Service Charge | RM12.00 |
| 4 | Overseas Transaction Conversion fee | Service Charge | The transaction in foreign currency shall be converted at the foreign exchange rate and spread, if any, as determined by MasterCard, plus 1% administration fee charged by the Bank. |
| 5 | Conversion Fee (from Debit Card-i to Debit Card Platinum-i) |
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| 6 | MEPS Cash Withdrawal Fee |
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| 7 | Sales draft copy requested by customer | RM10.00 | |
| 8 | Name print (i.e. embossed name) on Platinum card | RM2.00 |
ANNUAL FEES / YURAN TAHUNAN
| Card Type / Jenis Kad | Principal Card / Kad Utama | Supplementary Card / Kad Tambahan |
|---|---|---|
| Visa Platinum-i* | RM138.00 | RM68.00 |
| Visa Infinite-i | Waived / Dikecualikan | Waived / Dikecualikan |
BALANCE TRANSFER
| Balance Transfer Plan & Tenure | Profit Rate (one time upfront charge on approved amount) | Minimum Transfer | Maximum Transfer |
|---|---|---|---|
6 Months | 0% | RM3,000 | Up to 70% of the available credit limit |
12 Months | 2.5% | RM5,000 | Up to 70% of the available credit limit |
RETAIL TRANSACTION PROFIT RATE / KADAR KEUNTUNGAN URUSNIAGA RUNCIT
| Tier / Tahap | Payment Condition / Syarat-Syarat Pembayaran | Annual Profit Charge / Caj Keuntungan Tahunan |
|---|---|---|
| Tier 1 / Tahap 1 | Cardholders who promptly settle their monthly minimum payment due before or on the Due Date for 12 consecutive months. / Pemegang-pemegang Kad yang menjelaskan bayaran minimum bulanan yang perlu dibayar sebelum atau pada Tarikh Akhir bayaran selama 12 bulan berturut-turut. | 15%
per annum / setahun |
| Tier 2 / Tahap 2 | Cardholders who promptly settle their monthly minimum payment due before or on the Due Date for 10 consecutive months. / Pemegang-pemegang Kad yang menjelaskan bayaran minimum bulanan yang perlu dibayar sebelum atau pada Tarikh Akhir bayaran selama 10 bulan berturut-turut. | 17%
per annum / setahun |
| Tier 3 / Tahap 3 | Cardholders who DO NOT FALL within any of the categories as stated above. / Pemegang-pemegang Kad yang TIDAK TERMASUK di dalam mana-mana kategori yang dihuraikan di atas. | 18%
per annum / setahun |
Others
| Cash Withdrawal Fee / Fee Pengeluaran Tunai | Service Fee – 2.0% on withdrawn amount OR RM30, whichever is higher
Actual Profit Charge – Profit rate for cash withdrawal transactions shall be capped at a maximum of 1.5% per month, which is equivalent to 18% per annum.
/ Fi Perkhidmatan – 2.0% daripada jumlah pengeluaran tunai ATAU RM30, yang mana lebih tinggi Caj Keuntungan Sebenar – Kadar Keuntungan untuk transaksi pengeluaran tunai akan dihadkan pada maksimum 1.5% sebulan, bersamaan dengan 18% setahun. | 18%
per annum / setahun |
| Cash Withdrawal Service Fee / Yuran Perkhidmatan Pengeluaran Tunai | Fees on Cash Withdrawal, whichever is higher. / Yuran pengeluaran tunai, yang mana lebih tinggi. | 2.0% or RM30 per withdrawal / 2.0% atau RM30 setiap pengeluaran |
| Late Payment Compensation (Ta’widh) / Caj Ganti Rugi Pembayaran Lewat (Ta`widh) | 1% of the total outstanding balance or a minimum of RM10, whichever is higher, capped at RM100. No compounding on Ta`widh./ 1% daripada jumlah baki tunggakan atau minimum RM10, mana-mana yang lebih tinggi, dihadkan kepada RM100. Tiada kompaun dikenakan ke atas Ta`widh. | Minimum of RM10, whichever is higher, subject to a maximum of RM100. / Minimum RM10, yang mana lebih tinggi, tertakluk kepada maksimum RM100. |
| Overlimit Charge / Caj Terlebih Had | Tidak Berkenaan / Not Applicable | - |
| Conversion for Overseas Transaction / Penukaran Transaksi Luar Negara | Exchange rate will be based on the determination by Visa at the conversion time. The exchange rate may differ from the rate in the effect on the date of transaction due to market fluctuations. 1% service fee is charged on the converted amount./ Kadar pertukaran akan berdasarkan penentuan Visa semasa waktu penukaran. Kadar pertukaran mungkin berbeza dari kadar yang berlaku pada tarikh urusniaga disebabkan oleh turun naik pasaran. Bayaran perkhidmatan 1% dikenakan daripada jumlah yang ditukar. | 1.0 % of the overseas transaction amount / 1.0 % daripada jumlah transaksi luar negara. |
| Lost Card Replacement Fee / Yuran Penggantian Kad Hilang | Fees for every Lost Card Replacement / Yuran untuk Penggantian Setiap Kad yang Hilang | RM50 per Card / RM50 untuk Setiap Kad |
| Sales Draft Retrievel Fee / Yuran Permintaan untuk Draf Jualan | Fees for every Sales Draft Retrieval Request / Yuran Permintaan untuk Setiap Draf Jualan. | RM15 per copy per transaction / RM15 untuk setiap salinan per transaksi. |
| Physical Statement Request Fee / Yuran Permintaan Penyata Fizikal | Fees for monthly physical statement request / Yuran untuk permintaan penyata fizikal bulanan. | RM5 per copy / RM5 untuk setiap salinan |
| Liability for Unauthorised Transactions / Liability untuk Urusniaga yang tidak dibenarkan | You will be liable for unauthorised transactions which require PIN or Signature verification or unauthorised transactions using a contactless card, if you have: (i) acted fraudulently; or (ii) delayed in notifying the Bank as soon as reasonably practiable but not later than 3 days after having discovered the loss or unauthorised use of the Card; or (iii) voluntarily disclosing your PIN to another person; or (iv) recorded the PIN on the Card, or on anything kept in close proximaty with your Card. / Anda akan bertanggungjawab untuk transaksi yang tidak dibenarkan yang memerlukan pengesahan PIN atau Tandatangan, atau transaksi tidak dibenarkan menggunakan kad tanpa sentuhan, sekiranya anda: (i) melakukan penipuan; atau (ii) lewat dalam memberitahu pihak Bank dengan seberapa segera yang munasabah tetapi tidak melebihi Tiga (3) hari setelah mendapati bahawa anda telah kehilangan atau transaksi yang tidak diberikuasa telah dilaksanakan; atau (iii) secara sukarela mendedahkan PIN anda kepada orang lain; atau (iv) merekod/mencatat PIN pada Kad, atau pada apa-apa yang disimpan berdekatan dengan Kad anda. | |
| Service Tax / Cukai Perkhidmatan | RM25 for each Principal and Supplementary Card. Charged on Card activation date and on every subsequent anniversary of the issuance date. / RM25 untuk setiap Kad Utama dan Tambahan. Dikenakan pada tarikh Kad diaktifkan dan pada tarikh ulang tahun pengeluaran Kad pada tahun berikutnya. |
| Transaction | Types of Charges | Amount (RM) | |
|---|---|---|---|
| 1 | Automated Teller Machine (ATM) | ||
| a. Cash withdrawal at any BMMB ATM | MEPS Service Charge | Waived | |
| b. Cash withdrawal at other domestic bank’s ATM via Bankcard platform | MEPS Service Charge | 1.00 per successful withdrawal | |
| c. Cash withdrawal at other domestic bank’s ATM via Bankcard platform for local incorporate Foreign Bank | MEPS Service Charge | 4.00 per successful withdrawal | |
| 2 | Non-cash ATM transaction: | ||
| a. Fund transfer to any BMMB account. | Service charge | Waived | |
| b. Cheque Book Request. | Stamp Duty | 7.50 per booklet | |
| c. IBFT Transfer – Local Bank | Service charge | 0.30 per transaction | |
| d. IBFT Transfer – Local Incorporate Foreign Bank | Service charge | 4.00 per transaction | |
| 3 | Cash Deposit Machine:
| Service charge | Waived |
| 4 | Cheque Deposit Machine:
| Service charge | Waived |
| Transaction | Types of Charges | Amount (RM) | |
|---|---|---|---|
| 1 | Monthly Charges | ||
| a. Inquiry Transaction only | Service Charge | 40.00 per month | |
| b. Full Mode – Inquiry and monetary Transactions service charge | Service Charge | 20.00 per month | |
| 2 | Payment | ||
| a. Interbank – GIRO | Service Charge | 0.10 per transaction | |
| b. Interbank – RENTAS | Service Charge
| ||
| c. Foreign Outward Transfer (FOT)
(per transaction) | |||
| d. Online Stopped Cheque | Service Charges (per leaf) | 10.00 | |
| e. Payment SMS Recipient notification | Service Charge (per transaction) | 0.20 | |
| 3 | Authorization | a. Token | 160.00 |
| b. Renewal of Token (every 2 years) | 100.00 |
Note : Any waiver or Partial Waiver must get approved from respective product owner / management.
| Transaction | Types of Charges | Amount (RM) | |
|---|---|---|---|
| 1 | IBG Transfer | Service charges | 0.10 |
| 2 | Tabung Haji | Service charges | 0.50 |
| 3 | IBFT Transfer | Service charges | 0.00 |
| 4 | Online Stopped Cheque | Service charges | 10.00 |
| 5 | Foreign Telegraphic Transfer (FTT) (per transaction) | ||
| Service charges | 3.00 | ||
| Cable Charge | 30.00 | ||
| 6 | SMS Recipient Notification | Service charges (per transaction) | 0.20 |
| Transaction | Types of Charges | Amount (RM) | |
|---|---|---|---|
| 1 | Key Deposit | Deposit | 150.00 |
| 2 | Stamp Duty on agreement(per MSDB) | As per Stamp Act | 20.00 |
| 3 | Annual Retail Fee based on Box Sizes (per annum) | ||
| 3”x10”x19” | 100.00 | ||
| 5” x 5” x 19” | 100.00 | ||
| 5” x 10” x 19” | 140.00 | ||
| 10” x 10” 19” | 170.00 | ||
| 4 | Loss of Keys | Service charges |
| No | Transaction | Types of Charges | Amount (RM) |
|---|---|---|---|
| 1 | Reissuance of new Kontrak Pembiayaan Pajak Gadai Islam (Muamalat Ar-Rahnu) | Service Charges | 5 |
| 2 | Gold Jewellery Cleaning for BMMB Ar-Rahnu customers | Service Charges | Free |
| Transaction | Types of Charges | Amount (RM) | |
|---|---|---|---|
| 1 | Transfer of sukuk in and out | Service charges | 5.00 |
| 2 | Account maintenance | Service charges | 50.00 |
| Services (Collection) | Service Charge on Government
(RM) | Service Charge on Government Agency
(RM) | Service Charge on Government Client
(RM) | |
|---|---|---|---|---|
| 1 | Counter e – Payment (Debit card) | 0.8% per transaction | 0.8% per transaction | 0.8% per transaction |
| 2 | Counter e – Payment (e-Debit) | 0.50 per transaction | 0.50 per transaction | 0.50 per transaction |
| 3 | Counter e – Payment (MEPs Cash) | 1.00 per transaction | 1.00 per transaction | 1.00 per transaction |
| 4 | Bank Counter – Cash Payment | NIL | NIL | 5.00 per transaction |
| 5 | Bank Counter – Cheque Payment | NIL | NIL | 0.50 per cheque |
| 6 | Managed under Virtual Banking Section direct debit (to biller) | NIL | NIL | 0.50 per transaction |
| TransactionServices (Payment) | Service Charge on Government
(RM) | Service Charge on Government Agency (RM) | Service Charge on Government Client
(RM) | |
|---|---|---|---|---|
| 1 | Cash Cheque
| NIL | 2.00 per piece 0.50 per piece | NIL |
| 2 | Interbank | NIL | 1.00 per transaction | NIL |
| 3 | Interbranch | NIL | 0.50 per transaction | NIL |
| 4 | Salary Crediting | NIL | NIL | NIL |
| 5 | Rentas | NIL | 5.00 per transaction | NIL |
| Other Services | Service Charge on Government
(RM) | Service Charge on Government Agency (RM) | Service Charge on Government Client
(RM) | |
|---|---|---|---|---|
| 1 | Bank Statement | NIL | 10.00 per agency | NIL |
| 2 | Fund Transfer | NIL | 5.00 per transaction | NIL |
| 3 | Issuance of Bankers Cheque/ Cashiers Order | NIL | 5.00 per transaction | NIL |
| 4 | Cheque Image Request | NIL | 0.10 per cheque | NIL |
| 5 | Cheque issuance charges | 0.50 | 0.50 | 0.50 |
| Transaction | Actual charges (RM) | |
|---|---|---|
| 1 | Transaction History/ Ad-hoc statement through counter | 1.00 per page |
| Transaction | Actual charges (RM) | |
|---|---|---|
| 1 | Transaction History/ Ad-hoc statement through counter | 1.00 per page |
| Transaction | Actual charges (RM) | |
|---|---|---|
| 1 | Tabung Haji | 6.00 per transaction |
Notice on Revision of Terms & Conditions for Debit Card-i and Cardholder Agreement for Credit Card-i