Bank Muamalat Malaysia Berhad

Others

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)	Basic Standard Platinum	RM8.00 RM8.00 RM12.00
2	Annual Fee (Year 2 thereafter)	Basic Standard Platinum	RM8.00 RM12.00 RM12.00
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)	Basic Standard	RM12.00 RM12.00
6	MEPS Cash Withdrawal Fee	Other banks Local incorporated foreign banks Mastercard	RM1.00 per transaction RM4.00 per transaction RM10.00 per transaction
7	Sales draft copy requested by customer		RM10.00
8	Name print (i.e. embossed name) on Platinum card		RM2.00

Credit Card-i

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

* Visa Platinum-i 1st Year Annual Fees is WAIVED. For subsequent Years, the annual fee waiver is subject to a minimum of 12 transactions per annum.
* Yuran Tahunan Pertama Visa Platinum-i DIKECUALIKAN. Untuk tahun seterusnya, ianya dikecualikan tertakluk kepada minimum 12 transaksi setahun.

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 outstanding balance (comprising retail transactions and cash withdrawals only), capped at RM100. No compounding on Ta`widh. / 1% daripada baki tunggakan (merangkumi perbelanjaan runcit dan pengeluaran tunai sahaja), dihadkan kepada RM100. Tiada kompaun dikenakan ke atas Ta`widh.	1%, subject to a maximum of RM100. / 1%, 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.

Electronic Banking Services

	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: Balance inquiry Cash Deposit	Service charge	Waived
4	Cheque Deposit Machine: Deposit of cheque	Service charge	Waived

Corporate Internet Banking

	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 Partnership/ SME Corporate	2.00 per transaction 4.00 per transaction
	c. Foreign Outward Transfer (FOT) (per transaction)	Service Charge Cable Charge	5.00 30.00
	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.

Retail Internet Banking

	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

Muamalat Safe Deposit Box

	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	Actual cost incurred OR Minimum 500.00

Pembiayaan Pajak Gadai Islam (Muamalat Ar-Rahnu)

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

Custody Fees

	Transaction	Types of Charges	Amount (RM)
1	Transfer of sukuk in and out	Service charges	5.00
2	Account maintenance	Service charges	50.00

Banking Services related to Government, Government Agencies and Government Clients

Services (Collection)

	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

Services (Payment)

	TransactionServices (Payment)	Service Charge on Government (RM)	Service Charge on Government Agency (RM)	Service Charge on Government Client (RM)
1	Cash Cheque Encashment Cheque issuance charges	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

	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

Cash Transactions Over The Counter

Savings Account

	Transaction	Actual charges (RM)
1	Transaction History/ Ad-hoc statement through counter	1.00 per page

Current Account

	Transaction	Actual charges (RM)
1	Transaction History/ Ad-hoc statement through counter	1.00 per page

Other Services

	Transaction	Actual charges (RM)
1	Tabung Haji	6.00 per transaction

Others

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