Bank Muamalat Malaysia Berhad » Others

Others

The bank charges, fees and commissions for services provided by Bank Muamalat Malaysia Berhad

TransactionType of ChargesFee
(RM)
1Issuance Fee
(for new cardholder)
  • Basic
  • Standard
  • Platinum
  • RM8.00
  • RM8.00
  • RM12.00
2Annual Fee
(Year 2 thereafter)
  • Basic
  • Standard
  • Platinum
  • RM8.00
  • RM12.00
  • RM12.00
3Card Replacement FeeService ChargeRM12.00
4 Overseas Transaction Conversion feeService Charge Based on exchange rate determined by the MasterCard at the conversion time.

ANNUAL FEES / YURAN TAHUNAN

Card Type / Jenis KadPrincipal Card / Kad UtamaSupplementary Card / Kad Tambahan
Visa Platinum-i*RM138.00RM68.00
Visa Infinite-iWaived / DikecualikanWaived / 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 & TenureProfit Rate
(one time upfront charge on approved amount)
Minimum TransferMaximum Transfer

6 Months

0%

RM3,000Up to 70% of the available credit limit

12 Months

2.5%

RM5,000Up 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 Charge /
Caj Pengeluaran Tunai
Calculated on a daily rest basis from the transaction (withdrawal) date until the date when full payment is received. /
Dikira atas dasar baki harian dari tarikh transaksi (pengeluaran) sehingga tarikh di mana bayaran penuh diterima.
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 Charge
/ Yuran Pampasan Pembayaran Lewat
Caj for Total Outstanding Balance if the minimum payment due is not paid by the Payment Due Date. /
Caj Baki Tertunggak sekiranya pembayaran minimum yang belum dibayar pada Tarikh Akhir Pembayaran.
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
-
Overseas Transactions
/ Transaksi Luar Negara
The conversion rate is determined by Visa International on the date of the conversion, plus an administrative cost. /
Kadar pertukaran ditentukan oleh Visa International pada hari pertukaran, berserta kos pentadbiran.
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 physical monthly 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.
TransactionTypes of ChargesAmount
(RM)
1Automated Teller Machine (ATM)
a. Cash withdrawal at any BMMB ATMMEPS Service ChargeWaived
b. Cash withdrawal at other domestic bank’s ATM via Bankcard platformMEPS Service Charge1.00 per successful withdrawal
c. Cash withdrawal at other domestic bank’s ATM via Bankcard platform for local incorporate Foreign BankMEPS Service Charge4.00 per successful withdrawal
2Non-cash ATM transaction:
a. Fund transfer to any BMMB account.Service chargeWaived
b. Cheque Book Request.Stamp Duty7.50 per booklet
c. IBFT Transfer – Local BankService charge0.30 per transaction
d. IBFT Transfer – Local Incorporate Foreign BankService charge4.00 per transaction
3Cash Deposit Machine:
  • Balance inquiry
  • Cash Deposit
  • Service chargeWaived
    4Cheque Deposit Machine:
  • Deposit of cheque
  • Service chargeWaived
    TransactionTypes of ChargesAmount
    (RM)
    1Monthly Charges
    a. Inquiry Transaction onlyService Charge40.00 per month
    b. Full Mode – Inquiry and monetary Transactions service chargeService Charge20.00 per month
    2Payment
    a. Interbank – GIROService Charge0.10 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 notificationService Charge
    (per transaction)
    0.20
    3Authorizationa. Token160.00
    b. Renewal of Token
    (every 2 years)
    100.00

    Note : Any waiver or Partial Waiver must get approved from respective product owner / management.

    TransactionTypes of ChargesAmount
    (RM)
    1IBG Transfer Service charges0.10
    2Tabung HajiService charges0.50
    3IBFT TransferService charges0.00
    4Online Stopped ChequeService charges10.00
    5Foreign Telegraphic Transfer (FTT)
    (per transaction)
    Service charges3.00
    Cable Charge30.00
    6SMS Recipient NotificationService charges
    (per transaction)
    0.20
    TransactionTypes of ChargesAmount
    (RM)
    1Key Deposit Deposit 150.00
    2Stamp Duty on agreement(per MSDB)As per Stamp Act 20.00
    3Annual 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
    4Loss of KeysService charges
  • Actual cost incurred
  • OR
  • Minimum 500.00
  • NoTransactionTypes of ChargesAmount (RM)
    1Reissuance of new Kontrak Pembiayaan Pajak Gadai Islam (Muamalat Ar-Rahnu)Service Charges5
    2Gold Jewellery Cleaning for BMMB Ar-Rahnu customersService ChargesFree
    TransactionTypes of ChargesAmount
    (RM)
    1Transfer of sukuk in and out Service charges 5.00
    2Account maintenance Service charges 50.00
    Services (Collection)
    Services (Collection)Service Charge on Government
    (RM)
    Service Charge on Government Agency
    (RM)
    Service Charge on Government Client
    (RM)
    1Counter e – Payment
    (Debit card)
    0.8% per transaction0.8% per transaction0.8% per transaction
    2Counter e – Payment
    (e-Debit)
    0.50 per transaction 0.50 per transaction0.50 per transaction
    3Counter e – Payment
    (MEPs Cash)
    1.00 per transaction1.00 per transaction1.00 per transaction
    4Bank Counter – Cash PaymentNILNIL5.00 per transaction
    5Bank Counter – Cheque PaymentNILNIL0.50 per cheque
    6Managed under Virtual Banking Section direct debit (to biller)NILNIL0.50 per transaction
    Services (Payment)
    TransactionServices (Payment)Service Charge on Government
    (RM)
    Service Charge on Government Agency
    (RM)
    Service Charge on Government Client
    (RM)
    1Cash Cheque
  • Encashment
  • Cheque issuance charges
  • NIL
    2.00 per piece
    0.50 per piece
    NIL
    2InterbankNIL1.00 per transactionNIL
    3InterbranchNIL0.50 per transactionNIL
    4Salary CreditingNILNILNIL
    5RentasNIL5.00 per transactionNIL
    Other Services
    Other ServicesService Charge on Government
    (RM)
    Service Charge on Government Agency
    (RM)
    Service Charge on Government Client
    (RM)
    1Bank StatementNIL10.00 per agencyNIL
    2Fund TransferNIL5.00 per transactionNIL
    3Issuance of Bankers Cheque/ Cashiers OrderNIL5.00 per transactionNIL
    4Cheque Image RequestNIL0.10 per chequeNIL
    5Cheque issuance charges0.500.500.50
    Savings Account
    TransactionActual charges
    (RM)
    1Transaction History/ Ad-hoc statement through counter1.00 per page
    Current Account
    TransactionActual charges
    (RM)
    1Transaction History/ Ad-hoc statement through counter1.00 per page
    Other Services
    TransactionActual charges
    (RM)
    1Tabung Haji6.00 per transaction
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