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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
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.
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
    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.

    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

    Actual cost incurred

    OR

    Minimum 500.00

    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)
    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
    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
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    2024-04-17 08:38:30