Personal Banking

Cards / Debit Card-i

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Terms & Condition

Product disclosure sheet

Bank Rakyat's Debit Card-i can be used for retail transaction in all merchants premise and also cash withdrawal at financial institution that accept the MasterCard transactions throughout the world. It is also an alternative for cash and cheques.

Shariah Concept

Ijarah Khadamat

Benefit

There is no minimum income needed
Bank Rakyat's Debit Card-i can be obtained on the same day of the application processed.
Accepted at all merchant counter which participated with MasterCard worldwide
Same as Credit Card-i – can be used for retail purchase, internet transaction and cash withdrawal at ATM local and overseas.
High daily card usage limit (combination of retail transaction and cash transaction), up to RM10,000 or total balance that can be use in saving accounts, whichever that is lower.
Daily cash withdrawal is limited to RM3,000 or maximum of RM5,000* daily.

Note:

Any transaction with merchant counter that offers non-halal products/services are not allowed
Overseas Transaction and Online Purchase
For safety purposes, please inform our Bank Rakyat Card Centre at 03-26936880 before you want to use the card for any overseas transaction and/or online purchase on the internet.

Eligibility

Customers have to own/open Savings Account-i
Aged 18 years and above
New application and replacement for Bank Rakyat's Debit Card-i can be performed at any Bank Rakyat branch.
Minimum balance to open/apply for card depends on minimum balance to open Savings Account-i/eCurrent Account-i (e-CAi)

Fee & Charge

TRANSACTION	CHARGE
Yearly Fee	Bank Rakyat Debit Card-i & Co-Band Debit Card-i/Special Edition Card : No annual fee for the first year RM8.00 for second year and so on, until the expiry date of the card. This fee will be imposed on every anniversary date of the card, starting from the second year. 1Malaysia Discount Siswa Debit Card-i (KadS1M Debit-i) No annual fee for the first year RM5.00 for second year and so on, until the expiry date of the card. The fee will be imposed on every anniversary date of the card, starting from the second year.
Membership Fee	None
Application Process Fee	RM8.00
Cash Withdrawal Service Fee	At Bank Rakyat ATM – None At other local banks' ATM – RM1.00 LIFB (Local Incorporated Foreign Bank) - RM4.00 At other overseas banks' ATM and Counters – RM12.00
Card Replacement Charges	Lost/Stolen - RM12.00 Faulty card condition/chip - None
Overseas business exchange (% from total usage)	1.25% from total usage.
Sales Draft Copy Charges	RM5.00 for each copy of the sales draft requested RM15.00 for each original copy of the sales draft requested
Account statement request via Bank Rakyat ATM	RM0.00
Balance enquiry at other bank's	Via ATM:RM0.00 Via MasterCard network: RM1.00

Transaction Limit

ITEMS	TRANSACTION LIMIT
Savings account balance	Minimum RM10
Overseas business exchange (% from total usage)	1.25% from total usage.
Daily limit for card usage	RM10,000 or total balance in savings account, whichever lower
Withdrawal from ATM machine	RM3,000 or maximum RM5,000 per day
Withdrawal limit from ATM machine for each transaction	Maximum RM1,500
Retail purchase	Maximum RM10,000 per day or total balance in Savings Account-i, whichever lower

The published rates, fees and charges are effective from 1st April 2019 following the implementation of 6% SST from 1st September 2018. Terms & conditions apply.

For any enquiries, please visit the nearest branch or call our Contact Centre tele-Rakyat at 1-300-80-5454.
*Terms and conditions apply.