Personal Banking

Cards / Customer Loyalty Programme


The Bank Rakyat (“BR”) revised Loyalty Program (“Program”) is opened to all cardholders INCLUDING Bank Rakyat’s employees where the Credit Card-i accounts must be valid, in good standing, not closed, cancelled, suspended or terminated by BR to participate in the program.
The program is effective from 16 June 2022.

1. Rakyat Rewards
  • One point will be to cardholders for every RM10 spent. The points will then be converted into cash at the rate of RM0.10 per 10 points.
  • There will be a new expiration period on Rakyat Rewards. Please refer item EXPIRATION.

2. Tabung Rakyat Rewards / Rakyat Rebate

  • Effective from 16 June 2022, Tabung Rakyat Rewards will be revised as Rakyat Rebate.
  • The Rakyat Rebate schedule will be remained as per below table:

Descriptions Year 1 Year 2 Year 3
Auto debit facility 0.5% 0.5% 0.5%
Good Paymaster 1.0% 1.0% 1.5%
Other Bank Rakyat Financing Facility 0.5% 1.0% 1.0%
Total Rebate (Rakyat Rebate) 2.0% 2.5% 3.0%
  • Effective 16 June 2022, the profit rebate earned from Rakyat Rebate will be off set against principal outstanding balance on the statement date.
  • The rebate will be shown in the monthly statements as part of the items billed to the cardholder.
  • For existing cardholders, Tabung Rakyat Rewards accumulated until 15 June 2022 will be converted into Rakyat Rewards point by using the following conversion method. The conversion illustration as per below table:
 Scenario   Month/Year Tabung  Rakyat Rewards Conversion to  Rakyat Rewards Total Existing Rakyat Rewards Total Rakyat Rewards Accumulation


Prior to 15 June 2022

Upto 15 June 2022 16 June 2022


5,000 points

10,000 points

 15,000 points


Prior to15 June 2022

Up to 15 June 2022

16 June 2022
RM100 10,000 points 15,000 points 25,000 points


  1. Effective from 16 June 2022, Rakyat Rewards will have an expiration period of three years. Rakyat Rewards earned in a particular date of any month are valid until last date of calendar month of the third year. Below is the illustration table depicting accumulated Rakyat Rewards and the applicable expiry date:
Month/Year Rakyat Rewards Accumulation Rakyat Rewards Expiration
Prior to 15 June2022 Up to 15 June 2022 On 30 June 2025
June 2022 From 16 to 30 June 2022 On 30 June 2025
January 2023 From  1 to 31 Jan 2023 On 31 Jan 2026
March 2024 From 1 to 31 March 2024 On 31 March 2027
  • All Rakyat Rewards should be redeemed prior to the expiry date. There will be no extension of period given to any of the expired Rakyat Rewards.
  • The Cardholders will be notified of the number of Rakyat Rewards accumulated in monthly card statement.
  • The Cardholders may view their points accumulation via iRakyat. Please refer Rewards Redemption via iRakyat section below:
  • Cardholders may register at Bank Rakyat iRakyat by following the steps below :-

Step 1

Log onto and click on “Login”, select “Personal Banking”.

Step 2

Click on“Register”,select “I have a Bank Rakyat Debit Card-i / Credit Card-i” to proceed.

Step 3

Register as a member with your Credit Card-i number, mobile phone number and Card PIN.
If you have mobile number  that is already registered with Bank Rakyat, you will receive a Transaction Authorization Code (TAC) via SMS and key in the TAC number and click “Next”.

Step 4

Create your user ID, new password and email address and create secure phrase and select a colour from the listing.
Read and accept the terms and conditions and click “Submit”.

Step 5

Once registration is completed, system will display the secure phrase and
default daily online transaction limit. Click “Click Here” to proceed to login page.

Step 6

Once successful, proceed to “Login” with your user ID and password to enjoy the benefits.

  • Cardholders may follow the steps below for Rakyat Rewards redemption through iRakyat : -

Step 1

At the homepage, go to “Rakyat Rewards” and you may view all the rewards redemption information.
Step 2 To redeem, login to iRakyat with your registered user ID an dPassword.
Step 3 Go to account info and click “Card”

Step 4

Select “Rakyat Rewards” and choose your desired redemption points or rebates methods (CASA-i/OFA/Appointed partners).
Step 5 Select the redemption methods with amount

Step 6

Upon completion, proceed to “check out”, confirm the redemption details and a message will be displayed to confirm the redemption order.

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.