Personal Banking
Cards
/
Gold Card
Tawarruq
- Annual Fee: WAIVED with NO condition.
- NO compounding element.
- FREE Group Family Takaful Coverage and ‘Khairat Kematian’. Coverage includes guaranteed repayment of outstanding finances accrued through Credit Card-i usage.
- 0% Mark Up Rate for overseas transactions (NO additional fees on currency exchange for overseas transactions).
- 0% Instalment Plan facility for retail purchases of RM1,000 & above.
- NO Processing Fee
- NO Penalty Charge for full settlement
- LOW profit rate under the Credit Card-i Tiered Pricing Structure.
| Tier | Criteria | Yearly Profit Rate |
| Tier 1: Minimum payment received before or on the Due Date for 9 months consecutively. | Non-Bank Rakyat Share Member | 13.5 % |
| Bank Rakyat Share Member | 13.0 % | |
| Tier 2: Minimum payment received before or on the Due Date for 6 months or more within 9 months period. | Non-Bank Rakyat Share Member | 17 % |
| Bank Rakyat Share Member | 15.5 % | |
| Tier 3: Does not meet the above conditions for Tier 1 and Tier 2. | Non-Bank Rakyat Share Member | 18 % |
| Bank Rakyat Share Member | 17 % |
- Rakyat Rewards
1 point is given to cardholder every RM10 spent. The point would then be converted to cash at the rate of RM0.10 per 10 points.
- Profit Rebate (Tabung Rakyat Rewards).The rebate schedule as per below:
| 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 (Tabung Rakyat Rewards) |
2.0 % | 2.5 % | 3.0 % |
- Zakat payment– Card is accepted for zakat payment.
- Discount for Mail Order/ Telephone Order (MOTO):
Privileges and special discounts under the Bank’s MOTO program. The program promotions will be sent together with the monthly Credit Card-i statement from time to time.
Note:- Transactions at non-halal merchants will be declined.
- Overseas Transaction and Online Purchase : For security purpose, please contact our Bank Rakyat Card Centre at 03-2693 6880 before made any overseas and/or online transactions.
- Age: 21 years old and above for Principal Cardholder Age: 18 years old and above for Supplementary Cardholder
- Annual Income: RM36,000 above
*Maximum age limit for applicant is 65 years old (age limit for takaful coverage)
Documents required :
Government Servants :
Private Sector Employees :
Monthly Salary with Commission Base :
NO Basic Pay, solely on Commission Base :
Self Employed :
Expatriate :
Pensioner :
- Copy of Identity Card (Front and Back) / Passport (For Principal / Supplementary Applicant’s) AND :
Government Servants :
- Copy of latest pay slip
Private Sector Employees :
- Copy of latest pay slip AND
- EA Form / EPF statement (latest 6 months transactions)
Monthly Salary with Commission Base :
- Copy of latest pay slip AND
- EA Form / EPF statement (latest 6 months transactions) OR
- Copy of latest commission statement (6 months record)
NO Basic Pay, solely on Commission Base :
- Copy of latest commission statement (12 months record)
Self Employed :
- Copy of Business Registration AND
- Copy of latest 6 months bank’s statement AND
- Copy of latest Form B AND
- Copy of Tax Payment Receipt
Expatriate :
- Copy of Bank Rakyat Saving Account-i AND
- Copy of contract confirmation letter from employer
Pensioner :
- Copy of pension statement (latest 12 months transactions) AND
- Copy of 3 months Bank statement (showing the crediting of pension amount into the account)
Click here for application form/application via online: Credit Card via online
i) How do I been notified regarding the status of my application?
Application status will be notified via SMS.
ii) How many additional cards can I apply?
The Principal Cardholder may have up to 5 Supplementary Cardholders.
iii) What is the financing limit offered to Gold cardholders?
Financing limit for Gold card starts from RM8,000 to RM19,000.
iv) How do I apply for additional cards?
Principal cardholder only need to fill up supplementary info at the section of ‘Supplementary Card Request’ in the Bank Rakyat Credit Card-i application form. The required documents are a copy of Identity Card for Principal and Supplementary cardholders.
v) I am a Supplementary cardholder, however, I wish to apply as a Principal cardholder. Can I do so?
YES. The application procedure is similar as a new application.
vi) What is the number that I need to contact for any enquiries?
For any enquiries or card activation, please contact 03-2693 6880
For lost or stolen, please IMMEDIATELY call 03-2692 4600
Application status will be notified via SMS.
ii) How many additional cards can I apply?
The Principal Cardholder may have up to 5 Supplementary Cardholders.
iii) What is the financing limit offered to Gold cardholders?
Financing limit for Gold card starts from RM8,000 to RM19,000.
iv) How do I apply for additional cards?
Principal cardholder only need to fill up supplementary info at the section of ‘Supplementary Card Request’ in the Bank Rakyat Credit Card-i application form. The required documents are a copy of Identity Card for Principal and Supplementary cardholders.
v) I am a Supplementary cardholder, however, I wish to apply as a Principal cardholder. Can I do so?
YES. The application procedure is similar as a new application.
vi) What is the number that I need to contact for any enquiries?
For any enquiries or card activation, please contact 03-2693 6880
For lost or stolen, please IMMEDIATELY call 03-2692 4600
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.