Personal Banking

Cards / Gold Card
  • 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 %
Note: The tiered pricing is not applicable for Bank Rakyat staff.
  • 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.

  • 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.
  1. Age: 21 years old and above for Principal Cardholder
  2. Age: 18 years old and above for Supplementary Cardholder
    *Maximum age limit for applicant is 65 years old (age limit for takaful coverage)
  3. Annual Income: RM36,000 above
Documents required :
  • 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

Auto Debit Form

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

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.