Customer Loyalty Programme

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.


  • 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.
  • 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:

    • DescriptionsYear 1Year 2Year 3
      Auto debit facility0.5%0.5%0.5%
      Good Paymaster1.0%1.0%1.5%
      Other Bank Rakyat Financing Facility0.5%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/YearTabung  Rakyat RewardsConversion to  Rakyat RewardsTotal Existing Rakyat RewardsTotal Rakyat Rewards Accumulation


      Prior to 15 June 2022

      Upto 15 June 202216 June 2022


      5,000 points

      10,000 points

       15,000 points


      Prior to15 June 2022

      Up to 15 June 2022

      16 June 2022
      RM10010,000 points15,000 points25,000 points


  • 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/YearRakyat Rewards AccumulationRakyat Rewards Expiration
Prior to 15 June2022Up to 15 June 2022On 30 June 2025
June 2022From 16 to 30 June 2022On 30 June 2025
January 2023From  1 to 31 Jan 2023On 31 Jan 2026
March 2024From 1 to 31 March 2024On 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 2To redeem, login to iRakyat with your registered user ID an dPassword.
    Step 3Go 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 5Select 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

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