Muslimah Card

The Muslimah Card is the latest Credit Card-i issued by Bank Rakyat specifically for women. It is the one and only shariah-compliant Credit Card-i for women in Malaysia.

Shariah Concept

Tawarruq

Privileges

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
Birthday Rewards*
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 %

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.

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.

Eligibility

Age: 21 years old and above for Principal Cardholder
Age: 18 years old and above for Supplementary Cardholder
*Maximum age limit for applicant is 65 years old (age limit for takaful coverage)
Annual Income: RM24,000 above

How To Apply

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 ofBusiness 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

FAQ

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 Muslimah cardholders?

Financing limit for Muslimah card starts from RM3,000 and above.

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

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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