Bank Rakyat Credit Card-i Gold
Bank Rakyat Credit Card-i Gold
RM 3,000
Minimum monthly income
RM 0
Annual fee
waived for life
13.5%
Interest rate p.a
3%
Balance transfer rate (fixed)
Product details
Product details
Features
Good for
Rewards/Offers, Islamic & No Annual Payments
1X Rakyat Reward Points for every RM10 spent
Islamic Credit Card
ZERO Annual Fee
Card usage limited to Halal transactions only
Eligibility
| Minimum monthly income | RM 3,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 0 | waived for life |
| Annual fee waiver | Yes | waived for life |
| Late payment fee | RM 10/1% | 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate | 13.5% | Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) | 3% | 12 months Balance Transfer period |
| Annual fee |
RM 0 waived for life |
| Annual fee waiver |
Yes waived for life |
| Late payment fee |
RM 10/1% 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate |
13.5% Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) |
3% 12 months Balance Transfer period |
Document required to apply
Product review by 
Product review by
The Shariah-based credit card that requires all cardholders to pay zero annual fees for life while also offering rewards when you spend with your Bank Rakyat Credit Card-i Gold, applicable to Halal merchants only.
Get rewarded based on Halal transactions with the Bank Rakyat Credit Card-i Gold
Spend effortlessly with your Bank Rakyat Credit Card-i Gold and receive 1 Rakyat Reward Point for every RM10! This included every single expense, but only Halal merchants only. You could also convert all the Rakyat Rewards Points into cash at the rate of 10 points per RM0.10. Pretty convenient if you’re in need of cash!
Free Takaful coverage for your family
Whether you’re always travelling with your family or having financial trouble whereby you’re unable to pay for your credit card bills, the Bank Rakyat Credit Card-i Gold offers free Takaful protection coverage for you and your family.
We can’t stop situations when there is death or accidents involved in your family which causes financial burdens. Don’t worry about settling your credit card overdue payments as the Takaful coverage offered by the Bank Rakyat Credit Card-i Gold will take care of everything for you.
You will also be compensated for RM1,000 when a family member passes away.
Bank Rakyat Credit Card-i Gold - zero annual fees with no conditions required
You wouldn’t have to pay any annual fees at all when you own the Bank Rakyat Credit Card-i Gold. There won’t be any conditions needed to be met in order to get your annual fee waived as it is free for life.
Low rates with the Bank Rakyat Credit Card-i Gold
The Bank Rakyat Credit Card-i Gold also offers a low interest rate at only 13.5% unlike most credit cards that charge an interest rate of 15% every year. How this works is that if you make the minimum payment before or on the due date itself for 9 consecutive months, the interest rate charged will only be 13.5% and not the standard rate of 15%.
When you’re overseas and use your Bank Rakyat Credit Card-i Gold to pay for your expenses, you will not be charged with any additional rates for the currency exchange.
FAQs
FAQs
You can apply directly with our online application which can be completed in just two steps. After you have successfully completed and submitted your online application, we will help to process it for you immediately. If you have any questions or need further assistance, you can reach out to our customer service at +6012-385 0211.
You have to be at least 21 years old and above with a monthly salary of RM3,000. The requirements for supplementary cardholders would only be the age, which is 18 years old and above.
No, there is no annual fee charged to principal or supplementary cardholders. There won’t be any requirements or specific conditions needed to be met as well in order to get the annual fees waived.
If you withdraw cash with your Bank Rakyat Credit Card-i Gold, you will be charged a fee of RM20 or 3% of the total amount you’ve withdrawn. Other than that, if you don’t make your repayments within the due date, you will be charged a late payment fee of RM10 or 1% of the total amount that you’ve failed to pay on time.
- Gain 1 Rakyat Reward Point for all expenses per RM10 spent
- Complimentary Takaful Protection for family
- No annual fees
- Low interest rate at only 13.5%
It is suitable for those who only shop at Halal merchants and prefer to own a credit card based on the Shariah concept. This credit card is also suitable for those who love rewards and would like to have Takaful family protection.
