Bank Rakyat Classic Credit Card-i

Apply for Bank Rakyat Classic Credit Card-i by Bank Rakyat

Enjoy free Takaful protection and Cash-Convertible Rakyat Rewards with this Shariah-compliant card!

Bank Rakyat Classic Credit Card-i

Product Highlights

Reward Points Convertible to Cash

Earn reward points at a rate of 1 point for every RM10 spent. You can also choose to convert your points into cash at a rate of RM0.1 for every 10 points!

Free Takaful Family Protection

Enjoy free Takaful travel protection, protection on outstanding balance and free Takaful benevolence expenses of RM 1,000

Low Profit Rate

Enjoy a low profit rate of 13.5% with the Bank Rakyat Platinum Credit Card-i!

20 days Interest-Free Period

Pay zero interest for retail transactions if payment is made within 20 days (only if all retail transactions for the previous month are paid for by the due date).



Local rewards
Earn Spent
1 Rakyat Reward Point on every RM10 on all local and overseas retail expenses
  • Your Rakyat Reward Points never expire!

Fees and Charges

Annual fee Free for life.
Annual Fee for Supplementary Card Free for life.
Minimum monthly payment RM50 or 5% of outstanding amount
Late payment fee RM10 or 1% of outstanding amount, up to maximum of RM100
Cash withdrawal fee RM21.20 or 3.18% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawal 18%
Cash withdrawal fee RM5,000
*inclusive of 6% GST

Interest Rate

15% Interest Rate Per Annum Tier 1: Cardholders with prompt payments for 12 consecutive months
17% Interest Rate Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
18% Interest Rate Per Annum Tier 3: Cardholders who do not fall under the above categories.


Minimum Annual Income RM 24,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old