Bank Rakyat Gold Credit Card-i by Bank Rakyat

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 Credit Card-i!

Features

Rewards

Earn	Spent In
1 Rakyat Reward Point Per RM 10	All expenses

Your Rakyat Reward Points never expire!
Convert Rakyat Rewards Points into cash. 10 points = RM 0.10.

Bank Rakyat Credit Card I Balance Transfer

Pay Over	With Interest Rate At
3 Months	3% p.a.
4th Months Onwards	13.5% p.a.

Fees and Charges

Annual Fee For Primary Card	Free
Annual Fee For Supplementary Card	Free
Minimum Monthly Payment	RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee	RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100
Cash Withdrawal Fee	RM 21.20 or 3% of the withdrawn amount depending on the amount for every transaction
Profit Rate On Cash Withdrawal	18% p.a.

Interest Rate

Tiers	Criteria	Profit Rate Per Annum
Tier 1: Minimum payment received before or on Payment Due Date for 9 consecutive months.	Non-Member of Bank Rakyat Shares	13.5%
	Member of Bank Rakyat Shares	13.0%
Tier 2: Minimum payment received before or on Payment Due Date for 6 months or more within 9 months.	Non-Member of Bank Rakyat Shares	17.0%
	Member of Bank Rakyat Shares	15.5%
Tier 3: Cardmembers who do not fall within the above categories	Non-Member of Bank Rakyat Shares	18.0%
	Member of Bank Rakyat Shares	17.0%

Requirements

Minimum Annual Income	RM 36,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Anyone

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