Bank Rakyat Muslimah 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!

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

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Cash Withdrawal Fee	RM 21.20 or 3% of the withdrawn amount depending on the amount for every transaction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 24,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Women, Malaysian citizens