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
25% Takaful Rebate
Enjoy 25% rebate on selected non-motor relataed Takaful products
|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|Cash withdrawal fee||RM21.20 or 3.18% of withdrawn amount, whichever is higher|
|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 36,000|
|Minimum Age For Primary Card||21 years old|
|Minimum Age For Supplementary Card||18 years old|
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