Enjoy this Islamic credit card with low profit rate and up to 25% discount on Takaful Ikhlas non-motor related insurance!
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!
Enjoy free Takaful travel protection, protection on outstanding balance and free Takaful benevolence expenses of RM 1,000
Enjoy 25% rebate on selected non-motor relataed Takaful products
| Earn | Spent |
|---|---|
| 1 Rakyat Reward Point on every RM10 | on all local and overseas retail expenses |
| 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| Cash withdrawal fee | RM21.20 or 3.18% of withdrawn amount, whichever is higher |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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