Bank Rakyat Classic Credit Card-i

FREE group Family Takaful insurance. Coverage includes guaranteed repayment of outstanding debts accrued through Credit Card-i usage

Bank Rakyat Classic Credit Card-iAnnual Fee Waived!
Min. Income
Annual Fee
Balance Transfer
From 3% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
20 days


Rakyat Rewards: 1 point = RM10. Points are converted to cash at the rate of RM0.10 per 10 points. Also, earn as much as 3.0% of Profit Rebate on Auto Debit facility, Bank Rakyat loan facility, and for being a good paymaster!

Rakyat Rewards
1 point on every RM10on all local and overseas retail expenses

Balance Transfer

Pay OverWith Interest Rate AtWhen You Transfer
3 months3% p.a. and no one-time upfront handling feefrom RM1,000
12 months13.5% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Bank Rakyat Credit Card-i Balance Transfer

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20 or 3% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Minimum Annual Income
Minimum Age
  • 21 to 65 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Balance Transfer Plans
Bank Rakyat Credit Card-i Balance Transfer
Save more on interest rates when you consolidate your funds with this Balance Transfer that offers you rates much lower than that 18% we're all used to.


Get Rewarded with Bank Rakyat Classic Credit Card-i

Your spending with Bank Rakyat Classic Credit Card-i earns Rakyat Rewards. For each RM10 you spent, you will get 1 Rakyat Rewards. 

Your accumulated reward points can be converted to cashback which is RM0.10 for each 10 Rakyat Rewards. In other words, you can get 0.1% cashback on each RM1 of your spending.

Bear in mind that the reward points are only given to the transactions that support halal products and services.

You can choose to redeem your Rakyat Rewards via cheque, credit to any of your Bank Rakyat savings account or Umrah package. 

Besides that, you can opt to request Bank Rakyat to credit the rewards to your Bank Rakyat credit card account to reduce the outstanding balance. 

The redemption is easy – just contact Bank Rakyat at 03-2693 6880.

Zero Cost

You can enjoy all the card benefits with no cost at all forever. No worries, the annual fee waiver is not any hidden requirements or charges.

Takaful Protection from Bank Rakyat Classic Credit Card-i

Bank Rakyat Classic Credit Card-i provides free family Takaful protection to secure your outstanding account balance in the event of death or permanent disablement. 

Bank Rakyat will make the full payment on behalf of you via the Takaful protection.

In the event of death, the beneficiary of the cardholder will receive a compassionate reimbursement of up to RM1000.

Credit Limit

Credit limit refers to the maximum purchase amount you will be allowed with this Bank Rakyat credit card.

If your annual income falls between RM24,000 and RM36,000, you can apply for this credit card that gives you a minimum credit limit cap of at least RM3000. 

The maximum credit limit depends on your credit rating.

Enjoy Low Interest Rate with Bank Rakyat Classic Credit Card-i

The interest rate is also known as the finance charge on the outstanding credit card balance. 

The interest rate is charged based on your previous 12 months' repayment period, be it a full or minimum payment.

If you make the prompt repayment in the past 12 months, the standard interest rate is 13.5% p.a., meanwhile, it is 16% p.a. for the repayment in 10 out of 12 months. 

If you do not fulfill the above requirements, the interest rate charged on your outstanding payment will be 18% p.a..

With Bank Rakyat Classic Credit Card-i, you will only be charged 13.5% p.a. if you make the repayment before the due date continuously for 9 months.