Bank Rakyat Gold Credit Card-i

Pay no annual fee with no condition and get FREE group Family Takaful Coverage, 0% instalment Plan facility, low profit rates and rewards points.

Bank Rakyat Gold Credit Card-iFree Takaful Insurance
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 for every RM10. Points are converted to cash at the rate of RM0.10 per 10 points. 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


Bring your credit card during overseas trips and enjoy ZERO additional fees on currency exchange on overseas transactions.

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RM20 or 3% of withdrawn amount, whichever is higher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.


Collect Rakyat Rewards with Bank Rakyat Gold Credit Card-i

Every Ringgit you spend on retail purchases with Bank Rakyat Gold Credit Card-i will never go to waste. 

You can redeem 1 Rakyat Reward for every RM10 spending on retail transactions. 

What's more - you can convert your accumulated Rakyat Rewards to cash for RM0.10 per 10 points.

In other words, this benefit is similar to the cashback in which you can get the cash rebate of 0.1% on all your retail spending. 

The minimum rewards redemption is 1000 Rakyat Rewards that is equivalent to RM10. However, the transactions on non-halal purchases and services are not eligible for the rewards.

If you wish to use your Bank Rakyat Gold Credit Card-i for online shopping and overseas purchases, we'd recommend you to contact Bank Rakyat Card Centre at 03-2693 6880 before you make any transactions. 

This is to secure the safety of your credit card account.

The redemption of Rakyat Rewards is very simple and convenient - just contact Bank Rakyat Card Center at 03-2693 6880. 

You can choose the redemption method via cheque, credit to Bank Rakyat Savings Account or credit to Umrah package. 

Besides that, you can request Bank Rakyat to reduce your current outstanding balance with your Rakyat Rewards earned.

No Annual Fee

This Bank Rakyat Islamic credit card allows you to save more at no cost at all. Worry not, the annual fee is waived for life without any hidden conditions.

You can enjoy the benefits as long as you are 21 years old and above. Meanwhile, the minimum age for the supplementary card is 18 years old. 

Besides that, the minimum income requirement is RM36000 per year.

Low Interest Rate

Bank Rakyat Gold Credit Card-i offers a lower interest rate than the standard rate. 

For example, you made the minimum or full payment for your credit card for the previous 9 months, unfortunately, you are not able to make it this month, Bank Rakyat will impose the interest rate of 13.5% p.a. only instead of the standard rate of 15% p.a..

Complimentary Family Takaful from Bank Rakyat Gold Credit Card-i

The unfortunate might happen anytime without your awareness. 

In the event of death or permanent disablement, you do not need to worry that you're not able to settle the credit card outstanding balance. 

Your Bank Rakyat Gold Credit Card-i will settle the full payment on behalf of you via Bank Rakyat Family Takaful protection.

On top of that, in the event of death, the beneficiary of the cardholder will receive the compassionate awards for up to RM1,000.