Bank Rakyat Gold Credit Card-i credit card

Bank Rakyat Gold Credit Card-i

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

  • 13.5% p.a. profit rate
  • 20 days penalty-free period
  • RM0.00 annual fee
  • Earn up to 1x reward point 

Apply online now for Bank Rakyat Gold Credit Card-i

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Because you should be rewarded for giving the bank your business

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!
1 point on every RM10on all local and overseas retail expenses
Rewards points earned never expires

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM21.20 or 3.18% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal

*inclusive of 6% GST


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
65 years old
Minimum age for supplementary card holder
18 years old
Who can Apply

Bank Rakyat Gold Credit Card-i review

What's so good (or not so good) about it?

Rakyat Rewards

Every Ringgit you spend on retail purchases 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 or email at 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

Bank Rakyat Gold Credit Card-i allows you to save more with 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 lower interest rate than the standard rate. For example, you made the minimum or full payment for your Bank Rakyat Gold Credit Card-i 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

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. Bank Rakyat 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 card holder will receive the compassionate awards for up to RM1000.

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