Bank Rakyat Kad Muslimah

A free-for-life credit card tailored for all Malaysian women. Enjoy exclusive deals, discounts up to 10% at selected merchants and MasterCard privileges.

Bank Rakyat Kad MuslimahCelebrating Women!
Min. Income
RM2,000/month
Annual Fee
Free
Balance Transfer
From 3% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
Interest-free
20 days

Rewards

Spend using Bank Rakyat Kad Muslimah at participating merchants such as Bokitta, Radiusite, Siti Khadijah, Zalora, KFIT City Skin Medispa etc and get up to 30% discounts!

EarnSpend
1 point on every RM10all Retail Expenses (Local and Overseas)

Premium

Enjoy free Takaful coverage of up to RM300,000 on your card's outstanding balances should an unfortunate event happen, and 'Khairat Kematian' of RM1,000. Subject to terms and conditions.

Balance Transfer

Consolidate and transfer your outstanding balance from other credit cards to Bank Rakyat Kad Muslimah and pay over flexible tenures from as low as 3% p.a.

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

Easy Payment Plans

Enjoy 0% flexible instalment plans for longer repayment tenures when you convert a minimum of RM1,000.

Bank Rakyat Easy Instalment Plan
Pay OverWith Interest Rate AtWhen You Spend
24 months0% p.a. and no one-time upfront handling feeRM1,000
36 months0% p.a. and no one-time upfront handling feeRM1,000
Learn more about Bank Rakyat Easy Instalment Plan
Bank Rakyat Flexi Easy Payment
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feeRM1,000
24 months0% p.a. and no one-time upfront handling feeRM5,000
Learn more about Bank Rakyat Flexi Easy Payment

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for now

  • 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
RM21.20 or 3% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
MasterCard PayPass

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 to 65 years old primary card
  • 18 years old supplementary card
Who can apply
  • Women Only

Features

Easy Payment Plan
Bank Rakyat Easy Instalment Plan
Been eyeing that dream item of yours? Stretch the payment up to 24 or 36 months and enjoy a 0% profit rate on the instalments.
Bank Rakyat Flexi Easy Payment
Get whatever your heart desires and enjoy an interest-free instalment plan from Bank Rakyat with a minimum purchase of RM1,000 up to more than RM5,000.
Balance Transfer Plans
Bank Rakyat Credit Card-i Balance Transfer
Save more on interest rates when you consolidate your outstanding balances with this Balance Transfer that offers you rates much lower than that 18% we're all used to.

Review

Shop till you drop with Bank Rakyat Kad Muslimah!

Do you fancy those scarves worn by famous hijabis on Instagram? Do you want to curate your own Muslimah fashions and trends Youtube channel? 

You can do both and more with Bank Rakyat Kad Muslimah, a Shariah-compliant credit card catering to Muslimah. 

With up to 15% discounts available at selected merchants, you cannot afford to miss out on new collections and exclusive deals on modest fashion wear and dangling accessories!

Go cash or flexi pay

You can choose to swipe your credit card on the big-ticket item(s) you have purchased and settle the outstanding amount within or before the 20-day penalty-free period. 

Or, if you feel the amount is too significant and the window is too short, you can save yourself from the onus of paying profit rates on the outstanding due when you select to repay via the flexi payment plan. 

All you need to do is spend at least RM1,000 in a single receipt, then at the checkout terminal, call the bank to request an instalment plan and select your preferable period of payment not exceeding 24 months. Plus, there is no fee for settling your outstanding debts early. Voila!

Balance transfer

Don't stress yourself out, Kad Muslimah is here to the rescue! 

You can transfer the balances from your previous credit card into this card at low-profit rates of 0.25% or 3% per annum for the first 3 months; and from the fourth month, until the balance amounts are fully paid, you are subject to profit rates of 1.125% or 13.5% per annum.

FREE family Takaful from Bank Rakyat Kad Muslimah

As the queen or princess in the family, you deserve to be endowed with lots of love and protection. 

With this in mind, Bank Rakyat Kad Muslimah wants to ensure that you and your family are well protected too, particularly under a complimentary family Takaful plan for FREE. 

Moreover, you will get RM1,000 in compensation for funeral expenses, subject to a maximum age of 65.

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