Bank Rakyat Kad Muslimah

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

Bank Rakyat Kad MuslimahCelebrating Women!
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


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!

1 point on every RM10on all local and overseas retail expenses

Balance Transfer

Consolidate and transfer your outstanding balance from another 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

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RM21.20 or 3% of withdrawn amount, whichever is higher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
Contact-less Payment Methods
MasterCard PayPass


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


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.


Shop till you drop with Bank Rakyat Kad Muslimah!

Do you fancy those scarves worn by famous hijabsters on Instagram? 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 flexi payment plan. 

All you need to do is spend at least RM1,000 in a single receipt, then at the check out terminal, call the bank to request an installment plan and select your preferable period of payment but 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 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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