Bank Rakyat Kad Muslimah credit card

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.

  • 13.5% p.a. profit rate
  • 20 days penalty-free period
  • 3% p.a. balance transfer over 3 months
  • RM0.00 annual fee
  • Earn up to 1x reward point 

Apply online now for Bank Rakyat Kad Muslimah

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Because you should be rewarded for giving the bank your business

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 RM1000 
12 months13.5% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Bank Rakyat Credit Card-i Balance Transfer
Easy Payment Plan (EPP)
Enjoy 0% flexible instalment plan for up to 24 months when you convert a minimum of RM1,000.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for now
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
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RM21.20 or 3.00% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals


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
Women Only


Get some extra help from your credit card when you need it most

Balance Transfer
Bank Rakyat Credit Card-i Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Bank Rakyat Kad Muslimah review

A must-have lifestyle credit card for trendy Muslimah

Shop till you drop!

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 this 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 RM1000 in a single receipt, then at the check out terminal, call the bank to request for 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 

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 want to ensure that you and your family are well protected too, particularly under a complimentary family Takaful plan for FREE. Moreover, you will get RM1000 in compensation for funeral expenses, subject to a maximum age of 65.

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