Bank Rakyat Platinum Credit Card-i

Earn Rakyat Rewards every time you spend then convert to cash whenever you strapped. Plus enjoy free Family Takaful coverage and annual fee waiver!

Bank Rakyat Platinum Credit Card-iFree Annual Fee
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


Get rewarded with 1 Rakyat Reward Point for every RM10 spent with your credit card. Earn your points that have no expiry date and convert them to cash at the rate of RM0.10 per 10 points!

1 point on every RM10on all local and overseas retail expenses

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
  • RM388 primary card

    Free for first year

    Waived when you swipe at least 1 time a year for subsequent years

  • RM150 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RM21.20 or 3% of withdrawn amount, whichever is higher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


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.


Enjoy Annual Fee Waiver with Bank Rakyat Platinum Credit Card-i

Your first-year annual fee for Bank Rakyat Platinum Credit Card-i is waived without any minimum spending required.

Worry not, the annual fee is waived without any other hidden conditions. 

Besides that, the annual fee is waived for the subsequent years with at least one usage within a year regardless of any amount. 

Well, to be specific, the minimum spending is as low as RM0.01.

If you do not fulfill the above requirement, you will have to pay the annual fee of RM411.28 for the principal card or RM159 for each supplementary card.

Rewards or Cashback

Every Ringgit you spend with your Bank Rakyat Platinum Credit Card-i will never waste. 

Your spending will convert to Rakyat Rewards and then exchange with cash. For each RM10 you spend with the card, you earn 1 Rakyat Rewards. 

You can convert 10 Rakyat Rewards with RM0.10. In other words, you earn 0.1% cashback on all of your retail purchases.

Bear in mind that only Halal transactions are eligible for the benefits. 

On top of that, you have to contact Bank Rakyat at 03-2693 6000 before you make any overseas or online transactions.


You can redeem the cashback via various methods.

  • Cheque
  • Credit to your Bank Rakyat savings account
  • Credit to your Bank Rakyat Credit Card-i account to reduce the outstanding
  • Umrah package

Just contact Bank Rakyat Card Center at 03-2693 6880 for redemption application.

Get Compassionate Allowance from Bank Rakyat Platinum Credit Card-i

This Bank Rakyat Islamic credit card provides Family Takaful protection for free. 

Bank Rakyat will settle all your credit card outstanding balance on behalf of you in the event of your death or permanent disablement. 

The beneficiary of the cardholder will also receive a compassionate allowance of up to RM1000.

Bank Rakyat Platinum Credit Card-i Supplementary Cards

You can always share the card benefits with your loved ones by applying for supplementary cards. 

The principal cardholder can apply for a maximum of 5 supplementary cards. 

The minimum age of supplementary cardholder is 18 years old according to the date of birth.

The application of the supplementary card is easy. 

The principal cardholder needs to complete the section of Supplementary Card Request with supporting documents such as copies of Identification Cards for the principal cardholder and each supplementary card.

If you are a supplementary cardholder of Bank Rakyat Platinum Credit Card-i who wants to become the principal cardholder, you can just complete a new application form.