Bank Rakyat TISB Credit Card-i credit card

Bank Rakyat TISB Credit Card-i

Enjoy the perks of a credit card while being financially protected from personal accidents. Get discount up to 25% on Takaful Ikhlas non-motor related insurance!

  • 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 TISB Credit Card-i

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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Receive 1 Rakyat Reward Point for every RM10 spent whenever you swipe your Bank Rakyat credit card on any purchases. Redeem RM0.10 in cash for each 10 points you have earned.
EarnSpent
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
RM0
  • Free for life
Annual Fee for Supplementary Card
RM0
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RM21.20 or 3.18% of withdrawn amount, whichever is higher

All fees & charges are inclusive of 6% GST if applicable

Requirements

Are you eligible for this credit card?

Minimum annual income
RM36000
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
Any Business

Features

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 TISB Credit Card-i review

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

Free Takaful Coverage

Bank Rakyat TISB Credit Card-i partners with Takaful IKHLAS for better Takaful benefits. You will enjoy free family takaful to secure your credit card's outstanding balance in the event of death or permanent disability. Bank Rakyat will make the full payment on behalf of you via the Takaful protection. Besides that, the beneficiary will receive the compassionate allowance of up to RM1000 in the event of death of the card holder.

On top of that, you can enjoy up to RM7500 for group family takaful coverage and up to RM25000 for group personal accident takaful. However, the benefits are available for the first year only. Bank Rakyat TISB Credit Card-i also offers up to 25% discount for Takaful IKHLAS non-motor products.

  • 25% off for Personal Accident Takaful of IKHLAS Kembara Takaful
  • 15% off for IKHLAS Fire Takaful
  • 15% off for IKHLAS Houseowner/ Householder Takaful

Rakyat Rewards

Every RM10 spending with Bank Rakyat TISB Credit Card-i earns you 1 Rakyat Rewards. You can convert the reward points to cash anytime. Each 10 Rakyat Rewards gives you RM0.10 – that is 0.1% cashback.

The cash redemption can be made easily by contacting Bank Rakyat Card Centre at 03-2693 6880 or email to kkredit@bankrakyat.com.my. You can opt for one of the following methods.

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

Bear in mind that non-halal transactions are not eligible for the rewards, such as gambling. If you would like to make overseas or online transactions, you are required to inform Bank Rakyat Card Centre at 03-2693 6880 beforehand to secure the safety of your card account.

No Cost For Life

You can enjoy all the benefits with Bank Rakyat TISB Credit Card-i at no cost. Yes, the annual fee is waived for life with no hidden conditions.

Eligibility

As long as you're at least 21 years old who earn a minimum of RM36000 a year, you can apply for the card. The minimum age for supplementary card holder is 18 years old.

Bank Rakyat TISB Credit Card is available for both employed and self-employed Malaysians. Expatriates are welcome to apply for the card too. The application process will take about 7 to 14 working days from the submission date of completed application form. Bank Rakyat will notify the application status via SMS.

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