Credit Card-i Bank Rakyat-Takaful IKLHAS

  • Annual Fee Waiver, FREE for life
  • Profit rate
  • No compounding element
  • Benevolence of RM 1,000
  • FREE Takaful coverage
  • Shariah concept Tawaruq Murabahah
  • Principal: 21 years old and above
  • Must be a Takaful IKHLAS Certificate holder
  • Supplementary: 18 years old and above
  • Minimum annual income: RM 24,000
  • Photocopy of NRIC / Passport
  •  Salary-employed:
    • Copy of latest 3 months pay slip and / or
    • Copy of latest EA form and EPF statement
  • Self employed:
    • Photocopy of business registration, and
    • Latest 6 months bank's statement, and
    • B Form, and
    • Tax payment receipt or any other supporting document
  • Non Malaysian Citizen:
    • Copy of Bank Rakyat's Savings-i Account
    • Copy of contract confirmation letter from employer
Withdrawal Service Charges


Amount for every transaction

Additional fee

Bank Rakyat’s ATM or over-the-counter

Up to RM 660

RM 21.20

More than RM 660

3% for every cash withdrawal amount

Other banks’ ATM or over-the-counter

Up to RM 400

RM 21.20

More than RM 400

5% for every withdrawal amount

Copy of Card Monthly Statement Request

RM 5.30 will be charged for each copy of Card Monthly Statement requested

Sales Draft Request

RM 5.30 for each photocopy of the Sales Draft requested

RM 15.90 for each copy of the Sales Draft requested

Card Replacement Charges

RM 50 each replacement of card requested

  • Notes: All fees and charges are inclusive 6% GST, if any.
  • Cash
  • Cheque
  • Interbank GIRO (IBG)
  • Online Banking
  • ATM
  • Instant Transfer (IBFT)
  • Auto Debit