Credit Card-i Classic

  • No compounding element
  • Shariah concept Murabahah
  • Zero mark-up rate on all overseas transaction
  • FREE Takaful coverage
  • FREE annual fee for life
  • Benevolence of RM 1,000
  • Profit rate as low as 13.5% p.a.
  • Enjoy great discounts and privileges from MasterCard
  • Enjoy great discounts under MOTO programme
  • Accepted for Zakat payment
  • Free from profit charges 20 days from date of transaction
  • Convert Rakyat Rewards into cash RM 100 = 10 points = RM 0.10
  • Principal: 21 years old and above
  • Supplementary: 18 years old and above
  • Minimum annual income: RM 36,000 and above

Copy of MyKad / Passport (for Principle cardholder / Supplementary cardholder) together with documents:


Copy of 3 months latest payslip AND / OR Copy of EA form and latest EPF slip

Self employed:

Copy of business registration

Latest 3 months Bank's Statement

B Form or any supporting documents

Non Malaysian Citizen:

Copy of Bank Rakyat 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 every request for a copy of Card Monthly Statement


Sales Draft Request

RM 5.30 for every request for a photocopy of the Sales Draft

RM 15.90 for every request for a original copy of the Sales Draft


Card Replacement Charges

RM 50 for every replacement of card

  • Cash
  • Cheque
  • Interbank GIRO (IBG)
  • Online Banking
  • ATM
  • Instant Transfer (IBFT)
  • Auto Debit