Credit Card-i Gold

  • No compounding element
  • 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
  • Shariah concept Murabahah
  • 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 payment slip AND / OR
  • Copy of EA and latest EPF slip

Self employed:

  • Copy of company registration AND
  • Latest 3 months payment slip AND
  • B Form or any supporting documents

Non Malaysian Citizen:

  • Copy of Savings-i Account
  • Copy of confirmation letter from employer contract
Annual Fees*
Principal Card RM 150.00 Supplementary Card RM 80.00 Annual Fee is WAIVED
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 original copy of the Sales Draft requested
Card Replacement Charges
RM 50 for every replacement of card
  • Notes: All fees and charges are inclusive of 6% GST, if any.
  • Cash
  • Cheque
  • Interbank GIRO (IBG)
  • Online Banking
  • ATM
  • Instant Transfer (IBFT)
  • Auto Debit