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
  • 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

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 an 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