Muslimah Card

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Cards

Muslimah Card


The Muslimah Card is the latest Credit Card-i issued by Bank Rakyat specifically for women. It is the one and only shariah-compliant Credit Card-i for women in Malaysia.

Shariah Concept

The financing facilities are under the principle of Shariah Murabahah (by adopting Tawarruq practice) 

Privileges

  1. 1. Main Features 

  • 5% cashback for selected category based on cardholder’s annual income as outlined below: 

 

Items 

Descriptions 

Total cashback 

5% cashback  

Annual Income  

<RM60,000 

RM60,000-RM120,000 

>RM120,000 

Cashback segment and Merchant Category Code (MCC) 

 

5% cashback for transactions: 

  • Dining 

MCC: 5812 and 5814 

  • Utilities  

MCC: 4900 

5% cashback for transactions: 

  • Dining 

MCC: 5812 and 5814 

  • Utilities 

    MCC: 4900 

  • Pharmacies  

    MCC: 5912 

 

5% cashback for transactions: 

  • Dining 

      MCC: 5812 and 5814 

  • Utilities 

      MCC: 4900 

  • Pharmacies 

      MCC: 5912 

  • Health and beauty spa 

      MCC: 7298 

The cashback will be counted on the nationwide transactions only. 

Capped Amount 

RM240 per annum or RM20 per month 

RM360 per annum or RM30 per month 

RM600 per annum or RM50 per month 

 

  1. 2. Additional Features: 

 

    • No Annual Fees. 
    • Free Group Family Takaful Coverage and Benevolence worth RM1,000. 
    • Zero mark-up rate for overseas transactions. 
    • 0% Instalment Plan for minimum purchase of RM1,000. 
    • Discounts and promotions at selected merchants 

 

  1. 3. Profit rate under Credit Card-i Tiered Pricing: 


Tier 

Criteria 

Yearly Profit Rate 

Tier 1:?Minimum payment received before or on the Due Date for 9 months consecutively. 

Non-Bank Rakyat Share Member 

13.5 % 

Bank Rakyat Share Member 

13.0 % 

Tier 2:?Minimum payment received before or on the Due Date for 6 months or more within 9 months period. 

Non-Bank Rakyat Share Member 

17 % 

Bank Rakyat Share Member 

15.5 % 

Tier 3:?Does not meet the above conditions for Tier 1 and Tier 2. 

Non-Bank Rakyat Share Member 

18 % 

Bank Rakyat Share Member 

17% 
 

 

  1. 4. Rakyat Rewards 

  • One (1) point is given to cardholder for every RM10 spent at any other retail purchases.  The point would then be converted to cash at the rate of RM0.10 per 10 points. 

  • All Rakyat Rewards validity period is confined to 3 years. The rewards earned by cardholders on any date of any month are valid until the end of the same month, for the next 3 years. 

 

  1. 5. Rakyat Rebate 

 

The rebate schedule as per below: 

 

Items 

Year 1 

Year 2 

Year 3 

Auto debit facility 

0.5% 

0.5% 

0.5% 

Good paymaster 

1.0% 

1.0% 

1.5% 

Other financing facilities at Bank Rakyat 

0.5% 

1.0% 

1.0% 

Total Rebate (Rakyat Rebate) 

2.0% 

2.5% 

3.0% 

 

Profit rebate earned from Rakyat Rebate will be offset against principal outstanding balance on statement date. 

 

  1. 6. The existing Bank Rakyat Muslimah Credit Card-i cardholders may update latest annual income via link: https://forms.office.com/r/YmHSaKqrVh 


Eligibility

  1. 1. Principal: Minimum 21 years old

  1. 2. Supplementary: Minimum 18 years old

  1. 3. Annual Income: Minimum RM24,000 


How To Apply

Documents required :

  • Copy of Identity Card (Front and Back) / Passport (For Principal / Supplementary Applicant’s) AND :

Government Servants :

  • Copy of latest pay slip

Private Sector Employees :

  • Copy of latest pay slip AND
  • EA Form / EPF statement (latest 6 months transactions)

 Monthly Salary with Commission Base :

  • Copy of latest pay slip AND
  • EA Form / EPF statement (latest 6 months transactions) OR
  • Copy of latest commission statement (6 months record)

 NO Basic Pay, solely on Commission Base :

  • Copy of latest commission statement (12 months record)

 Self Employed :

  • Copy ofBusiness Registration AND
  • Copy of latest 6 months bank’s statement AND
  • Copy of latest Form B AND
  • Copy of Tax Payment Receipt

 Expatriate :

  • Copy of Bank Rakyat Saving Account-i AND
  • Copy of contract confirmation letter from employer

Pensioner ::

  • Copy of pension statement (latest 12 months transactions) AND
  • Copy of 3 months Bank statement (showing the crediting of pension amount into the account)

Terms and Conditions Credit Card-i 


Product Disclosure Sheet Credit Card-i 


Terms and Conditions 5% Cashback Muslimah Credit Card-i


Frequently Asked Questions 5% Cashback Muslimah Credit Card-i


Click here for application form/application via online: Credit Card via online

Auto Debit Form

FAQ

i) How do I been notified regarding the status of my application?

Application status will be notified via SMS.

 ii) How many additional cards can I apply?

The Principal Cardholder may have up to 5 Supplementary Cardholders.

 iii) What is the financing limit offered to Muslimah cardholders?

Financing limit for Muslimah card starts from RM3,000 and above.

 iv) How do I apply for additional cards?

Principal cardholder only need to fill up supplementary info at the section of ‘Supplementary Card Request’ in the Bank Rakyat Credit Card-i application form. The required documents are a copy of Identity Card for Principal and Supplementary cardholders.

 v) I am a Supplementary cardholder, however, I wish to apply as a Principal cardholder. Can I do so?

YES. The application procedure is similar as a new application.

 vi) What is the number that I need to contact for any enquiries?

For any enquiries or card activation, please contact 03-2693 6880

For lost or stolen, please IMMEDIATELY call 03-2692 4600


For any enquiries, please visit the nearest branch or call our Contact Centre tele-Rakyat at 1-300-80-5454.

*Terms and conditions apply.

Terms and Conditions Credit Card-i

Product Disclosure Sheet Credit Card-i

Sustainability Credit Card - Terms & Conditions

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