Bank Rakyat Gold Credit Card-i
Free-for-life Islamic Gold with zero overseas FX fee
Apply for Bank Rakyat Gold Credit Card-i →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
Bank Rakyat Bank Rakyat Gold Credit Card-i overview
The Bank Rakyat Bank Rakyat Gold Credit Card-i is a Gold-tier Mastercard points card built around rewards points. Free-for-life Islamic Gold with zero overseas FX fee. It best suits middle-income earners, with a minimum income requirement of RM36,000 a year. It carries no annual fee. Standout perks include complimentary travel insurance, a Shariah-compliant structure.
Features & benefits
- ✓Free for life — no annual fee
- ✓Zero currency exchange fee on overseas spend
- ✓0% instalment plans + free family takaful
Is the Bank Rakyat Gold Credit Card-i worth it?
The Bank Rakyat Gold Credit Card-i is best suited to middle-income earners — its minimum income requirement is RM36,000 a year (about RM3,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Free for life — no annual fee
- +Complimentary travel insurance
- +Shariah-compliant — no conventional interest (riba)
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
How much could you earn?
At 0.1 points per RM1, around RM2,000 of monthly spending earns about 200 points a month — redeemable for vouchers, gifts or air miles depending on the programme. This is illustrative; redemption value varies.
Eligibility & how to apply
Requirements are general guidance — Bank Rakyat sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
Before you apply, read Bank Rakyat's official terms & Product Disclosure Sheet — the cashback caps, category exclusions and fees are all set out there.
📄 Official Bank Rakyat Gold Credit Card-iterms & product disclosure →Bank Rakyat Gold Credit Card-i FAQ
You need a minimum annual income of RM36,000 (about RM3,000 a month). Bank Rakyat also considers your overall credit standing.
No — the Bank Rakyat Gold Credit Card-i is free for life with no annual fee.
It earns 0.1 reward points per RM1 spent. Free-for-life Islamic Gold with zero overseas FX fee.
Yes — it is a Shariah-compliant card-i, which avoids conventional interest (riba) and instead uses a Shariah-approved fee structure.
It's a good fit for middle-income earners who want rewards points — its main draw is "Free-for-life Islamic Gold with zero overseas FX fee". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the Bank Rakyat Gold Credit Card-i compares
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Rates, fees and promotions are indicative and time-limited — always confirm current terms with Bank Rakyat before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by Bank Rakyat; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.