Bank Rakyat Credit Cards
Last updated 30 June 2026 · Reviewed by Raymond, Rates.my
Bank Rakyat credit cards overview
Bank Rakyat offers 2 credit cards listed here, spanning rewards points and cashback & points. 2 of them are free-for-life with no annual fee. Entry-level eligibility starts from a minimum income of RM36,000 a year. The headline pick is the Bank Rakyat Gold Credit Card-i — free-for-life islamic gold with zero overseas fx fee. Compare every Bank Rakyat card below by reward type, annual fee and income requirement, then read full reviews before you apply.
All Bank Rakyat credit cards
Free-for-life Islamic Gold with zero overseas FX fee
5% air/hotel cashback + free lounge access (Islamic)
How to apply for a Bank Rakyat credit card
Apply online via the Bank Rakyatwebsite or banking app, or at any branch. You'll generally need to be at least 21 (supplementary cards from 18), meet the card's minimum annual income of RM36,000 or more, and provide your MyKad (or passport for non-residents), your latest payslips or EA form, and recent bank statements or your BE form if self-employed. Approval and the final credit limit are at Bank Rakyat's discretion. Not financial advice.
Bank Rakyat credit cards FAQ
Our top Bank Rakyat pick is the Bank Rakyat Gold Credit Card-i — free-for-life islamic gold with zero overseas fx fee. The best card for you depends on where you spend: compare the cashback, rewards and fees in the list above against your own habits.
2 cards are free-for-life: Bank Rakyat Gold Credit Card-i, Bank Rakyat Platinum Explorer Card-i. Always confirm the latest fee terms with Bank Rakyat, as waiver conditions can change.
Entry-level Bank Rakyat cards start from a minimum annual income of about RM36,000 (roughly RM3,000/month). Premium cards require more — each card's exact requirement is shown above.
Yes — Bank Rakyat offers 2 Shariah-compliant cards (Bank Rakyat Gold Credit Card-i, Bank Rakyat Platinum Explorer Card-i), which use a profit/fee structure instead of conventional interest (riba).
Apply online at the Bank Rakyat website or app, or at a branch. You'll typically need to be at least 21, meet the card's minimum income, and provide your MyKad (or passport), latest payslips or EA form, and recent bank statements or BE form if self-employed.
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; the bank's name and card names/logos belong to their respective owners. Spotted an error, or need a correction or takedown? Contact Raymond at raymond@rates.my.