Bank Rakyat · Mastercard · Cashback + Miles

Bank Rakyat Muslimah

Good for

5% cash back on dining and utility bills, up to RM20 a month. Higher incomes add pharmacies (RM30 a month) and spas (RM50 a month).
5 points per RM10 at EV charging and other selected sustainability merchants.
No annual fee, and no Bank Rakyat mark-up on spend abroad.
Free group family takaful cover that pays off the card balance, plus RM1,000 khairat kematian.

Cash back and Rakyat Rewards. The points rows show the miles those points make in Enrich.

Spending	Earns	Details
EV charging	0.5 points per RM	0.09 miles per RM.
Everything else	0.1 points per RM	0.02 miles per RM.
Dining and Utilities in ringgit	5%	Up to RM20 back a month.
Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload and more	Nothing	Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

How it's paid: Onto your card account Main and supplementary card spend share one cap. No points on a transaction that earns cash back.
Which month counts: The calendar month From the 1st to the last day of the month.
When you lose it: Fraud, misuse, or an unauthorised, returned, disputed or cancelled transaction Bank Rakyat may take back cash back already credited.

Overseas spending fee: 0% No Bank Rakyat mark-up. Mastercard's own rate applies.

What it costs if you don't pay in full, or use it for cash.

Annual fee: Free for life No spending needed to keep it free.
Extra (supplementary) cards: No annual fee RM150 listed, waived without condition.
Service tax: RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest: 13%, 13.5%, 15.5%, 17% or 18% a year Islamic profit rate, set by your payment record and whether you are a Bank Rakyat share member. Retail spend has no profit for 20 days from the transaction date when you pay in full by the due date. None if you pay the full balance by the due date.
Minimum monthly payment: 5% of the balance, or RM50 Whichever is higher, plus any instalments.
Late payment: 1% of the balance, RM10 to RM100 A compensation charge (ta'widh) when no payment arrives by the 4th day after the due date, or the payment is under 5% of the minimum payment.
Cash withdrawal: 3% at Bank Rakyat, 5% at other banks, at least RM20 Plus 8% service tax on the fee, and 18% a year profit charged daily from the day you take it out.
Replacement card: RM50