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Bank Rakyat · Mastercard · Miles

Bank Rakyat PDRM Platinum By invitation

Earns
Up to 0.1 Rakyat Rewards per RM All spending
Lounge
Not stated
Applications
By invitation
Annual fee
Free for life 0% overseas fee, lower than most
See it on Bank Rakyat's site

Good for

  • No annual fee, and no Bank Rakyat mark-up on spend abroad.
  • Lower cash withdrawal fee at Bank Rakyat: 1.5%, at least RM15.
  • Rakyat Rewards are worth RM0.01 each as cash, or 5,500 points for 1,000 Enrich points.
  • Free group family takaful cover that pays off the card balance, plus RM1,000 khairat kematian.

Watch out

  • Only for police officers from Probationary Inspector up.
  • Earns only 1 point per RM10, worth 0.1%.

What it earns

Rakyat Rewards, per RM spent, and the miles they make in Enrich.

SpendingEarnsDetails
All spending0.1 points per RM 0.02 miles per RM.
Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload and moreNothing 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.

Points and transfers

Cash
100 points for RM1 Redeemed in blocks of 100 points.
Enrich
5,500 points for 1,000 miles Moved in blocks of 5,500 points.

Travel

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

Fees and charges

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
1.5% at Bank Rakyat, at least RM15. 5% at other banks, at least RM20 Plus 18% a year profit charged daily from the day you take it out.
Replacement card
RM50

Who can apply

Income
By invitation
Who
Royal Malaysia Police officers, Probationary Inspector and above
Age
21 or older Extra cardholders from 18.
Documents
  • MyKad copy (front and back) or passport, for the main and supplementary applicants
  • Your latest payslip

Other perks

Card network
Mastercard

Where this comes from