Bank Rakyat · Mastercard · Miles

Bank Rakyat Perodua

Good for

5 points per RM10, worth 0.5%, on petrol, takaful, car servicing and EV charging.
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.

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

Spending	Earns	Details
Petrol, Insurance and EV charging in ringgit	0.5 points per RM	0.09 miles per RM.
Everything else	0.1 points per RM	0.02 miles per RM.
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.

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