BANK RAKYAT CREDIT CARD

Kad kredit i-Bank Rakyat kini menjadi sebutan orang ramai. Kenapa?

Ketahui keistimewaannya :

1. PERCUMA ! TIADA YURAN TAHUNAN (TANPA SEBARANG SYARAT)

2. TIADA RIBA (LEBIHAN / INTEREST)

3. PERCUMA PELAN PERLINDUNGAN TAKAFUL KELUARGA & SUMBANGAN KHAIRIAT

4. WARIS TIDAK PERLU MENANGGUNG BEBAN HUTANG PEMEGANG KAD SEKIRANYA BERLAKU
HILANG UPAYA ATAU KEMATIAN KE ATAS PEMEGANG KAD.PELAN INI DIREKA KHAS UNTUK
KAD BANK RAKYAT DAN TIADA PEMERIKSAAN KESIHATAN DIPERLUKAN UNTUK
PERLINDUNGAN INI.
5. KHAIRAT KEMATIAN SERTA MERTA RM1000.00

6. TIADA CAJ KEUNTUNGAN BERGANDA YANG DIKENAKAN.
-PEMEGANG KAD BANK RAKYAT TIDAK AKAN DIKENAKAN CAJ KEUNTUNGAN BERGANDA
SEPERTI KAD KAD KONVENSIONAL YANG LAIN.INI BERERTI PEMEGANG KAD BANK
RAKYAT AKANH MENIKMATI PENJIMATAN KEUNTUNGAN SEBANYAK 1.6% SETAHUN.

7. YURAN PENGELUARAN YANG RENDAH
CAJ RM30 UNTUK PENGELUARAN RM1000 ATAU SEBAHAGIAN DARIPADANYA.

8. MATA UMRAH / PERCUTIAN.
-MATA GANJARAN AKAN DIBERIKAN UNTUK SETIAP RM10 PENGGUNAAN.MATA TERSEBUT
AKAN DITUKARKAN KEPADA TUNAI DAN AKAN DIGABUNGKAN BERSAMA TABUNG UMRAH /
PERCUTIAN / CASH.

9. KEMUDAHAN PEMBAYARAN ZAKAT
PEMEGANG KAD BOLEH MEMBAYAR ZAKAT MELALUI ARAHAN PEMBAYARAN TETAP DENGAN
-MENGGUNAKAN TEKNOLOGI CIP TERKINI.

11. PERKHIDMATAN PELANGGAN 24 JAM.

12. KETENANGAN EKONOMI DAN FIKIRAN BERSAMA KAMI
*MUZAKARRAH MAJLIS FATWA KEBANGSAAN MEMPERAKUI KAD BANK RAKYAT BERLANDASKAN
SYARAK 100% HALAL DAN HARAM BUKAN HANYA PADA MAKANAN.

*TERTAKLUK KEPADA TERMA DAN SYARAT


* SILA SERTAKAN DOKUMEN YANG BERIKUT :


* DOKUMEN YANG DIPERLUKAN (UNTUK KAKITANGAN KERAJAAN)
* PHOTOSTAT IC DEPAN BELAKANG
* PAYSLIP TERKINI
* DOKUMEN YANG DIPERLUKAN (UNTUK SWASTA)
* PHOTOSTAT IC DEPAN BELAKANG,2 BULAN PAYSLIP
* 3 BULAN STATEMENT BANK TERKINI
* EA FORM ATAU STATEMENT EPF
* KAD KREDIT LAMA (JIKADA)
* DOKUMEN YANG DIPERLUKAN (UNTUK PENIAGA)
* PHOTOSTAT IC,3 BULAN BANK STATEMENT,EA FORM,SSM
* KAD KREDIT LAMA (JIKA ADA)




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Syariah Concept

Tawarruq

Applicant's Requirement

Applicant's Age: 21 years old and above for Principal Cardholders 18 years old and abobe for Supplementary Cardholders

Minimum Annual Income Card Type Gross Income Per Annum (RM) Gold Card 36,000 Classic Card 18,000

Documents Required Photocopy of NRIC (front and Back)/Passport (for Principal/Supplementary Applicant's)

Salary Employed Copy of latest pay slip and/or Copy of latest EA form and EPF statement and/or Copy of other bank's credit card

Self employed Photocopy of business registration and Latest 3 months bank's statement and Form B or any other supporting document and/or Copy of other bank's credit card

Expatriate Copy of Bank Rakyat's Saving Account Copy of contract confirmation letter from employer

Salient Features of Bank Rakyat Credit Card-i WAIVED Annual Fee No compounding element Free group Family Takaful Coverage and 'Khairat Kematian' Umrah Point/Holiday Point Profit Rebate ('Tabung Umrah'/Holiday) Zakat Payment Fees and Charges Annual Fees Waived Cash Withdrawal fee A fee of 3% or RM30 whichever is higher will be charged for every cash withdrawal made at Bank Rakyat's ATM however a fee of 3% or RM50, whichever is higher is charged for every cash withdrawal made at other bank's ATM. Minimum monthly repayment 5% from the total outstanding balance as at the statement date of the Monthly Card Statement or RM50, whichever is higher. Repayment Method Cash payment at Bank Rakyat's Cash Deposit Terminal or branch counters. Cheque payment made payable to "Bank Rakyat for (your name)". Please include your credit card and contact number at the back of the cheque. Internet Banking. Payment and credit card information at www.irakyat.com.my. Interbank Giro. Standing Instruction through fixed monthly deductions from Bank Rakyat's Savings Account. Compensation handling fee Compensation handling fee of 1% from the total outstanding balance or RM10 whichever is higher if no payment made after the due date or payment made less than the stated minimum payment 5%. Grace Period 20 days from the posting date of the retail transaction into the Monthly Card Statement Conversion for overseas transaction Transaction made outside Malaysia will be converted to US Dollar, which is determined by Master Card International on the date the transaction received and/or processes by the Bank. The value of US Dollar is then converted to Ringgit Malaysia. The exchange rates may vary according to market fluctuations and the amount converted will be subjected to exchange rate of the processing time.