UNTUK KEGUNAAN BANK / FOR BANK’S USEPermohona… · HARGA JUALAN / SELLING PRICE: JUMLAH...
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NOTA/ NOTE: KADAR KEUNTUNGAN SILING / CEILING PROFIT RATE : 18% SETAHUN / 18% PER YEAR TEMPOH KONTRAK / CONTRACT PERIOD : 3 TAHUN / 3 YEARS JUMLAH KEUNTUNGAN MAKSIMA / TOTAL MAXIMUM PROFIT : HARGA BELIAN x KADAR KEUNTUNGAN SILING x TEMPOH KONTRAK / BUYING PRICE X CEILING PROFIT RATE X CONTRACT PERIOD HARGA BELIAN (HAD PEMBIAYAAN) / BUYING PRICE (FINANCING LIMIT) : HAD PEMBIAYAAN KAD KREDIT-i / CREDIT CARD-i FINANCING LIMIT HARGA JUALAN / SELLING PRICE : JUMLAH KEUNTUNGAN + HARGA BELIAN / PROFIT MARGIN + BUYING PRICE Makluman / Notification: Bank Rakyat mempunyai hak mutlak untuk melulus dan menolak permohonan kad kredit-i pemohon./ Bank Rakyat has the sole discretion to approve or reject any credit card-i application. Had pembiayaan yang dipohon bukanlah had pembiayaan sebenar yang akan diluluskan. Kelulusan had pembiayaan adalah tertakluk kepada syarat-syarat kelulusan yang telah ditetapkan oleh Bank Rakyat. / The total financing limit applied will not necessarily be the actual financing limit approved by the Bank. The approval of the financing limit is subject to the approval requirements imposed by Bank Rakyat. Status kelulusan berserta Harga Belian dan Jualan akan dimaklumkan sama ada melalui surat ataupun sistem pesanan ringkas (SMS) / The status of the application and the Selling and Buying Price will be duly informed by mail or short messaging services (SMS). Pemohon perlu menyatakan persetujuan penerimaan Had Pembiayaan yang diluluskan oleh Bank dalam tempoh masa 24 jam dari tarikh surat/ masa SMS diterima. Pemohon dianggap bersetuju untuk menerima Had Pembiayaan tersebut sekiranya tiada maklumbalas diterima selepas tamat tempoh 24 jam. / The applicant needs to confirm acceptance of the Financing Limit approved by the Bank within 24 hours from the date/ time of the letter/ SMS received. The applicant is deemed to have agreed to accept the Financing Limit, if no response is received after the expiry of 24 hours. JADUAL HARGA BELIAN & HARGA JUALAN KOMODITI BAGI KAD KREDIT-i / THE CREDIT CARD-i COMMODITY BUYING & SELLING PRICE SCHEDULE JUMLAH KEUNTUNGAN MAKSIMA / TOTAL MAXIMUM PROFIT(RM) 1,620 2,160 2,700 3,240 3,780 4,320 4,860 5,400 5,940 6,480 7,020 7,560 8,100 8,640 9,180 9,720 10,260 10,800 11,340 11,880 12,420 12,960 13,500 14,040 14,580 15,120 15,660 16,200 HARGA JUALAN / SELLING PRICE (RM) 4,620 6,160 7,700 9,240 10,780 12,320 13,860 15,400 16,940 18,480 20,020 21,560 23,100 24,640 26,180 27,720 29,260 30,800 32,340 33,880 35,420 36,960 38,500 40,040 41,580 43,120 44,660 46,200 18% SETAHUN / 18% PER YEAR HARGA BELIAN (HAD PEMBIAYAAN) / BUYING PRICE (FINANCING LIMIT) (RM) 3,000 4,000 5,000 6,000 7,000 8,000 9,000 10,000 11,000 12,000 13,000 14,000 15,000 16,000 17,000 18,000 19,000 20,000 21,000 22,000 23,000 24,000 25,000 26,000 27,000 28,000 29,000 30,000 JUMLAH KEUNTUNGAN MAKSIMA / TOTAL MAXIMUM PROFIT(RM) 21,600 27,000 32,400 37,800 43,200 48,600 59,400 64,800 70,200 75,600 81,000 86,400 91,800 97,200 102,600 108,000 113,400 118,800 124,200 129,600 135,000 140,400 145,800 151,200 156,600 162,000 HARGA JUALAN / SELLING PRICE (RM) 61,600 77,000 92,400 107,800 123,200 138,600 169,400 184,800 200,200 215,600 231,000 246,400 261,800 277,200 292,600 308,000 323,400 338,800 354,200 369,600 385,000 400,400 415,800 431,200 446,600 462,000 18% SETAHUN / 18% PER YEAR HARGA BELIAN (HAD PEMBIAYAAN) / BUYING PRICE (FINANCING LIMIT) (RM) 40,000 50,000 60,000 70,000 80,000 90,000 110,000 120,000 130,000 140,000 150,000 160,000 170,000 180,000 190,000 200,000 210,000 220,000 230,000 240,000 250,000 260,000 270,000 280,000 290,000 300,000 Nama Pencadang: I/C: Nombor Kad Kredit Pencadang/ Proposer Credit Card Number 5 UNTUK KEGUNAAN BANK / FOR BANK’S USE Bayaran Minima Bulanan/ Minimum Monthly Payment Caj Ganti Rugi (Ta’widh) kerana Bayaran Lewat/ Compensation Charge (Ta’widh) for Late Payment Tempoh Bebas (Caj Keuntungan)/ Grace Period (Profit Charges) Permintaan Salinan Penyata Bulanan Kad/ Copy of Card Monthly Statement Request Permintaan Deraf Jualan/ Sales Draft Request Caj Penggantian Kad/ Card Replacement Charges Pertukaran Urusniaga Luar Negara/ Overseas Transaction Conversion Peruntukan Pembayaran/ Payment Allocation 5% daripada jumlah baki yang masih belum dijelaskan pada tarikh pemprosesan Penyata Bulanan Kad, atau RM50 yang mana lebih tinggi/ 5% from the total outstanding balance as at the statement date of the Card Monthly Statement or RM50, whichever is higher. 1% daripada jumlah baki belum jelas atau minima RM10 dan maksima RM100, yang mana lebih rendah sekiranya tiada bayaran diterima pada hari ke-4 selepas tarikh akhir pembayaran atau bayaran yang dibuat adalah kurang daripada 5% bayaran minima yang ditetapkan/ 1% of the total outstanding balance or minimum of RM10 and maximum of RM100, whichever is lower if no payment received on the 4th day after the due date or payment made is less than the stated minimum payment of 5% 20 hari dari tarikh urusniaga pembelian runcit diposkan ke dalam Penyata Bulanan Kad/ 20 days from the posting date of the retail transactions into the Card Monthly Statement. RM5.30 akan dikenakan untuk setiap permintaan ke atas salinan Penyata Bulanan Kad/ RM5.30 will be charged for every request for a copy of Card Monthly Statement. RM5.30 untuk setiap permintaan ke atas salinan deraf jualan/ RM5.30 for every request for a photocopy of the Sales Draft. RM15.90 untuk setiap permintaan ke atas salinan asal deraf jualan/ RM15.90 for every request for the original copy of the Sales Draft. RM50 untuk setiap penggantian Kad Kredit-i Bank Rakyat yang dilakukan/ RM50 for every replacement of Bank Rakyat Credit Card-i. Transaksi yang dilakukan di luar Malaysia akan ditukarkan nilainya kepada Dollar Amerika Syarikat melalui MasterCard International semasa tarikh penerimaan transaksi dan/ atau pemprosesan oleh Bank. Nilai Dollar ini kemudiannya ditukarkan kepada Ringgit Malaysia. Kadar pertukaran mungkin berbeza mengikut perubahan pasaran dan jumlah yang ditukarkan itu tertakluk kepada kadar pertukaran semasa pemprosesan transaksi dilakukan/ Transactions made outside Malaysia will be converted to US Dollar, which is determined by MasterCard International on the date the transaction received and/ or processed 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 the exchange rate of the transaction processing time. Bayaran kad kredit yang diterima daripada pemegang kad akan diperuntukkan untuk menyelesaikan baki belum jelas berdasarkan baki dengan kadar keuntungan yang lebih tinggi dahulu/ Credit card payments received from the cardholder will be allocated to settle the outstanding balance attracting the highest profit rate first. Yuran Tahunan/ Annual Fees Caj Keuntungan di Bawah Struktur Kadar Keuntungan Berperingkat/ Profit Charges Under the Tiered Pricing Structure Bayaran Perkhidmatan Pengeluaran Tunai/ Cash Withdrawal Service Fee Nota/ Note: Caj yang dinyatakan dalam % tidak termasuk 6% GST/ Charges in % is not inclusive of 6% GST. Platinum RM411.28 (Kad Utama/ Principal Card) RM159.00 (Kad Tambahan/ Supplementary Card) DIKECUALIKAN pada tahun pertama/ WAIVED for the first year. Tahun kedua dan seterusnya DIKECUALIKAN dengan bersyarat/ Second and subsequent years will be WAIVED with conditions. Syarat pengecualian/ Waiver condition: Sekurang-kurangnya sekali penggunaan kad dalam setahun/ At least one card usage for the year. Emas/ Gold - DIKECUALIKAN/ WAIVED RM150 (Kad Utama/ Principal Card) RM80 (Kad Tambahan/ Supplementary Card) Klasik/ Classic – DIKECUALIKAN/ WAIVED RM60 (Kad Utama/ Principal Card) RM30 (Kad Tambahan/ Supplementary Card) Saluran/ Channel ATM atau kaunter Bank Rakyat/ Bank Rakyat’s ATM or counter ATM atau kaunter bank-bank lain/ Other banks’ ATM or counter Bayaran perkhidmatan pengeluaran tunai/ Cash withdrawal service fee RM21.20 3% atas jumlah pengeluaran tunai/ for every cash withdrawal amount RM21.20 5% atas jumlah pengeluaran tunai/ for every cash withdrawal amount Jumlah setiap pengeluaran tunai/ Every cash withdrawal amount Sehingga/ up to RM660 Melebihi/ more than RM660 Sehingga/ up to RM400 Melebihi/ more than RM400 Peringkat / Tier Tier 1 Bayaran minima diterima sebelum atau pada Tarikh Akhir Bayaran untuk 9 bulan berturut-turut / Minimum payment received before or on the Due Date for 9 months consecutively. Tier 2 Bayaran minima diterima sebelum atau pada Tarikh Akhir Bayaran untuk 6 bulan atau lebih dalam tempoh 9 bulan / Minimum payment received before or on the Due Date for 6 months or more within 9 months period. Tier 3 Tidak memenuhi syarat-syarat Tier 1 dan Tier 2 di atas / Does not meet the above conditions for Tier 1 and Tier 2. Kadar Keuntungan Setahun / Yearly Proft Rate 13.5% 13.0% 17% 15.5% 18% 17% Kriteria / Criteria Bukan Ahli Anggota Saham Bank Rakyat / Non-Bank Rakyat Share Member Ahli Anggota Saham Bank Rakyat / Bank Rakyat Share Member Bukan Ahli Anggota Saham Bank Rakyat / Non-Bank Rakyat Share Member Ahli Anggota Saham Bank Rakyat / Bank Rakyat Share Member Bukan Ahli Anggota Saham Bank Rakyat / Non-Bank Rakyat Share Member Ahli Anggota Saham Bank Rakyat / Bank Rakyat Share Member Nota/ Note: Kadar keuntungan berperingkat ini tidak ditawarkan kepada wargakerja Bank Rakyat/ The tiered pricing is not applicable for Bank Rakyat staff. Pengeluaran tunai melalui ATM atau kaunter Bank Rakyat akan dikenakan bayaran perkhidmatan sebanyak 3% atau RM21.20 yang mana lebih tinggi manakala bagi pengeluaran tunai yang dibuat di ATM atau kaunter bank-bank lain, bayaran perkhidmatan sebanyak 5% akan dikenakan ke atas jumlah pengeluaran tunai, atau RM21.20 yang mana lebih tinggi. Jadual bayaran perkhidmatan pengeluaran tunai adalah seperti berikut/ A service fee of 3% or RM21.20 whichever is higher will be charged for every cash withdrawal made at Bank Rakyat’s ATM or counter however a service fee of 5% or RM21.20, whichever is higher is charged for every cash withdrawal made at other bank’s ATM or counter. The cash withdrawal service fee schedule is as follows: FI DAN CAJ/ FEES AND CHARGES Nota/ Note: Charges are inclusive of 6% GST, if any. Maximum age for Takaful Coverage is 65 years old. Maximum amount for Takaful Coverage is up to RM 200,000 05/16
Transcript of UNTUK KEGUNAAN BANK / FOR BANK’S USEPermohona… · HARGA JUALAN / SELLING PRICE: JUMLAH...
NOTA/ NOTE:KADAR KEUNTUNGAN SILING / CEILING PROFIT RATE : 18% SETAHUN / 18% PER YEARTEMPOH KONTRAK / CONTRACT PERIOD : 3 TAHUN / 3 YEARSJUMLAH KEUNTUNGAN MAKSIMA / TOTAL MAXIMUM PROFIT : HARGA BELIAN x KADAR KEUNTUNGAN SILING x TEMPOH KONTRAK / BUYING PRICE X CEILING PROFIT RATE X
CONTRACT PERIODHARGA BELIAN (HAD PEMBIAYAAN) / BUYING PRICE (FINANCING LIMIT) : HAD PEMBIAYAAN KAD KREDIT-i / CREDIT CARD-i FINANCING LIMITHARGA JUALAN / SELLING PRICE : JUMLAH KEUNTUNGAN + HARGA BELIAN / PROFIT MARGIN + BUYING PRICE
Makluman / Notification:Bank Rakyat mempunyai hak mutlak untuk melulus dan menolak permohonan kad kredit-i pemohon./ Bank Rakyat has the sole discretion to approve or reject any credit card-i application.
Had pembiayaan yang dipohon bukanlah had pembiayaan sebenar yang akan diluluskan. Kelulusan had pembiayaan adalah tertakluk kepada syarat-syarat kelulusan yang telah ditetapkan oleh Bank Rakyat. / The total financing limit applied will not necessarily be the actual financing limit approved by the Bank. The approval of the financing limit is subject to the approval requirements imposed by Bank Rakyat.
Status kelulusan berserta Harga Belian dan Jualan akan dimaklumkan sama ada melalui surat ataupun sistem pesanan ringkas (SMS) / The status of the application and the Selling and Buying Price will be duly informed by mail or short messaging services (SMS).
Pemohon perlu menyatakan persetujuan penerimaan Had Pembiayaan yang diluluskan oleh Bank dalam tempoh masa 24 jam dari tarikh surat/ masa SMS diterima. Pemohon dianggap bersetuju untuk menerima Had Pembiayaan tersebut sekiranya tiada maklumbalas diterima selepas tamat tempoh 24 jam. / The applicant needs to confirm acceptance of the Financing Limit approved by the Bank within 24 hours from the date/ time of the letter/ SMS received. The applicant is deemed to have agreed to accept the Financing Limit, if no response is received after the expiry of 24 hours.
JADUAL HARGA BELIAN & HARGA JUALAN KOMODITI BAGI KAD KREDIT-i / THE CREDIT CARD-i COMMODITY BUYING & SELLING PRICE SCHEDULE
JUMLAH
KEUNTUNGAN
MAKSIMA / TOTAL
MAXIMUM PROFIT(RM)
1,620
2,160
2,700
3,240
3,780
4,320
4,860
5,400
5,940
6,480
7,020
7,560
8,100
8,640
9,180
9,720
10,260
10,800
11,340
11,880
12,420
12,960
13,500
14,040
14,580
15,120
15,660
16,200
HARGA JUALAN /
SELLING PRICE
(RM)
4,620
6,160
7,700
9,240
10,780
12,320
13,860
15,400
16,940
18,480
20,020
21,560
23,100
24,640
26,180
27,720
29,260
30,800
32,340
33,880
35,420
36,960
38,500
40,040
41,580
43,120
44,660
46,200
18% SETAHUN /
18% PER YEAR
HARGA BELIAN (HAD PEMBIAYAAN) /
BUYING PRICE (FINANCING LIMIT) (RM)
3,000
4,000
5,000
6,000
7,000
8,000
9,000
10,000
11,000
12,000
13,000
14,000
15,000
16,000
17,000
18,000
19,000
20,000
21,000
22,000
23,000
24,000
25,000
26,000
27,000
28,000
29,000
30,000
JUMLAH
KEUNTUNGAN
MAKSIMA / TOTAL
MAXIMUM PROFIT(RM)
21,600
27,000
32,400
37,800
43,200
48,600
59,400
64,800
70,200
75,600
81,000
86,400
91,800
97,200
102,600
108,000
113,400
118,800
124,200
129,600
135,000
140,400
145,800
151,200
156,600
162,000
HARGA JUALAN /
SELLING PRICE
(RM)
61,600
77,000
92,400
107,800
123,200
138,600
169,400
184,800
200,200
215,600
231,000
246,400
261,800
277,200
292,600
308,000
323,400
338,800
354,200
369,600
385,000
400,400
415,800
431,200
446,600
462,000
18% SETAHUN /
18% PER YEAR
HARGA BELIAN (HAD PEMBIAYAAN) /
BUYING PRICE (FINANCING LIMIT) (RM)
40,000
50,000
60,000
70,000
80,000
90,000
110,000
120,000
130,000
140,000
150,000
160,000
170,000
180,000
190,000
200,000
210,000
220,000
230,000
240,000
250,000
260,000
270,000
280,000
290,000
300,000
Nama Pencadang:
I/C:
NomborKad Kredit Pencadang/Proposer Credit CardNumber
5
UNTUK KEGUNAAN BANK / FOR BANK’S USE
Baya
ran M
inim
a
Bula
nan/ M
inim
um
M
onth
ly Paym
ent
Caj G
anti R
ugi
(Ta’w
idh) ke
rana
Baya
ran L
ew
at/
Com
pensa
tion
Charg
e (Ta
’wid
h)
for L
ate
Paym
ent
Tem
poh B
ebas
(Caj K
euntu
ngan)/
Gra
ce P
erio
d
(Pro
fit C
harg
es)
Perm
inta
an
Salin
an P
enya
ta
Bula
nan K
ad/ C
opy
of C
ard
Month
ly S
tate
ment R
equest
Perm
inta
an D
era
f Ju
ala
n/ S
ale
s Dra
ft R
equest
Caj P
enggantia
n
Kad/ C
ard
R
epla
cem
ent
Charg
es
Pertu
kara
n
Uru
snia
ga L
uar
Negara
/ Ove
rseas
Transa
ction
Conve
rsion
Peru
ntu
kan
Pem
baya
ran/
Paym
ent
Allo
catio
n
5%
darip
ada ju
mlah
baki yan
g m
asih b
elum
dijelaskan
pad
a tarikh
pem
pro
sesan P
enyata B
ulan
an K
ad, atau
RM
50 yan
g m
ana leb
ih
tinggi/ 5
% fro
m th
e total o
utstan
din
g b
alance as at th
e statemen
t date o
f the C
ard M
onth
ly Statem
ent o
r RM
50, w
hich
ever is hig
her.
1%
darip
ada ju
mlah
baki b
elum
jelas atau m
inim
a RM
10 d
an
maksim
a RM
100, yan
g m
ana leb
ih ren
dah
sekiranya tiad
a bayaran
diterim
a pad
a hari ke-4
selepas tarikh
akhir p
embayaran
atau
bayaran
yang d
ibuat ad
alah ku
rang d
aripad
a 5%
bayaran
min
ima
yang d
itetapkan
/ 1%
of th
e total o
utstan
din
g b
alance o
r min
imum
of
RM
10 an
d m
aximum
of R
M100, w
hich
ever is low
er if no p
aymen
t received
on th
e 4th
day after th
e due d
ate or p
aymen
t mad
e is less th
an th
e stated m
inim
um
paym
ent o
f 5%
20 h
ari dari tarikh
uru
sniag
a pem
belian
runcit d
iposkan
ke dalam
P
enyata B
ulan
an K
ad/ 2
0 d
ays from
the p
ostin
g d
ate of th
e retail tran
sactions in
to th
e Card
Month
ly Statem
ent.
RM
5.3
0 akan
diken
akan u
ntu
k setiap p
ermin
taan ke atas salin
an
Pen
yata Bulan
an K
ad/ R
M5.3
0 w
ill be ch
arged
for every req
uest fo
r a co
py o
f Card
Month
ly Statem
ent.
RM
5.3
0 u
ntu
k setiap p
ermin
taan ke atas salin
an d
eraf jualan
/ R
M5.3
0 fo
r every request fo
r a photo
copy o
f the S
ales Draft.
RM
15.9
0 u
ntu
k setiap p
ermin
taan ke atas salin
an asal d
eraf jualan
/ R
M15.9
0 fo
r every request fo
r the o
rigin
al copy o
f the S
ales Draft.
RM
50 u
ntu
k setiap p
enggan
tian K
ad K
redit-i B
ank R
akyat yang
dilaku
kan/ R
M50 fo
r every replacem
ent o
f Ban
k Rakyat C
redit C
ard-i.
Transaksi yan
g d
ilakukan
di lu
ar Malaysia akan
ditu
karkan n
ilainya
kepad
a Dollar A
merika S
yarikat melalu
i MasterC
ard In
ternatio
nal
semasa tarikh
pen
erimaan
transaksi d
an/ atau
pem
pro
sesan o
leh
Ban
k. Nilai D
ollar in
i kemudian
nya d
itukarkan
kepad
a Rin
ggit
Malaysia. K
adar p
ertukaran
mungkin
berb
eza men
giku
t peru
bah
an
pasaran
dan
jum
lah yan
g d
itukarkan
itu tertaklu
k kepad
a kadar
pertu
karan sem
asa pem
pro
sesan tran
saksi dilaku
kan/ Tran
sactions
mad
e outsid
e Malaysia w
ill be co
nverted
to U
S D
ollar, w
hich
is determ
ined
by M
asterCard
Intern
ational o
n th
e date th
e transactio
n
received an
d/ o
r pro
cessed b
y the B
ank. T
he valu
e of U
S D
ollar is
then
converted
to R
inggit M
alaysia. The exch
ange rates m
ay vary acco
rdin
g to
market flu
ctuatio
ns an
d th
e amount co
nverted
will b
e su
bjected
to th
e exchan
ge rate o
f the tran
saction p
rocessin
g tim
e.
Bayaran
kad kred
it yang d
iterima d
aripad
a pem
egan
g kad
akan
dip
eruntu
kkan u
ntu
k men
yelesaikan b
aki belu
m jelas b
erdasarkan
baki d
engan
kadar keu
ntu
ngan
yang leb
ih tin
ggi d
ahulu
/ Cred
it card
paym
ents received
from
the card
hold
er will b
e allocated
to settle th
e outstan
din
g b
alance attractin
g th
e hig
hest p
rofit rate first.
Yura
n Ta
hunan/
Annual F
ees
Caj K
euntu
ngan d
i B
aw
ah S
truktu
r K
adar
Keuntu
ngan
Berp
erin
gka
t/ P
rofit C
harg
es
Under th
e T
iere
d
Pricin
g S
tructu
re
Baya
ran
Perkh
idm
ata
n
Pengelu
ara
n
Tunai/ C
ash
W
ithdra
wal
Service
Fee
Nota
/ Note
: Caj
yang d
inya
taka
n
dala
m %
tidak
term
asu
k 6%
G
ST/ C
harg
es in
%
is not in
clusive
of 6
% G
ST.
Platin
um
R
M411.2
8 (K
ad U
tama/
P
rincip
al Card
)
RM
159.0
0 (K
ad Tam
bah
an/
Supplem
entary C
ard)
DIK
EC
UA
LIK
AN
pad
a tahun p
ertama/
WA
IVED
for th
e first year. Tahun ked
ua
dan
seterusn
ya DIK
EC
UA
LIK
AN
den
gan
bersyarat/ S
econd an
d su
bseq
uen
t years w
ill be W
AIV
ED
with
conditio
ns.
Syarat p
engecu
alian/ W
aiver conditio
n:
Seku
rang-ku
rangnya sekali p
enggunaan
kad
dalam
setahun/ A
t least one card
usag
e for th
e year.
Em
as/ Gold
- D
IKEC
UA
LIK
AN
/ WA
IVED
R
M150 (K
ad U
tama/
Prin
cipal C
ard)
R
M80 (K
ad Tam
bah
an/
Supplem
entary C
ard)
Klasik/ C
lassic –
DIK
EC
UA
LIK
AN
/ WA
IVED
R
M60 (K
ad U
tama/
Prin
cipal C
ard)
R
M30 (K
ad Tam
bah
an/
Supplem
entary C
ard)
Salu
ran/
Channel
ATM
atau
kaunter
Ban
k R
akyat/ B
ank
Rakyat’s
ATM
or
counter
ATM
atau
kaunter
ban
k-ban
k lain
/ Oth
er ban
ks’ A
TM
or
counter
Baya
ran
perkh
idm
ata
n
pengelu
ara
n
tunai/ C
ash
w
ithdra
wal
service
fee
RM
21.2
0
3%
atas jum
lah
pen
gelu
aran
tunai/ fo
r every cash
with
draw
al am
ount
RM
21.2
0
5%
atas jum
lah
pen
gelu
aran
tunai/ fo
r every cash
with
draw
al am
ount
Jum
lah se
tiap
pengelu
ara
n
tunai/ E
very
cash
w
ithdra
wal
am
ount
Seh
ingga/ u
p to
R
M660
Meleb
ihi/ m
ore
than
RM
660
Seh
ingga/ u
p to
R
M400
Meleb
ihi/ m
ore
than
RM
400
Perin
gka
t / Tie
r
Tier 1
Bayaran
min
ima d
iterima
sebelu
m atau
pad
a Tarikh A
khir
Bayaran
untu
k 9 b
ulan
bertu
rut-tu
rut / M
inim
um
paym
ent received
befo
re or o
n
the D
ue D
ate for 9
month
s co
nsecu
tively.
Tier 2
Bayaran
min
ima d
iterima
sebelu
m atau
pad
a Tarikh A
khir
Bayaran
untu
k 6 b
ulan
atau leb
ih
dalam
tempoh 9
bulan
/ M
inim
um
paym
ent received
befo
re or o
n th
e Due D
ate for 6
m
onth
s or m
ore w
ithin
9 m
onth
s perio
d.
Tier 3
Tid
ak mem
enuhi
syarat-syarat Tier 1
dan
Tier 2
di
atas / Does n
ot m
eet the ab
ove
conditio
ns fo
r Tier 1
and T
ier 2.
Kada
rK
euntu
ngan
Seta
hun /
Yearly P
roft R
ate
13.5
%
13.0
%
17%
15.5
%
18%
17%
Krite
ria / C
riteria
Bukan
Ahli A
nggota
Sah
am B
ank R
akyat / N
on-B
ank R
akyat S
hare M
ember
Ahli A
nggota S
aham
B
ank R
akyat / Ban
k R
akyat Share M
ember
Bukan
Ahli A
nggota
Sah
am B
ank R
akyat / N
on-B
ank R
akyat S
hare M
ember
Ahli A
nggota S
aham
B
ank R
akyat / Ban
k R
akyat Share M
ember
Bukan
Ahli A
nggota
Sah
am B
ank R
akyat / N
on-B
ank R
akyat S
hare M
ember
Ahli A
nggota S
aham
B
ank R
akyat / Ban
k R
akyat Share M
ember
Nota/ N
ote: K
adar keu
ntu
ngan
berp
eringkat in
i tidak d
itawarkan
kep
ada w
argakerja B
ank R
akyat/ The tiered
pricin
g is n
ot ap
plicab
le fo
r Ban
k Rakyat staff.
Pen
gelu
aran tu
nai m
elalui
ATM
atau kau
nter B
ank
Rakyat akan
diken
akan
bayaran
perkh
idm
atan
seban
yak 3%
atau
RM
21.2
0 yan
g m
ana leb
ih
tinggi m
anakala b
agi
pen
gelu
aran tu
nai yan
g
dib
uat d
i ATM
atau kau
nter
ban
k-ban
k lain, b
ayaran
perkh
idm
atan seb
anyak
5%
akan d
ikenakan
ke atas ju
mlah
pen
gelu
aran tu
nai,
atau R
M21.2
0 yan
g m
ana
lebih
tinggi. Jad
ual b
ayaran
perkh
idm
atan p
engelu
aran
tunai ad
alah sep
erti beriku
t/ A service fee o
f 3%
or R
M21.2
0 w
hich
ever is h
igher w
ill be ch
arged
fo
r every cash w
ithdraw
al m
ade at B
ank R
akyat’s A
TM
or co
unter h
ow
ever a service fee o
f 5%
or
RM
21.2
0, w
hich
ever is hig
her is ch
arged
for every
cash w
ithdraw
al mad
e at oth
er ban
k’s ATM
or
counter. T
he cash
w
ithdraw
al service fee sch
edule is as fo
llow
s:
FI D
AN
CA
J/ FEES
AN
D C
HA
RG
ES
Nota/ N
ote:
C
harg
es are inclu
sive of 6
% G
ST, if an
y.
M
aximum
age fo
r Takaful C
overag
e is 65 years o
ld.
M
aximum
amount fo
r Takaful C
overag
e is up to
RM
200,0
00
05/16
Jumlah Pembiayaan yang dipohon/Total Financing Limit Request RMNota/Note: Sila Rujuk Jadual Harga Belian dan Harga Jualan Komoditi bagi Kad Kredit-i di dalam
borang ini / Kindly Refer to the Credit Card-i Commodity Buying and Selling Price Schedule in the Application form
Saya/ Kami mengesahkan bahawa maklumat yang diberi oleh saya/ kami adalah sahih, benar dan lengkap. Saya/ Kami dengan ini memberi kuasa kepada Bank Rakyat Malaysia Berhad untuk mendapatkan dan mengesahkan maklumat tentang saya/ kami daripada majikan saya/ kami, mana-mana Institusi Kewangan, Lembaga Hasil Dalam
Bank Rakyat. Saya/ Kami juga mengesahkan bahawa ibubapa dan/ atau anak saya/ kami bukanlah merupakan kakitangan Bank Rakyat atau subsidiari-subsidiarinya. Saya/ Kami adalah tertakluk kepada Terma dan Syarat Kad Kredit-i dan segala pindaan-pindaan ke atasnya pada masa akan datang sejajar dengan pengeluaran, pengaktifan atau penggunaan Kad Kredit-i, termasuk Kad Kredit-i saya/ kami yang telah diperbaharui oleh Bank Rakyat pada masa akan datang. Saya/ Kami mengakui bahawa Bank Rakyat mempunyai hak mutlak untuk melulus, menolak atau tidak menerima permohonan Kad Kredit-i saya/ kami, termasuk pembaharuan Kad Kredit-i saya/ kami pada masa akan datang tanpa memberikan sebarang sebab. Saya/ Kami seterusnya bersetuju bahawa Pemegang Kad Utama bertanggungjawab terhadap semua liabiliti dan obligasi Pemegang Kad Utama serta Pemegang (pemegang-pemegang) Kad Tambahan. Walaubagaimanapun, Pemegang (pemegang-pemegang) Kad Tambahan hanya akan bertanggungjawab terhadap liabiliti dan obligasinya sendiri. Saya/ Kami faham bahawa Kad Kredit-i akan tetap menjadi hak milik Bank Rakyat, tertakluk kepada mana-mana pembatalan tanpa notis dan dikembalikan setelah diminta oleh pihak Bank Rakyat. Saya/ Kami dengan ini memberi kebenaran kepada Bank Rakyat untuk mendedahkan maklumat berhubung kemudahan Kad Kredit-i atau akaun saya/ kami kepada Bank Negara Malaysia, pihak ketiga atau agen-agen yang dilantik oleh Bank Rakyat sepertimana yang ditetapkan oleh undang-undang atau sebaliknya. Bank Rakyat tidak akan bertanggungjawab terhadap sebarang liabiliti, secara langsung atau tidak
and complete. I/ We hereby authorize Bank Rakyat Malaysia Berhad to obtain and verify information on me/ us from my/ our employers, any Financial Institutions, the Central
that none of my/ our parents and/ or children are employees of Bank Rakyat and/or its subsidiaries. I/ We shall be bound by Terms and Conditions of Credit Card-i and all future amendments thereto upon issuance, activation or use of Credit Card-i, including the renewal of my/ our Credit Card-i in future. I/ We, acknowledge that Bank Rakyat reserves the sole and absolute right to approve, decline or reject my/ our Credit Card-i applications), including the renewal of my/ our Credit Card-i in future without assigning any reasons whatsoever. I/ We further agree that the Principal Cardmember shall be responsible for all liabilities and obligations of the Principal Cardmember as well as those of the Supplementary Cardmember(s). The Supplementary Cardmember (s) however, shall only be responsible for his/ her own liabilities and obligations. I/ We understand that Credit Card-i shall remain the property of Bank Rakyat and shall be subject to any cancellation without notice and would be returned upon request by Bank Rakyat. I/ We hereby agree to Bank Rakyat disclosing information to Bank Negara Malaysia, third parties or any agents appointed by Bank Rakyat regarding my/ our credit facilities and my/ our account with Bank Rakyat as may be required, whether pursuant to law or otherwise. Bank Rakyat shall not be liable either directly or indirectly to me/ us or any other persons for such disclosure.
(Untuk Pemegang Akaun Bukan Warganegara Malaysia sahaja / For Non-Malaysian Account Holder only)
Saya/ Kami mengesahkan bahawa jumlah pembiayaan saya/ kami daripada semua sumber-sumber di dalam Malaysia tidak melebihi agregat RM200,000.00.
2. Opsyen dan Pelantikan Wakil Jualan (Wakalah)/ Option and Appointment of Sales Representative (Wakalah)
Saya dengan ini bersetuju/ I hereby agree to: Membiarkan komoditi tersebut di bawah pegangan Bank dan secara tidak terbatal dan tanpa sebarang syarat melantik Bank Rakyat sebagai wakil/ ejen untuk menjualkan komoditi kepada mana-mana pembeli pihak ketiga bagi tujuan perlaksanaan pembukaan akaun dan pembaharuan Kad Kredit-i. purchaser for the purpose of opening and renewal of the Credit Card-i account. Mengambil serahan Komoditi tersebut/ Take delivery of the Commodity
3. Persetujuan Pinjaman Hasil Jualan (Qard) / Agreement on Financing of Sales Proceeds (Qard) Saya dengan ini bersetuju untuk meletakkan hasil jualan komoditi sebagai pinjaman kepada Bank Rakyat tanpa sebarang faedah berdasarkan konsep qard di mana amaun tersebut boleh digunakan semasa penggunaan Kad Kredit-i.
Setuju / Agree Tidak Setuju / Disagree
4. Pembaharuan Secara Automatik / Automatic Renewal Saya dengan ini berjanji untuk menawarkan pembelian komoditi daripada Bank Rakyat secara murabahah dengan harga tangguh setelah Bank Rakyat membeli komoditi daripada pembekal setiap kali pembaharuan Kad Kredit-i dilaksanakan. For the purpose of renewal of Credit Card-i. I hereby agree to offer the purchase of the commodity from Bank Rakyat under the basis of Murabahah with deferred sales price upon the purchase of the said commodity by the bank from the dealer. Setuju / Agree Tidak Setuju / Disagree
Saya/ Kami mengesahkan dan bersetuju ke atas segala maklumat yang telah saya/kami lengkapkan di dalam borang permohonan ini /
(Tandatangan Pemohonan Kad Utama / )Tarikh / Date :
(Tandatangan Pemohonan Kad Tambahan / )Tarikh / Date :
AKAD DI DALAM BORANG KAD KREDIT / AQAD IN THE CREDIT CARD FORM
1. Tawaran Untuk Membeli (Ijab) / Offer to Purchase (Ijab) Saya dengan ini bersetuju menawarkan pembelian komoditi daripada Bank Rakyat secara murabahah dengan harga tangguh setelah Bank Rakyat membeli komoditi daripada pembekal. I hereby agree to offer the purchase of the commodity from Bank Rakyat under the basis of Murabahah with deferred sales price upon the purchase of the said commodity by the bank from the dealer.
Setuju / Agree
Tidak Setuju / Disagree
Alamat emel/email address**________________________________________________
PENTING:Efektif Januari 2016, penghantaran penyata bulanan adalah secara e-Penyata. Penyata bulanan tidak akan dihantar melalui pos.
Deklarasi Declaration Dengan menandatangani borang ini, Saya/Kami mengesahkan bahawa / By signing this form, I/We declare that:
I/We hereby agree to be subjected to the Privacy Notice.
collect process andor disclose my personal data (including sensitive personal data) as detailed out in the Privacy Notice;
perubahan terhadap data peribadi saya/kami / The personal data provided by me/us is accurate, complete and up-to-date. I/We undertake to inform Bank Rakyat immediately in the event ofany changes to my our personal data.
Pada masa tertentu, Bank Rakyat mungkin akan menghantar bahan-bahan promosi dan pemasaran yang mungkin menarik minat anda. Untuk tujuan ini, saya/kami BERSETUJU untuk menerima bahan promosi bagi produk/kempen Bank Rakyat/subsidiari/rakan strategik. At times, Bank Rakyat may send you promotional and marketing materials that may interest you. For this reason, I/we AGREE to receive promotional materials of products/campaigns of Bank Rakyat/subsidiaries/ strategic partners.
Jika TIDAK SETUJU, sila tandakan bahan promosi yang tidak mahu di terima bagi produk/kempen Bank Rakyat/subsidiari/rakan strategik. Otherwise, I/We DO NOT AGREE
AKTA PERLINDUNGAN DATA PERIBADI 2010 / PERSONAL DATA PROTECTION ACT 2010
Saya/ Kami telah membaca dan memahami Helaian Pendedahan Produk bagi Kad Kredit-i Bank Rakyat sebelum saya/ kami membuat keputusan untuk memohon produk ini.I/ We have read and understood the Product Disclosure Sheet for the Bank Rakyat Credit Card-i before I/ we decided to apply for this product.
Your data privacy is important to us. Please view our Privacy Notice at www.bankrakyat.com.my for details.
Deposit / Deposit
Pembiayaan Runcit / Retail Financing
Pembiayaan Komersial / Commercial Financing
Kad Kredit / Debit Credit/Debit Card
Berasaskan Fi / Fee Based
Lain-lain (Sila nyatakan) / Others (Please specify): _______________________________________
PENGHANTARAN PENYATA AKAUN / STATEMENT DELIVERY
