1. Apakah Kad Debit-i Bank Rakyat/ What is Bank Rakyat Debit Card-i?
Kad Debit-i Bank Rakyat adalah kad debit Islamik yang juga dikenali sebagai
Kad ORCHID. Kad Debit-i Bank Rakyat boleh digunakan di seluruh dunia untuk
pembelian runcit di semua saudagar yang menerima transaksi MasterCard dan
pengeluaran tunai di semua institusi perbankan yang menyertai rangkaian
MasterCard/
Bank Rakyat Debit Card-i is an Islamic debit card and is also known as the Kad
ORCHID. The Bank Rakyat Debit Card-i can be used worldwide for retail
purchases at all merchants that accept MasterCard and cash withdrawals at all
financial institutions that participate in the MasterCard network.
2. Bagaimana untuk memohon Kad Debit-i Bank Rakyat/ How to apply for the Bank
Rakyat Debit Card-i?
b. Kelayakan/ Eligibility?
Individu berumur 18 tahun ke atas/
Individuals aged 18 years and above.
Pelanggan perlu membuka atau mempunyai akaun simpanan individu
dewasa (semua jenis akaun simpanan individu dewasa)/
The customer has to open or own an individual adult savings account (all
types of individual adult savings account).
Tiada keperluan pendapatan minima/
No minimum income requirements.
Deposit minima sebanyak RM10 di dalam akaun simpanan semasa
permohonan Kad Debit-i Bank Rakyat yang BARU/
Minimum deposit of RM10 in savings account during NEW Debit Card-i
application.
SOALAN LAZIM KAD DEBIT-i BANK RAKYAT/ BANK RAKYAT DEBIT CARD-i FAQ 1
c. Dokumen yang diperlukan/ Documents required?
Lengkapkan dan tandatangan borang Application/ Maintenance Debit
Card-i/
To fill up and sign the Application/ Maintenance Debit Card-i form.
Salinan Kad Pengenalan/
Photocopy of NRIC.
Buku akaun simpanan (sekiranya ada)/
Savings account passbook (if any).
3. Apakah ciri-ciri dan kelebihan Kad Debit-i Bank Rakyat/ What are the features
and benefits of this Debit Card-i?
a. Kad Debit-i Bank Rakyat adalah sama seperti kad kredit, di mana ianya boleh
digunakan untuk pembelian runcit, transaksi secara online (internet) dan
pengeluaran tunai di dalam dan luar negara. Kad Debit-i Bank Rakyat
diterima di semua premis saudagar yang menyertai MasterCard di seluruh
dunia/
Bank Rakyat Debit Card-i works just like a credit card, whereby it can be used
for retail purchases, online (internet) transactions and cash withdrawals
locally and overseas. Bank Rakyat Debit Card-i is accepted at all MasterCard
participating merchants worldwide.
SOALAN LAZIM KAD DEBIT-i BANK RAKYAT/ BANK RAKYAT DEBIT CARD-i FAQ 2
High daily card utilization limits (combination of retail purchases and
cash withdrawals) up to RM10,000 or the available balance in the
savings account, whichever is lower.
Had harian pengeluaran tunai sebanyak RM3,000 atau pelanggan boleh
memohon untuk had pengeluaran tunai maksima sehingga RM5,000
dengan menghubungi Khidmat Pelanggan, Pusat Kad Bank Rakyat/
Daily cash withdrawal limit of RM3,000 or the customer may apply for a
maximum cash withdrawal limit up RM5,000 per day by calling
Customer Service, Pusat Kad Bank Rakyat.
c. Bilakah saya boleh mula menggunakan Kad Debit-i Bank Rakyat/ When can
I start to use my Bank Rakyat Debit Card-i?
Untuk transaksi runcit dan online (internet), kad tersebut boleh digunakan
sebaik sahaja ianya diaktifkan oleh pihak cawangan/
For retail and online (internet) transactions, the card can be used
immediately after the card has been activated by the branch.
SOALAN LAZIM KAD DEBIT-i BANK RAKYAT/ BANK RAKYAT DEBIT CARD-i FAQ 3
Walaubagaimanapun, untuk transaksi pengeluaran tunai, pelanggan perlu
melaksanakan FORCE PIN change di mana-mana ATM Bank Rakyat
sebelum sebarang transaksi pertama pengeluaran tunai dapat
dilaksanakan/
However, for cash withdrawal transaction, customer has to perform FORCE
PIN change at any Bank Rakyat ATM prior to the first cash withdrawal
transaction.
4. Bolehkan saya menggunakan Kad Debit-i Bank Rakyat untuk transaksi di luar
negara dan online (internet)/ Can I use my Bank Rakyat Debit Card-i for overseas
and online (online) transaction?
Boleh. Kad Debit-i Bank Rakyat boleh digunakan untuk transaksi online
(internet) dan pembelian runcit dan pengeluaran tunai di luar negara.
Walaubagaimanapun, pelanggan dinasihatkan untuk menghubungi Khidmat
Pelanggan, Pusat Kad Bank Rakyat di 03 2693 6880 untuk makluman
penggunaan kad di luar negara dan transaksi internet bagi mengelakkan
sebarang kesulitan/
Yes, Bank Rakyat Debit Card-i can be used for online (internet) transaction and
retail purchases and cash withdrawal overseas. However, customer is advised to
call Customer Service, Pusat Kad Bank Rakyat at 03 2693 6880 to notify/ inform
on the card usage for overseas and internet transaction to avoid any
inconvenience.
5. Adakah transaksi yang dilakukan di luar negara akan dikenakan caj/ Is there
any charge for transaction performed overseas?
SOALAN LAZIM KAD DEBIT-i BANK RAKYAT/ BANK RAKYAT DEBIT CARD-i FAQ 4
Fi Pengeluaran Tunai di KAUNTER BANK LAIN di dalam Malaysia MELALUI
RANGKAIAN ‘MASTERCARD’ sebanyak RM1 akan dikenakan/
Cash Withdrawal Fee of RM1 will be charged for withdrawal at OTHER
BANKS’ COUNTERS VIA MASTERCARD’S NETWORK (for domestic
withdrawal)
6. Berapakah had penggunaan harian Kad Debit-i Bank Rakyat (kombinasi runcit
dan tunai)/ How much is my daily spending limit (combination of retail and cash)?
Had penggunaan Kad Debit-i Bank Rakyat (kombinasi runcit dan tunai) adalah
RM10,000 sehari atau jumlah baki yang terdapat di dalam akaun simpanan,
yang mana lebih rendah/
Bank Rakyat Debit Card-i spending limit (combination of retail and cash
withdrawals) is RM10,000 per day or up to the available balance in the savings
account, whichever is lower.
SOALAN LAZIM KAD DEBIT-i BANK RAKYAT/ BANK RAKYAT DEBIT CARD-i FAQ 5
Had default ATM adalah RM3,000 sehari/
Default ATM limit is RM3,000 per day
Had maksima ATM adalah RM5,000 sehari/
Maximum ATM limit is RM5,000 per day
SOALAN LAZIM KAD DEBIT-i BANK RAKYAT/ BANK RAKYAT DEBIT CARD-i FAQ 6
9. Apakah caj yang dikenakan untuk Kad Debit-i Bank Rakyat/ What are the
charges applied for the Bank Rakyat Debit Card-i?
Fi Pemprosesan Permohonan/ :
TIADA/ NIL
Application Processing Fee
SOALAN LAZIM KAD DEBIT-i BANK RAKYAT/ BANK RAKYAT DEBIT CARD-i FAQ 7
Fi Pengeluaran Tunai di KAUNTER
BANK LAIN DI LUAR MALAYSIA
MELALUI RANGKAIAN
‘MASTERCARD’/ International Cash RM12
Withdrawal Fee at OTHER BANKS’
COUNTERS VIA MASTERCARD’S
NETWORK
Pertukaran Urusniaga :
Luar Negara (% daripada amaun
1.25% daripada amaun transaksi/ 1.25% of the
transaksi)/ Foreign Exchange
transaction amount
Transactions (% of transaction
amount)
SOALAN LAZIM KAD DEBIT-i BANK RAKYAT/ BANK RAKYAT DEBIT CARD-i FAQ 8
10. Bagaimanakah untuk mendapatkan kad gantian? (Kad rosak, hilang, dicuri,
terlupa nombor PIN dan sebagainya)/ How do I get a replacement card? (spoiled
card, lost, stolen, forgot PIN number etc)
Sila hubungi talian 24 jam kehilangan kad Pusat Kad Bank Rakyat di 03
2692 4600 untuk menyekat kad tersebut. Rujuk kepada cawangan Bank
Rakyat yang terdekat pada esok hari untuk mendapatkan kad GANTIAN,
sekiranya perlu/ Please call the Bank Rakyat’s 24 hours lost card line at 03
2692 4600 to block the card. Refer to the nearest Bank Rakyat branch the
next working day for a REPLACEMENT card, if necessary.
b. Terlupa PIN atau Rosak atau Cip rosak dan sebagainya/ Forgot PIN or
Spoiled or Chip error etc
11. Adakah Kad Debit-i Bank Rakyat mempunyai tarikh luput/ Is there any expiry
date for Bank Rakyat Debit Card-i?
Kad Debit-i Bank Rakyat mempunyai tempoh sah selama 5 tahun. Tarikh luput
kad dicetak di atas kad tersebut. Pihak Bank akan memaklumkan kepada
pelanggan berkenaan pembaharuan kad/
There is 5-years validity for Bank Rakyat Debit Card-i. The expiry date of the card
is printed on the card. The Bank will inform the customer accordingly for the
renewal card.
SOALAN LAZIM KAD DEBIT-i BANK RAKYAT/ BANK RAKYAT DEBIT CARD-i FAQ 9
12. Adakah saya akan mendapat penyata untuk transaksi Kad Debit-i Bank Rakyat/
Will I get a statement for Bank Rakyat Debit Card-i transaction details?
Pihak Bank tidak akan mengeluarkan salinan penyata bulanan bagi Kad Debit-i
Bank Rakyat. Pelanggan boleh menyemak transaksi Kad Debit-i melalui
perbankan internet i-Rakyat/
There is no hard-copy monthly statement produced for Bank Rakyat Debit Card-i.
The customer may check their Debit Card-i transaction details through i-Rakyat
online banking.
Nota: Pelanggan perlu mempunyai Kad Rakyat (Kad ATM) atau Kad COOP untuk
pendaftaran perkhidmatan perbankan internet i-Rakyat di ATM Bank Rakyat/
Note: Customer needs to have a Kad Rakyat (ATM card) or Kad COOP for i-Rakyat
online banking facility registration at the Bank Rakyat ATM.
13. Penggunaan Kad Debit-i di STESEN MINYAK (TERMINAL LAYAN DIRI/ HOSPITAL
DAN HOTEL)/ Usage of the Debit Card-i at PETROL STATION (SELF SERVICE
TERMINAL)/ HOSPITAL AND HOTEL
SOALAN LAZIM KAD DEBIT-i BANK RAKYAT/ BANK RAKYAT DEBIT CARD-i FAQ 10
PENTING: Berdasarkan praktis industri, amaun pra-guna yang dikenakan bagi
transaksi pembelian minyak yang dilakukan di terminal layan diri adalah
sebanyak RM200. Amaun pra-guna ini tidak digunapakai bagi transaksi
pembelian minyak yang dilakukan di kaunter juruwang/
IMPORTANT: Based on industry practice, the pre-use amount imposed for petrol
purchases made at self-service terminal is set at RM200. The pre-use amount is
NOT APPLICABLE for petrol purchases made at the cashier counter.
CONTOH: Untuk setiap pembelian minyak yang dilakukan di terminal layan diri,
sebanyak RM200 akan dibekukan daripada akaun simpanan sehingga
settlement diterima daripada pihak saudagar/
EXAMPLE: For every petrol purchase at the self-service terminal performed by the
customer, a total of RM200 will be freeze from the savings account until the
settlement is received from merchant.
15. Bolehkah saya menggunakan Kad Debit-i Bank Rakyat di premis saudagar tidak
Halal/ Can I use my Debit Card-i at non-Halal merchants?
SOALAN LAZIM KAD DEBIT-i BANK RAKYAT/ BANK RAKYAT DEBIT CARD-i FAQ 11
Kad Debit-i Bank Rakyat adalah kad yang berlandaskan Syariah, di mana pihak
Bank tidak membenarkan penggunaan kad di premis saudagar tidak Halal.
Kategori saudagar tidak Halal adalah/
Bank Rakyat Debit Card-i is a Syariah based card, in which the Bank does not
allow card usage at non-halal merchants. The categories of non-Halal merchants
are:
17. Bagaimanakah untuk membatalkan atau menutup Kad Debit-i Bank Rakyat
saya/ How do I cancel or close my Bank Rakyat Debit Card-i?
SOALAN LAZIM KAD DEBIT-i BANK RAKYAT/ BANK RAKYAT DEBIT CARD-i FAQ 12
Laporan percanggahan transaksi perlu dibuat dengan kadar segera atau dalam
tempoh masa 14 hari dari tarikh transaksi dilakukan/
Customer may refer to any nearest Bank Rakyat branches OR call Customer
Service, Pusat Kad Bank Rakyat at 03 2693 6880 to lodge the dispute/
discrepancy. Report on dispute transaction must be made immediately or within
14 days from the date of the transaction was made.
19. Bagaimanakah caranya untuk menyemak baki akaun simpanan/ How do I check
my savings account balance?
PENTING/ IMPORTANT:
Baki akaun simpanan SETELAH mengambilkira amaun
Fund pra-guna/ earmark/ dibekukan/
Available Savings account balance AFTER deducting the pre-use/
Slip ATM/ earmark/ freeze amount.
ATM Slip Baki akaun simpanan SEBELUM mengambilkira amaun
Account pra-guna/ earmark/ dibekukan/
Balance Savings account balance BEFORE deducting the pre-use/
earmark/ freeze amount.
Baki akaun simpanan SETELAH mengambilkira amaun
Available pra-guna/ earmark/ dibekukan/
Balance Savings account balance AFTER deducting the pre-use/
Paparan i-Rakyat/ earmark/ freeze amount.
i-Rakyat Screen Baki akaun simpanan SEBELUM mengambilkira amaun
Ledger pra-guna/ earmark/ dibekukan/
Balance Savings account balance BEFORE deducting the pre-use/
earmark/ freeze amount.
SOALAN LAZIM KAD DEBIT-i BANK RAKYAT/ BANK RAKYAT DEBIT CARD-i FAQ 13
20. Saya mempunyai dua (2) akaun simpanan dengan Bank Rakyat; Bolehkah saya
menghubungkan kedua-dua akaun tersebut kepada Kad Debit-i Bank Rakyat
saya. Bolehkah saya mempunyai lebih daripada satu Kad Debit-i Bank Rakyat/
I have two (2) savings accounts with Bank Rakyat; Can I link both accounts with
my Bank Rakyat Debit Card-i? Can I own more than one Bank Rakyat Debit Card-
i?
Buat masa ini, pihak Bank hanya menawarkan SATU akaun simpanan untuk
SATU Kad Debit-i Bank Rakyat, iaitu pelanggan hanya boleh menghubungkan
satu akaun simpanan individu kepada satu Kad Debit-i Bank Rakyat sahaja/
Currently, the Bank only offers ONE Bank Rakyat Debit Card-i for ONE savings
account i.e. customer can only link one individual savings account to one Bank
Rakyat Debit Card-i.
SOALAN LAZIM KAD DEBIT-i BANK RAKYAT/ BANK RAKYAT DEBIT CARD-i FAQ 14