Shariah-compliant cards for everyday rewards, travel and professional communities. World, Explorer and affinity cards have distinct points values and lounge access.
Personal cards are shown first. Switch Product group for business / corporate cards. Invitation and availability labels describe application access, not approval.
Logos show verified support only. * Selected card in a bundle; open the card for Apple Pay and Google Pay status separately.
Mastercard5% selected domestic cashback; monthly cap RM20 / RM30 / RM50 according to verified annual income.
Unconditional annual-fee waiver under the current product terms; service tax remains separate.
Mastercard5 points per RM10 eligible online spending; other eligible retail earns 1 point per RM10; no annual fee.
Unconditional annual-fee waiver under the current product terms; service tax remains separate.
MastercardRakyat Rewards on eligible retail, no annual fee, with card-linked protection and payment plans.
Unconditional annual-fee waiver under the current product terms; service tax remains separate.
MastercardStandard Rakyat Rewards points, Shariah-compliant financing and annual-fee waiver with one eligible yearly use.
First year waived; subsequent principal RM388 / supplementary RM150 waived with one eligible use per year.
Mastercard5% eligible airline / hotel cashback with shared RM1,000 yearly cap; 3 Plaza Premium visits each for principal and supplementary holders.
Unconditional annual-fee waiver under the current product terms; service tax remains separate.
Mastercard10 points per RM10 overseas, 2 per RM10 locally; 5% selected travel / dining cashback capped at RM1,500 yearly; 6 MTP lounge visits.
RM500 principal annually, waived with RM40,000 annual eligible retail spending.
Mastercard5% domestic petrol, books, stationery and hotel cashback; shared principal / supplementary cap RM50 monthly and RM600 yearly.
Unconditional annual-fee waiver under the current product terms; service tax remains separate.
MastercardUTM alumni / staff card with category-specific points and different cash-redemption values; 2 Plaza Premium visits per eligible holder.
Unconditional annual-fee waiver under the current product terms; service tax remains separate.
MastercardPDRM service-eligibility card with Rakyat Rewards and a specific Bank Rakyat ATM cash-withdrawal tariff.
Unconditional annual-fee waiver under the current product terms; service tax remains separate.
MastercardRank-specific PDRM Platinum card with Rakyat Rewards, protection and a specific bank-ATM withdrawal tariff.
Unconditional annual-fee waiver under the current product terms; service tax remains separate.
Mastercard5 points per RM10 eligible petrol, car servicing, Takaful and EV charging; other eligible spending earns base points.
Unconditional annual-fee waiver under the current product terms; service tax remains separate.
MastercardRakyat Xclusive relationship card with travel rewards and 5 Plaza Premium visits each for eligible principal and supplementary holders.
Unconditional annual-fee waiver under the current product terms; service tax remains separate.
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This page covers reviewed personal card products and separately labelled business and relationship-only options. Network variants are shown separately where their benefits differ; paired DUO cards are identified on their detail pages. Retired and discontinued products are excluded.
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Terms are manually reviewed, not automatically refreshed. Bank documents take precedence over comparison sites. We do not reproduce third-party application gifts or claim exclusive offers.