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