Personal Banking

Cards / Bank Rakyat Platinum Explorer Card
  1. 5% cash back for all airlines and hotel bookings
  2. Three (3) times complimentary access a year to all Plaza Premium Lounge in Malaysia
  3. No annual fees
  4. No mark-up rate for overseas transactions. (NO additional fees on currency exchange for overseas transactions)
  5. Free Group Family Takaful Coverage and ‘Khairat Kematian’. Coverage includes guaranteed repayment of outstanding finances accrued through Credit Card-i usage.
  6. No compounding element.
  7. Low profit rate under the Credit Card-i Tiered Pricing Structure.
    Tier Criteria Yearly Profit Rate
    Tier 1: Minimum payment received before or on the Due Date for 9 months consecutively. Non-Bank Rakyat Share Member 13.5 %
    Bank Rakyat Share Member 13.0 %
    Tier 2: Minimum payment received before or on the Due Date for 6 months or more within 9 months period. Non-Bank Rakyat Share Member 17 %
    Bank Rakyat Share Member 15.5 %
    Tier 3: Does not meet the above conditions for Tier 1 and Tier 2. Non-Bank Rakyat Share Member 18 %
    Bank Rakyat Share Member 17 %
    Note: The tiered pricing is not applicable for Bank Rakyat staff.
  9. Rakyat Rewards 1 point is given to cardholder every RM10 spent. The point would then be converted to cash at the rate of RM0.10 per 10 points.
  11. Zakat payment – Card is accepted for zakat payment.

  13. Discount for Mail Order/ Telephone Order (MOTO): Privileges and special discounts under the Bank’s MOTO program. The program promotions will be sent together with the monthly Credit Card-i statement from time to time. Note:
    • Transactions at non-halal merchants will be declined.
    • Overseas Transaction and Online Purchase :  For security purpose, please contact our Bank Rakyat Card Centre at 03-2693 6880 before made any overseas and/or online transactions.
  1. Age: 21 years old and above for Principal Cardholder
  2. Age: 18 years old and above for Supplementary Cardholder
    *Maximum age limit for applicant is 65 years old (age limit for takaful coverage)
  3. Annual Income: RM60,000 above / RM5,000 Monthly.
Documents required :
  •  Copy of Identity Card (Front and Back) / Passport (For Principal / Supplementary Applicant’s) AND :
Government Servants :
  • Copy of latest pay slip
Private Sector Employees :
  • Copy of latest pay slip AND
  • EA Form / EPF statement (latest 6 months transactions)
Monthly Salary with Commission Base :
  • Copy of latest pay slip AND
  • EA Form / EPF statement (latest 6 months transactions) OR
  • Copy of latest commission statement (6 months record)
NO Basic Pay, solely on Commission Base :
  • Copy of latest commission statement (12 months record)
Self Employed :
  • Copy ofBusiness Registration AND
  • Copy of latest 6 months bank’s statement AND
  • Copy of latest Form B AND
  • Copy of Tax Payment Receipt
Expatriate :
  • Copy of Bank Rakyat Saving Account-i AND
  • Copy of contract confirmation letter from employer
Pensioner :
  • Copy of pension statement (latest 12 months transactions) AND
  • Copy of 3 months Bank statement (showing the crediting of pension amount into the account)

Click here for application form/application via online: Credit Card via online

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i) How do I been notified regarding the status of my application?
Application status will be notified via SMS.
ii) How many additional cards can I apply?
The Principal Cardholder may have up to 5 Supplementary Cardholders.
iii) What is the financing limit offered to Muslimah cardholders?
Financing limit for Bank Rakyat Platinum Explorer Credit Card-i starts from RM3,000 and above.
iv) How do I apply for additional cards?
Principal cardholder only need to fill up supplementary info at the section of ‘Supplementary Card Request’ in the Bank Rakyat Credit Card-i application form. The required documents are a copy of Identity Card for Principal and Supplementary cardholders.
v) I am a Supplementary cardholder, however, I wish to apply as a Principal cardholder. Can I do so?
YES. The application procedure is similar as a new application.
vi) What is the number that I need to contact for any enquiries?
For any enquiries or card activation, please contact 03-2693 6880
For lost or stolen, please IMMEDIATELY call 03-2692 4600
The published rates, fees and charges are effective from 1st April 2019 following the implementation of 6% SST from 1st September 2018. Terms & conditions apply.

For any enquiries, please visit the nearest branch or call our Contact Centre tele-Rakyat at 1-300-80-5454.
*Terms and conditions apply.