Personal Banking

Cards / Xclusive Explorer
Shariah Murabahah ( By adopting Tawarruq practice)
  • No Compunding element
  • Zero Mark Up Rate on all overseas  transactions ( No additional fees on currency exchange  for overseas transactions)
  • FREE Group Family  Takaful Coverage. Coverage include  guaranteed payment of outstanding finances accrued through Credit Card-I usage.
  • Annual Fee- Waived without condition.
  • Benevolence of RM1,000
  • LOW profit rate under the Credit Card-i Tiered Pricing Structure
  • 5% Cash Back on Airlines & Hotel Bookings (5% Cash Back is CAPPED at maximum amount of RM1,000 per annnum
  • 5x Complimentary access a year to Plaza Premier Lounge in Malaysia

  • Principle: 21 years and above
  • Supplementary: 18 years and above
  • Minimum Annual Income: RM60,000 and above
  • Rakyat Xclusive members


  1. How will the bank notify customers on card application status?

The card application status will be notified via SMS.

  1. How many additional cards can be applied by the customers?
The principal cardholder may apply up to five supplementary cards.

  1. What is the financing limit offered to Platinum Xclusive Explorer Credit Card-i cardholders?
Financing limit for Platinum Xclusive Explorer Credit Card-i starts from RM50,000 and above.

  1. How do I apply for additional cards?
Principal cardholder is required to fill up supplementary info at the‘Supplementary Card Request’ section in the Credit Card-i application form. The required document are copies of identification card for principal and supplementary cardholder.

  1. Can a supplementary cardholder apply to be a principal cardholder?

Yes. The application procedure is the same as making a new application.

  1. How do customers contact the Bank if there are any questions regarding the Platinum Xclusive Explorer Credit Card-i?
For any enquiries or card activation, kindly contact 03-2693 6880. For lost or stolen card, please call 03-2692 4600 IMMEDIATELY


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.