Rakyat Xclusive Premier-i Account

Rakyat Xclusive Premier-i Account

Rakyat Xclusive Premier-i Account is a premium banking account specially designed for customers who value an exclusive lifestyle experience and enhanced banking convenience. The account offers competitive profit rates, access to exclusive Rakyat Xclusive privileges, and comes together with the Platinum Mastercard Debit Card-i for seamless daily transactions and premium lifestyle benefits. With this account, customers can enjoy a more personalised, convenient, and exclusive banking experience with Rakyat Xclusive.

Concept

Tawarruq
Mudarabah

Types of Accounts

The Rakyat Xclusive Premier account consist of 3 types accounts that customer can choose from:

Savings Account-i (Tawarruq)
Current Account-i (Tawarruq)
Investment Account-i

Product Features

Rakyat Xclusive Premier-i Account

Open only for Rakyat Xclusive Members age 18 years old and above
Citizens and Non-citizens
Account open under the capacity of Individual or Joint Individual
Minimum deposit to open an account is RM1,000

Takaful Coverage

Enjoy 1-year complimentary Takaful protection with personal accident coverage of up to RM50,000, subject to maintaining a Minimum Average Balance (MAB) of RM100,000 in the Rakyat Xclusive Premier-i Account.

Mastercard Platinum Debit Card-i

Mastercard Platinum Debit Card-i (ATM Card)

Enjoy a wide range of exclusive privileges and benefits with the Mastercard Platinum.
Accepted at all merchant counters worldwide.
Perform withdrawals at Bank Rakyat ATMs or any ATM with MEPS / BANKCARD logo across the country
Perform money transfers and one-stop bill payments via ATM and counters.
Internet banking facilities i-Rakyat

Profit Rates

Rakyat Xclusive Premier Savings Account-i & Current Account-i
Amount (RM)	Profit Rates (p.a)
0 – 250,000	1.50%
Above 250,000	2.20%
Rakyat Xcluisve Premier Investment Account-i
Amount (RM)	Profit Sharing Ratio (PSR) (Customer: Bank)
0 – 250,000	30 : 70
Above 250,000	43 : 57

*The customer will obtain the profit of the investment based on the profit-sharing ratio that has been agreed with the Bank

Investment Monthly Rate

May 2026

§ Fees & Charges

SERVICE	TRANSACTION	CHARGE
Debit Card	Application fee	FOC
Debit Card	Annual card fee	RM8.00
Debit Card	Replacement card - Card loss/theft	RM12.00
Debit Card	Replacement card - Card/chip damage	FOC
Account Statement	For each application	RM14.00
Account Closure	Less than 3 months from the new account opening date	CASA : RM10.00 IA : RM20.00

§ Note: The dormant account with credit balance of less than RM10 will be closed by the Bank and whatever balance will be absorbed as a fee to the Bank.