Credit Card-i Platinum Explorer

  • NO compounding element
  • Zero Mark Up Rate on all overseas transactions (NO additional fees on currency exchange for overseas transactions)
  • FREE Group Family Takaful Coverage. Coverage includes  guaranteed payment of outstanding finances accrued through Credit Card-i usage.
  • Annual Fee : WAIVED with NO condition
  • 5% Cash Back on Airlines & Hotels Bookings (5% cash back is CAPPED at maximum amount of RM1,000 per annum)
  • 3x Complimentary access a year to Plaza Premium Lounge in Malaysia
  • Benevolence of RM 1,000
  • LOW profit rate under the Credit Card-i Tiered Pricing Structure.
  • 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.
  • Shariah Concept :  Shariah Murabahah (by adopting Tawarruq practice)
Profit Rebate (Tabung Rakyat Rewards). The rebate schedule as per below:
Descriptions Year 1 Year 2 Year 3
Auto Debit facility 0.5 % 0.5 % 0.5 %
Good Paymaster 1.0 % 1.0 % 1.5 %
Other Bank Rakyat Financing Facility 0.5 % 1.0 % 1.0 %
Total Rebate  (Tabung Rakyat Rewards) 2.0 % 2.5 % 3.0 %
  • Principal : 21 years old and above
  • Supplementary : 18 years old and above
  • Minimum Annual Income : RM60,000 and above

Copy of MyKad (Front & Back)/ Passport (for Principle cardholder / Supplementary cardholder) together with documents:

Government Servants:

Copy of latest pay slip

Private Sector Employees:

Copy of latest pay slip

EA Form / EPF Statement (latest 6 months transactions)

Self employed:

Copy of Business Registration

Copy of latest 6 months bank's statement

Copy of latest Form B

Copy of Tax Payment Receipt

Monthly Salary with Commission Base:

Copy of latest pay slip

EA Form / EPF Statement (latest 6 months transaction) OR Copy of latest commission statement (6 months record)

NO Basic Pay, solely on Commission Base:

Copy of latest pay commission statement (12 months record)


Copy of Bank Rakyat Saving Account-i

Copy of contract confirmation letter from employer


Copy of pension statement (latest 12 months transactions

Copy of 3 months Bank statement (showing the crediting of pension amount into the account)

  • Cash
  • Cheque
  • Interbank GIRO (IBG)
  • Online Banking
  • ATM
  • Instant Transfer
  • Auto Debit