Bank Rakyat Platinum Explorer Credit Card-i

With Bank Rakyat Platinum Explorer Credit Card-i, enjoy 5% cashback for all airlines and hotel bookings, no extra fees for overseas transactions & many more.

Bank Rakyat Platinum Explorer Credit Card-iLow overseas transactions
Min. Income
RM5,000/month
Annual Fee
Free
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
Interest-free
20 days

Rewards

Get rewarded with 1 Rakyat Reward Point for every RM10 spent with your credit card. Earn your points that have no expiry date and convert them to cash at the rate of RM0.10 per 10 points!

Rakyat Rewards
EarnSpend
1 point on every RM10all Retail

Petrol

For a limited edition until December 2019, get 5% cashback on all petrol stations nationwide every Thursday (no cap).

Travel

Experience travel perks for those who desire premium experiences that fit the budget. Free 3x access to Plaza Premium Lounge in Malaysia & no additional fees on currency exchange (overseas transactions).

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM21.20 or 3% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

Requirements

Minimum Annual Income
RM60,000
Minimum Age
  • 21 to 65 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Review

Keep Travelling and Save Money with Bank Rakyat Platinum Explorer Credit Card-i

With frequent travellers in mind, Bank Rakyat has designed its first travel credit card: Platinum Explorer Credit Card-i. The credit card offers fantastic travel perks that helps you save money while exploring the world. Did we mention no annual fee?

 

Highlights of Bank Rakyat Platinum Explorer Credit Card-i

RinggitPlus Bank Rakyat Platinum Explorer Credit Card-i

Bank Rakyat Platinum Explorer Credit Card-i

 
Highest cashback rate 5% cashback without minimum spend
Highest cashback amount RM83 per month
Max spend to earn highest cashback amount RM1,700
Eligible spend to earn highest cashback rate Airlines tickets and hotel bookings
Eligible cardholder(s) Principal and supplementary

 

 5% Cashback for Airlines Tickets and Hotel Bookings

Imagine getting 5% cashback whenever you buy flight tickets or book a hotel. 

Be it economy class or first class flight tickets, budget or five-star hotel, Bank Rakyat Platinum Explorer Credit Card-i will help you save more money without minimum spending condition!

The travel credit card cashback feature is also valid for the supplementary cardholders and Bank Rakyat employees.

However, please take note that there's a cap of RM1,000 per year, which is a total combination of usage by both principal and supplementary cardholders. 

Furthermore, the 5% cashback is only valid for purchases made at the Merchant Category Code (MCC) below:

 

Bank Rakyat Platinum Explorer Credit Card-i Merchant Category Code
Eligible MCC Description
3000 - 3299 Airlines Operator
4511 Airlines Operator
3501 - 3999 Hotels / Motels / Resorts
7011 Hotels / Motels / Resorts
4722 Travel Agencies / Tour Operator

 

 No Mark-up Rate for Overseas Transactions

Some people choose to carry credit card instead of a lot of cash during travelling for safety reason. 

Moreover, it means they don't have to worry to lose money in case they exchange too much of it before the trip.

If that sounds like you, there's another reason to apply for Bank Rakyat Platinum Explorer Credit Card-i: no additional fees on currency exchange for overseas transactions!

Foreign transaction fees are charged when you purchase items while overseas. Typically, banks will charge 1-3% of the total bill for each overseas transaction.

With this travel perk, you can save some money and use it for your next adventure.

No Annual Fee & Other Benefits

Bank Rakyat Platinum Explorer Credit Card-i Benefits


No Annual Fee

Annual fee is waived for life without conditions.

FREE 3x Airport Lounge Entry

Enjoy free 3x access to Plaza Premium Lounge Malaysia nationwide (per year). 

Earn Rakyat Rewards

Earn 1 point for every RM10 spent.
Convert your points into cash (10 points = RM0.10)

FREE Group Family Takaful Coverage
and 'Khairat Kematian'

Travel with peace of mind.
Bank Rakyat protects you and your family while traveling, plus your credit card outstanding balances when unfortunate things happen.

5% Petrol Cashback

Pump your petrol anywhere in Malaysia on Thursday and earn 5% cashback 
(valid until December 2019)

 

Eligibility & Required Documents

Here are the requirements to apply for this Public Bank credit card:

  • Min. annual income: RM60,000
  • Age: 21-65 years old (principal card), min.18 years old (supplementary card)

Remember to prepare these documents as well:

 

Bank Rakyat Platinum Explorer Credit Card-i Required Documents
General Documents  
Copy of NRIC (both sides) or Passport  
EA Form / EPF statements (latest 6 months' transactions)  
Latest 2 months' salary slip  
Latest 3 months' savings account activity/current account statements  
Self-employed Expatriate Existing Cardholder
Copies of business registration Letter of employment Copy of NRIC (both sides) or Passport
Latest 6 months' bank statement Copy of Bank Rakyat Saving Account-i  
Copy of latest Form B    
Copy of Tax Payment Receipt    

 

Bank Rakyat Platinum Explorer Credit Card-i Supplementary Cards

If your application for Bank Rakyat Platinum Explorer Credit Card-i has been approved, you may have up to 5 supplementary cardholders. 

To apply for supplementary cards, fill up the supplementary info in the application form and prepare a copy of the ID of the principal and supplementary cardholders.