Bank Rakyat Platinum Explorer Credit Card-i
Bank Rakyat consumer credit card. Compare cashback eligibility, annual fees and the conditions used by the calculator.
Partial verification · Terms last checked: 2026-11-10
Latest PDS unverified; older bank terms used.
Calculate this cardSalary and spending requirements
- Minimum monthly income
- RM5,000.00
- Minimum annual income
- RM60,000.00
- Qualifying spend
- Eligible airline / hotel MCCs; annual cap RM1,000
- Minimum principal age
- 21
Annual fee and SST
- Published annual fee
- RM0.00
- Fee waiver
- Free for life
- SST
- RM25 per physical card per year. Multi-card packages can cost more.
Annual net cashback is the year's eligible cashback minus the annual fee and SST. The calculator applies fee-waiver conditions to your scenario; the published fee above is not necessarily the fee you will pay.
Conditions to check
- Uses the available older official disclosure and current published benefits. A newer 2026 PDS is unverified; the RM1,000 annual cashback cap is retained.
- Official indexed PDS V16 dated 20 November 2025 and current official product page checked. 5% eligible airline/hotel bookings capped RM1,000/year, shared principal/supplementary; RM60,000 income, no annual fee. A newer disclosure version may exist; confirm the latest PDS with the bank.
Listed cashback rates
A summary of published rates, not an offer. Bank terms and the conditions above take priority. A threshold can refer to total spend, a statement balance or an individual transaction.
| Category | Listed rate | Listed qualifying basis | Listed monthly cap |
|---|---|---|---|
| Airline Tickets and Hotel Bookings | 5% | RM0.00+ | Not specified / uncapped in listing |
Sources
Terms can change after the check date. Confirm current terms with the issuer. This page does not include a welcome-gift valuation or guarantee bank approval.