Public Bank is running a new promotion that rewards Mastercard cardholders for using Samsung Pay, Google Pay, or Garmin Pay. The campaign runs from 25 November 2025 until 24 March 2026, giving participants four months to rack up transactions and earn cash back or prizes.

Who Can Join

The campaign is open to all Public Bank Mastercard Credit and Debit Cardmembers, including PB Lifestyle cardholders and Public Islamic Bank Mastercard Credit Cardmembers. You’ll need to complete a one-time registration during the campaign period, either through PBe using the keyword PBD, or by sending an SMS with “PBD” to 68333. Standard telco charges apply for SMS registration, and you’ll need to use the mobile number Public Bank has on file for you.

How The Cashback Works  ‘

The structure is straightforward. Spend a minimum of RM80 per transaction using Samsung Pay, Google Pay, or Garmin Pay with your PB Mastercard, and accumulate enough transactions in a calendar month to qualify for cash back.

Five transactions in a month gets you RM50 cash back. Eight transactions earns you RM100 cash back. The maximum you can receive is RM100 per month, and Public Bank has set aside RM75,000 per month for the total cash back pool, distributed on a first-come, first-served basis.

Top Spender Prizes 

Big spenders have a shot at winning gadgets too. If you spend at least RM5,000 in a month using the qualifying payment methods, you’re entered into the Top Spender Contest. Monthly prizes include five Samsung Galaxy S25FE units and ten Garmin Forerunner 165 GPS Running Smartwatches. You can only win one prize throughout the entire campaign, so winning once takes you out of the running for subsequent months.

What Counts (And What Doesn’t) 

Only in-store transactions made via Samsung Pay, Google Pay, or Garmin Pay qualify. Online purchases through these wallets don’t count, even if you’re using the same card.

Several other transaction types are also excluded: utilities, government payments, insurance premiums, balance transfers, flexipay, and anything done through the PBe website or ATMs. If a transaction already qualifies for cash back under another Public Bank campaign, it won’t count towards this one either.

Getting Your Rewards 

Cash back and prizes are credited or awarded within four to twelve weeks after each calendar month ends. If you haven’t received your rewards by 24 June 2026, you’ll need to contact Public Bank Card Customer Service to sort it out.

For the full terms and conditions, check the campaign page on Public Bank’s website.