Mutual Gold Public Bank Visa Platinum

Exclusively for Mutual Gold and Mutual Gold Elite Members of Public Mutual - earn unlimited Cash Rebate and Cash Bonus on birthday month!

Mutual Gold Public Bank Visa PlatinumBy Invitation Only
Annual Fee
Free
Cashback
up to 0.3%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Cashback

Unlimited Cash MegaBonus of 0.2% on all retail purchases, plus 0.3% Mutual Gold Cash Bonus on your birthday month.

Cashback categoryCashback rateMonthly capSpend
on retail purchases locally and overseas0.2%uncappedfrom RM1 and above monthly
Mutual Gold Cash Bonus0.3%uncappedfrom RM1 and above monthly

Travel

Platinum Help Desk at ready for 24/7 for you. In addition, get free Travel Insurance coverage worth RM500,000 when you charged full travel tickets to your Public Bank credit card.

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM400
Missed FlightUp to RM400
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM400

Premium

2x complimentary access to Plaza Premium Lounge in a year for Mutual Gold Elite Members. Also no introducer is required for current account opening at any Public Bank branches.

Balance Transfer

Take advantage of savings and flexibility when you transfer your outstanding credit card debts to Public Bank credit card to benefit from a low one-time upfront interest starting from 0%.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 5.5% one-time upfront handling feefrom RM3,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM6,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

Enjoy low and competitive interest rate starting from 0% p.a. with flexible repayment terms of your choice with Public Bank credit card instalment plans.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months1% one-time upfront handling feeRM1,000
9 months2% one-time upfront handling feeRM2,000
12 months3% one-time upfront handling feeRM1,000
24 months5.5% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
Learn more about Public Bank Flexipay Plan
Public Bank Zero Interest Installment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM500
9 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
30 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about Public Bank Zero Interest Installment Plan

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
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Invitation Only

Features

Easy Payment Plan
Public Bank Flexipay Plan
Tired of window shopping all the time? You can shop for anything at anywhere with instalment rate as low as 1% with this Public Bank Flexipay Plan.
Public Bank Zero Interest Installment Plan
Zero Interest means there's NO interest to pay for up to 36 months on retail transactions you choose to convert to Public Bank's Zero Interest Instalment Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.

Review

An exclusive by-invitation only credit card for members of Mutual Gold and Mutual Gold Elite of Public Mutual. To own this credit card, invest in any Public Mutual funds and maintain a minimum Qualifying Points of 150,000.

Free for Life

Annual fee? Not a dime. Once you have hit the Mutual Gold Qualifying Points of 150,000, this exclusive by-invitation credit card will be issued to for free of charge, in fact for a lifetime; as long as you maintain your Mutual Gold or Mutual Gold Elite status with Public Mutual.

Unlimited Cash Rebate

Mutual Gold Public Bank Visa Platinum credit card is a cashback credit card that rewards you an unlimited Cash MegaBonus of 0.2% for all retail purchases made locally and overseas. This Cash MegaBonus is as good as cash, and will be credited into your account every month.

Plus, when you finally arrived at your birthday month, your cash rebate will be doubled! Mutual Gold Visa Platinum credit card also gives 0.3% Cash Bonus throughout your birthday month.

Free Travel Insurance

Get a complimentary travel insurance coverage worth RM500,000, including compensation for travel inconveniences such as delayed flight or missed flight, and delayed luggage or lost luggage. Just charge your travel arrangement to Mutual Gold Visa Platinum credit card to qualify.

Complimentary Access to Airport Lounge

Enjoy 2x free access to Plaza Premium Lounge in Malaysia when you flash your Mutual Gold Visa Platinum credit card at selected airports. In the premium lounge, you get to indulge in the comfort of privacy and exclusivity for maximum 3 hours while waiting for boarding call - what a way to begin a journey.

Line of Credits

0% Balance Transfer

Recover your sleepless nights and hair falls for worrying over credit card debts with Public Bank Balance Transfer plan, easing your financial distress by offering a low one-time upfront charges, low minimum transfer amount and flexible repayment terms.

0% Instalment Plans

Like what you see but can't afford the purchase? With Public Bank’s Zero Interest Installment Plan (ZIIP), you have the privileges to swipe on the goods or services first then repay at a later date, i.e. one month after the successful EPP conversion.

First thing first, check if your merchants are ZIIP-approved, or else you can opt for Public Bank Flexipay Plan, which is also a flexible credit card instalment plan for purchases made at non-participating merchants at a small fee.

Cash Advance

Are you strapping for cash? Make your way to Public Bank branches or any ATMs nearby to withdraw some cash from your Mutual Gold credit card at a small fee.