Mutual Gold Public Bank Visa Platinum credit card

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!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 0.3% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
View product disclosure sheet.

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Unlimited Cash MegaBonus of 0.2% on all retail purchases, plus 0.3% Mutual Gold Cash Bonus on your birthday month.
Discover how much you can save when you shop with your new Mutual Gold Public Bank Visa Platinum
Cashback CategoryCashback RateMonthly CapSpend
on retail purchases locally and overseasSpendfrom RM1 and above monthly0.2%uncappedfrom RM1 and above monthly
Mutual Gold Cash BonusSpendfrom RM1 and above monthly0.3%uncappedfrom RM1 and above monthly
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 1.5% one-time upfront handling feefrom RM500 
6 months0% p.a. and 0% one-time upfront handling feefrom RM2000 
12 months0% p.a. and 3% one-time upfront handling feefrom RM1000 
24 months0% p.a. and 5% one-time upfront handling feefrom RM3000 
36 months0% p.a. and 7% one-time upfront handling feefrom RM6000 
Learn more about Public Bank Balance Transfer
Easy Payment Plan (EPP)
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.
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feefrom RM500 
6 months0% one-time upfront handling feefrom RM1500 
9 months2% one-time upfront handling feefrom RM2000 
12 months3% one-time upfront handling feefrom RM1000 
24 months5% one-time upfront handling feefrom RM2000 
36 months7% one-time upfront handling feefrom RM3000 
Learn more about Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM500 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
9 months0% p.a. and no one-time upfront handling feefrom RM500 
12 months0% p.a. and no one-time upfront handling feefrom RM500 
18 months0% p.a. and no one-time upfront handling feefrom RM500 
24 months0% p.a. and no one-time upfront handling feefrom RM500 
30 months0% p.a. and no one-time upfront handling feefrom RM500 
36 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Public Bank Zero Interest Installment Plan
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 RM500000
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.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
Annual Fee for Supplementary Card
RM0
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Are you eligible for this credit card?

Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Invitation Only

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
Public Bank Flexipay Plan
Public Bank Zero Interest Installment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
Public Bank Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Mutual Gold Public Bank Visa Platinum review

What's so good (or not so good) about it?

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.

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