Mutual Gold Public Bank Visa Platinum credit card

Mutual Gold Public Bank Visa Platinum

A card only for Mutual Gold and Mutual Gold Elite Members of Public Mutual. Earn 2x cash back when you spend overseas, and free travel insurance.

  • 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

Apply online now for Mutual Gold Public Bank Visa Platinum

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Because you should be rewarded for giving the bank your business

Unlimited Cash MegaBonus - Earn up to 0.5% cashback on all retail purchases excluding petrol. No maximum cashback limit. 2x the rebates when spending overseas!
Discover how much you can save when you shop with your new Mutual Gold Public Bank Visa Platinum
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM1 and above monthly0.3%uncappedfrom RM1 and above monthly
Balance Transfer
Why pay high interest charges when you can transfer your credit card debts using the Public Bank Balance Transfer - Pay 0% interest for 6 months when you spend above RM6000!
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1% one-time upfront handling feefrom RM500 
6 months0% p.a. and 0% one-time upfront handling feefrom RM6000 
12 months0% p.a. and 2.5% 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)
Pay upfront interest as low as 0% for all your purchases with Public Bank Flexipay Plan.
Emergency Helpdesk and Free Travel Insurance of up to RM1 million when your full travel arrangements are charged to your Public Bank credit card.
Travel CoverageSum Insured
Travel InsuranceUp to RM1000000

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
Annual Fee for Supplementary Card
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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods

All fees & charges are inclusive of 6% GST if applicable


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


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

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 Public Mutual Gold and Gold Elite club that gives you unique benefits that you won’t get on other platinum visa cards, including 1% cashback on overseas charges and complimentary travel insurance. And no annual fees either, so you won’t pay an extra Ringgit except the ones you spend on!

Unlimited Cash Back

No caps on your Mutual Gold Public Bank Visa Platinum means unlimited cash back on all you spending every month. Tiers are what matters, so keep in mind that anywhere you go both locally and overseas, you get to earn 0.3% cash back on all your spending transactions. 

At the end of the month, Public Bank will tally your total spending for the month.

0% Balance Transfer

Get savings on the cash you owe to the banks with a balance transfer to your Public Bank credit card. You won’t have to pay interest rates, but Public Bank will charge a one-time transfer fee based on the total amount of the credit that you move.

It’s simple math! The shorter your tenure, the lower the transfer fee. Pay only 1% as transfer fees when you choose a 6 month tenure with a minimum balance transfer of RM500. If you transfer more than RM6,000, Public bank will waive the transfer fees altogether so you won’t pay a thing.

0% Easy Payment Plan

Buy your next shopping item on credit and extend your repayments for up to 2 years with Public Bank Flexipay Plan. All you’ve got to do is to contact Public Bank after you’ve made your purchase and fill out the paperwork to enroll your purchase. What’s more, for purchases above RM2000 you can get 0% interest on the upfront fees when you sign up for the 12 month plan.

Free Travel Insurance

Public Mutual goes an extra step further to look out for its members by providing complimentary travel insurance. Just swipe your travel tickets with your Mutual Gold Public Bank Visa Platinum and become eligible for RM1,000,000 in travel insurance coverage to protect yourself and your family the event of injury or death due to an accident.

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