Mutual Gold Public Bank Visa Platinum

Exclusively for Mutual Gold, Mutual Gold Elite and Mutual Platinum members of Public Mutual — earn unlimited cash rebate and Cash Bonus on birthday month!

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


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

Local and overseas retail purchases0.2%uncappedfrom RM1 or above monthly
Mutual Gold Cash Bonus0.3%uncappedfrom RM1 or above monthly


Platinum Help Desk at ready 24/7 for you. In addition, get free Travel Insurance coverage worth up to RM500,000 when you charged full travel tickets to your Public Bank credit card. On top of that, complimentary 2x access to selected Plaza Premium Lounges in Malaysia for eligible Mutual Gold Elite and Mutual Platinum members.

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


Enjoy a 50% discount on Will and Wasiat's Writing service fees.

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.

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 2.5%one-time upfront handling feefrom RM1,000
24 months0% p.a. and 4.5%one-time upfront handling feefrom RM1,000
36 months0% p.a. and 6.5%one-time upfront handling feefrom RM1,000
48 months0% p.a. and 9.5%one-time upfront handling feefrom RM1,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

Enjoy low-interest rates with flexible repayment terms of your choice with a Public Bank credit card instalment plan.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months2% one-time upfront handling feeRM1,000
24 months4% one-time upfront handling feeRM1,000
36 months6% one-time upfront handling feeRM1,000
48 months8% one-time upfront handling feeRM1,000
Learn more about Public Bank Flexipay Plan

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

    Waived when as long as the Mutual Gold/Mutual Gold Elite/Mutual Platinum status is maintained with Public Mutual Berhad

  • 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
Contact-less Payment Methods
Visa payWave


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


Easy Payment Plan
Public Bank Flexipay Plan
Tired of window shopping all the time? You can shop for anything anywhere with an instalment rate as low as 2% with this Public Bank Flexipay Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying as low as 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.


An exclusive by-invitation-only credit card for members of Mutual Gold, Mutual Gold Elite and Mutual Platinum of Public Mutual Berhad. 

To own this credit card, invest in any Public Mutual funds and maintain a minimum Qualifying Points of 150,000.

Mutual Gold Public Bank Visa Platinum — Unlimited cash rebate

Mutual Gold Public Bank Visa Platinum 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 arrive at your birthday month, your cash rebate will be doubled! Mutual Gold Visa Platinum credit card also gives a 0.3% Cash Bonus throughout your birthday month.

Zero annual fee

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 you free of charge, in fact for a lifetime; as long as you maintain your Mutual Gold or Mutual Gold Elite status with Public Mutual.

Complimentary travel insurance

Get complimentary travel insurance coverage worth up to 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 your Mutual Gold Visa Platinum credit card to qualify.

Public Bank line of credits

0% Balance Transfer

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

Flexible Instalment Plans

Like what you see but can't afford the purchase? Opt for the Public Bank Flexipay Plan, which is 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.

Complimentary access to selected Plaza Premium Lounge

Enjoy 2x free access to participating Plaza Premium Lounges in Malaysia when you flash your Mutual Gold Visa Platinum credit card by Public Bank at selected airports.

In the premium lounge, you get to indulge in the comfort of privacy and exclusivity for a maximum of 3 hours while waiting for a boarding call — what a way to begin a journey.

Please note that the voucher(s) will be delivered only to eligible card members. Find more details in the T&C here.

Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product