Public Bank Executive MasterCard credit card

Public Bank Executive MasterCard

Free travel insurance and reward points on your shopping! A unique credit card that changes colour to Lavender, Pink, Turquoise, Grey or Green.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM93.28 annual fee
  • Earn up to 1x reward point 
View product disclosure sheet.

Benefits

Because you should be rewarded for giving the bank your business

Rewards
Get 1 Premium Point with every Ringgit you spend. Redeem points for a range of free gifts from the Public Bank gift catalogue. VIP points earned have a 3-year expiry!
Premium Points
EarnSpent
1 point on every RM1on all retail expenses
Your Premium Points earned expires in  3 years
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 up to 6 months when you spend above RM5000!
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)
Public Bank 0% Instalment Plan offers payments terms of up to 36 months on your retail purchases of over RM500 at ZERO interest rate, subject to participating merchants. Pay upfront interest as low as 0% for instalment of up to 24 months on all the other purchases.
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feefrom RM500 
9 months0% 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
Free Travel Insurance coverage of RM300000 when you charge your full travel itinerary to your card. You can even claim for inconvenience due to Luggage Delay, Luggage Loss, Flight Delay, Missed Connecting Flight, Trip Cancellation and Repatriation expenses.
Travel CoverageSum Insured
Travel InsuranceUp to RM300000

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM93.28
  • First year free
  • Waived when you swipe 12 times in a year
Annual Fee for Supplementary Card
RM50.88
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
18%

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

Requirements

Are you eligible for this credit card?

Minimum annual income
RM36000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

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.

Public Bank Executive MasterCard review

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

Say hi to the one of the most innovative cards on the market. With a cool feature that allows it to change colors in different lighting and from different angles.

What’s great about this card?

For starters, this little digit comes with a fantastic security feature. Its protected by state of the art EMV Chip technology, so you can have peace of mind no matter the situation. Also, now with Pin and Pay tech being all the rage, credit card security is at its finest.

Public Bank cardmembers also have access to 24-hour access to a customer service hotline. So you know that if you have any questions or queries regarding Public Bank products or services, there’s always someone to answer them.

Another perk that you have is, preferential fees on cash advances. Whenever you need to withdraw money using your credit card, your cash advance fee is only 5.3%

More benefits!

With this Executive MasterCard, you get to accumulate Premium Points whenever you make a retail purchase. Every time you spend RM1, you will get 1 Premium Point. The more points you get the cooler the gifts you can exchange them for.

The benefits don’t stop there. For those of you who love to travel the world, you can now travel with some peace of mind. Charge all your airfares to this card and get automatic travel insurance of up to RM300,000.

You’re also covered for travel inconveniences such as loss of luggage and missed connections.

Credit Card Perks

There is a little more that this card can offer you. If you love shopping as much as the average Malaysian, then start shopping smart with the Public Bank Zero Interest Installment Plan.make purchases and pay for them over a repayment tenure, with no interest!

Zero Interest Installment Plan only works with a list of participating merchants. If the place you are shopping at isn’t on that list. Don’t worry, you have another option, the Public Bank Flexipay Plan.

When you convert your purchases under this plan, you still can stretch out your payments, the only difference is that you have a small one-time upfront interest fee that is not more than 7%. This deal is still better than paying 18% p.a. on your bills.

Lastly, if you have any outstanding credit card bills that you’d like to settle, when you sign up for this card. Consolidate them under the Public Bank Balance Transfer programme. Pay off your debt in monthly installments up to 36 months. And the best part is you have 0% interest here too.

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