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 

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% 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)
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% one-time upfront handling feefrom RM500 
9 months0% one-time upfront handling feefrom RM2000 
12 months2% 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%

*inclusive of 6% GST

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.