Public Bank Gold MasterCard

Packed with amazing perks: unlimited 0.1% Cash MegaBonus, annual fee waiver, flexible credit card instalment plans, and exclusive deals and discounts.

Public Bank Gold MasterCardUnlimited retail cashback
Min. Income
Annual Fee
up to 0.1%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a Complimentary
Xiaomi 70mai 1S Dash Cam 1080p
worth RM229
when you apply through RinggitPlus *

Xiaomi 70mai 1S Dash Cam 1080p

Our Previous Winners


Unlimited 0.1% Cash MegaBonus is yours for every Ringgit spent on retail purchases locally and overseas. Getting cashback every month is easy as there is no limit to credit card usage!

Local and Overseas Retail Purchases0.1%uncappedfrom RM1 or above monthly

Balance Transfer

Take advantage of savings and flexibility when you transfer your outstanding credit card debts to a 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 a low upfront interest rate starting from 1.5% p.a. or zero interest rates with flexible repayment terms of your choice with Public Bank credit card instalment plans.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feeRM1,000
9 months2% one-time upfront handling feeRM1,000
12 months2.5% one-time upfront handling feeRM1,000
24 months5% one-time upfront handling feeRM2,000
36 months6.5% one-time upfront handling feeRM3,000
48 months9% one-time upfront handling feeRM5,000
Learn more about Public Bank Flexipay Plan
Public Bank Zero Interest Installment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM500
9 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
30 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about Public Bank Zero Interest Installment Plan

Fees & Charges

Annual Fee
  • RM150 primary card

    Free for first year

    Waived when you swipe 12 times for subsequent years

  • RM100 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
MasterCard PayPass


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
Public Bank Flexipay Plan
Tired of window shopping all the time? You can shop for anything at anywhere with installment rate as low as 1.5% with this Public Bank Flexipay Plan.
Public Bank Zero Interest Installment Plan
Zero Interest means there's NO interest to pay for up to 36 months on retail transactions you choose to convert to Public Bank's Zero Interest Instalment 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.


Public Bank Mastercard Online Credit Card Acquisition Campaign 2023

From 1 April until 30 June 2023 (“Campaign Period”), Public Bank is giving away a Huawei Band 7 to eligible applicants who apply for any participating Public Bank/Public Islamic Bank Mastercard credit cards via online channels such as PBe and RinggitPlus, perform spending criteria and an SMS registration, during the Campaign Period. Terms and conditions apply. Let's dive into the campaign mechanics below!

The participating Public Bank/Public Islamic Bank Mastercard credit cards include:

  • Public Bank Quantum Mastercard
  • Public Bank Platinum Mastercard
  • Public Bank World Mastercard
  • Public Bank Gold Mastercard
  • Public Islamic Bank Mastercard Platinum Credit Card-i
  • Public Islamic Bank Mastercard Gold Credit Card-i

On top of the current flash deal, don’t miss this opportunity to win an extra gift! To get the Huawei Band 7, you must:

  1. Be a new-to-bank Principal card member of the participating Public Bank Mastercard Credit Card or Public Islamic Bank Mastercard Credit Card-i.
  2. Apply for the eligible credit card(s) via the PBe channel or RinggitPlus.
  3. Spend an accumulative amount of RM2,000 and perform an SMS registration within 60 days from the card approval date to be eligible for this campaign.

To perform the SMS registration, please enter the following text and send it to 66300.

“PBSM<space>12-digit NRIC number”

The eligible applicants who successfully registered for the campaign will get a confirmation SMS from Public Bank.

Those who are not eligible to participate in this campaign include:

  • Existing Public Bank/Public Islamic Bank Principal card members; and
  • Former Public Bank/Public Islamic Bank Principal card members who have cancelled any of their credit card(s) within 2 years from the date of current application; and
  • Any of those who apply for the eligible PB Mastercard credit card via other channels other than PBe and RinggitPlus; and
  • Employees of the Public Bank Group, its advertising agencies, their immediate families or any other persons connected with the administration of the Campaign.

Get Unlimited Cash MegaBonus with Public Bank Gold MasterCard

Swipe your Public Bank Gold MasterCard to earn an unlimited 0.1% Cash MegaBonus every month. 

Cash MegaBonus is your getaway to enjoy considerable savings on your credit card expenses because it pays you back for every Ringgit spent.

While 0.1% may look less profitable, imagine the compounding effect of it on every Ringgit you have swiped. 

What's more, there's no capping on the cashback amount you will get back. But remember, only retail transaction is qualified for this cashback.

Annual fee waiver

It is worth noting that the Public Bank Gold MasterCard credit card is issued free of charge in the first year.

This should encourage you to spend more and reap the benefits and privileges of being a Public Bank credit cardholder.

Plus, you can maintain not paying the annual fees for the subsequent years when you make a minimum of 12 swipes in a year.

0% Balance Transfer

Want to recover your sleepless nights and hair falls from worrying over credit card debts? 

Here's where Public Bank Balance Transfer comes to the rescue.

Public Bank Balance Transfer helps you ease your financial distress by offering a zero interest rate and low one-time upfront charges starting from 1.5% with repayment terms extended up to 48 months.

You can consolidate up to 4 credit cards and transfer them to your Public Bank credit card, subject to 80% of the total available credit limit. 

The minimum transfer amount should be RM500, with repayment terms ranging from 6, 12, 24, 36 and 48 months.

Flexible 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 and 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.

But if you hurry, you can enjoy a 0% p.a. interest on your EPP conversion amount — always check out Public Bank credit card promotions!

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