Public Bank Gold MasterCard credit card

Also available as Visa

Public Bank Gold MasterCard

Public Bank Cashback MegaBonus offers you up to 0.2% back in cash for every Ringgit you spend. Low cash loan fees and free travel insurance.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 0.2% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM159.00 annual fee

Live Free & Drive Easy with Your New Public Bank Credit Card

Complimentary RM200 Touch 'n Go Card upon RM250 spent

Exclusively for Maxis users

Free Nescafe Dolce Gusto Coffee Maker with your new Public Bank Credit Card!

Apply online now for Public Bank Gold MasterCard

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Because you should be rewarded for giving the bank your business

Enjoy a Cash MegaBonus! Get up to 0.2% cashback on all retail purchases made locally and abroad.
Discover how much you can save when you shop with your new Public Bank Gold MasterCard
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM1 and above monthly0.2%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 up to 6 months when you spend above RM6000!
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 Flexipay Plan offers payments terms of up to 36 months on your retail purchases of over RM500 from as low as ZERO interest rate.
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
FREE Automatic Travel Insurance coverage up to RM500000 when your travel arrangements is charged to the card. You can even claim for inconvenience due to delayed or lost luggage, missed and delayed flights, and trip cancellations.
Travel CoverageSum Insured
Travel InsuranceUp to RM500000
Need personalised service? Have 24-hour customer service for all your banking needs. Plus, you will enjoy low cash advance fees, and you're allowed to open a Public Bank current account without bringing along an introducer.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when you swipe 12 times for subsequent years
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

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


Are you eligible for this credit card?

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


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

Easy Payment Plan
Public Bank Flexipay 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 Gold MasterCard review

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

Cash your way to more rewards and savings with Public Bank Gold MasterCard. You’ll get cashback rebates on all your purchases, annual fee waivers, low cash withdrawal rates and more!

Cashback Bonanza

More cashback on all your retail purchases with Public Bank’s Cash MegaBonus. Enjoy cashback rebates of 0.2% on all your purchase. Whether its local or made overseas, the more you spend the more rewards you get. 

Exchange those points for the coolest gifts.

Low Cash Withdrawal Fees

Enjoy low charges of 5% on cash withdrawals with your Public Bank Gold MasterCard. For any withdrawals below RM400 you’ll be charged a flat rate of RM20 for the transaction. Take note that cash withdrawals will be subjected to 6% GST.

ZERO Interest Installment Plan

Get more flexibility to manage your spending with Public Bank’s Zero Interest Installment Plan. Just swipe at ZIIP approved merchants and repay what you owe in monthly instalments between 3 – 36 months. But here’s the best part, you won’t pay any interest on your repayments!

To enrol your purchases into Public Bank’s ZIIP programme, contact a customer service representative after you’ve made a purchase. You’ll be eligible to enrol as long you have enough credit line left on your Public Bank Gold MasterCard.

Free Travel Insurance

Remember to swipe your travel tickets with your Public Bank Gold MasterCard whenever you go on a holiday or business trip. You’ll be eligible for automatic travel insurance coverage of up to RM500,000 which includes coverage for travel inconveniences and expatriation.

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