Public Bank ING Credit Mastercard PayPass Card credit card

Public Bank ING Credit Mastercard PayPass Card

PB-ING Credit Mastercard PayPass Card Cash MegaBonus offers you 2% back in cash for every Ringgit you charge to your Card for your ING Insurance Premiums.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 0.6% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM72.08 annual fee

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Earn 2% cashback rebate for your ING Insurance Premiums and up to 0.6% cashback on all retail purchases excluding petrol. No maximum cashback limit.
Discover how much you can save when you shop with your new Public Bank ING Credit Mastercard PayPass Card
Cashback CategoryCashback RateMonthly CapSpend
 Spendup to RM30000.3%RM9up to RM3000
 Spendfrom RM3001 up to RM100000.5%RM50from RM3001 up to RM10000
 Spendfrom RM10000 and above0.6%uncappedfrom RM10000 and above
Rewards
RM1 = 1 Reward Point. Reward Points gifts for: Home, Kitchen, Kids, Travel, and Vouchers.
Easy Payment Plan (EPP)
Public Bank FlexiPay offers payments terms of 6 to 24 months on any retail purchase over RM500. Interest rates from 1%.
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 and Emergency Helpdesk
Travel CoverageSum Insured
Travel InsuranceUp to RM300000

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM72.08
  • First year free
  • Waived when 12 swipes per year
Annual Fee for Supplementary Card
RM40.28
Late payment fee
RM10
Cash withdrawal fee
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
PayPass

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
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 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
Public Bank Balance Transfer for Cardmembers
Balance transfer allows you to consolidate debt from your other credit cards onto this card.