Public Bank MasterCard Standard

Public Bank MasterCard Standard is a card that everyone new to credit cards will need. No frills, no stress and easily maintained.

Public Bank MasterCard StandardNo first-year annual fee
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Customer service consultants will be available 24 hours a day to answer queries you may have about our products and services. For Cash Advance, do note that a preferential fee of 5% will be charged at any Public Bank ATMs and branches nationwide, subject to a minimum cash advance fee of RM20 per withdrawal.

Balance Transfer

Why pay high-interest charges when you can transfer your credit card debts using the Public Bank Balance Transfer? Pay as low as a 1% upfront fee and spread your repayments for up to 48 months of tenure.

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

Public Bank 0% Instalment Plan offers payment terms of up to 36 months on your retail purchases of over RM500, subject to participating merchants. For all other purchases, enjoy low one-time upfront fees with up to 48 months of repayment tenures.

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
Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months2% one-time upfront handling feeRM1,000
24 months4% one-time upfront handling feeRM1,000
36 months6% one-time upfront handling feeRM1,000
48 months8% one-time upfront handling feeRM1,000
Learn more about Public Bank Flexipay Plan

Fees & Charges

Annual Fee
  • RM75 primary card

    First year free

    Waived when you swipe 12 times per year

  • RM45 supplementary card
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 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.
Public Bank Flexipay Plan
Tired of window shopping all the time? You can shop for anything anywhere with an instalment rate as low as 2% with this Public Bank Flexipay 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.


Enjoy a 0% interest rate on a balance transfer program as well as on a flexi payment plan while having the comfort of all-day and night customer service when you sign up for Public Bank MasterCard Standard.

Public Bank MasterCard Standard - 0% Balance Transfer

You have an uncontrollable spending habit and have admitted your addiction. 

But don’t beat yourself up as Public Bank MasterCard Standard offers a balance transfer program that opens up to 5 credit cards, regardless of the issuers.

To enjoy zero interest rate and as low as a 1.5% one-time upfront handling fee for 6 months, you need to transfer not less than RM1,000 into your Public Bank credit card. 

If you feel the repayment period is too short, extend it to a 48-months plan, which includes a one-time fee of 9.5%.

Make sure to properly service them over the course of your tenures as you will get penalized with tiered interest rates when you failed to do so, or get slapped with RM100 if you settled before your period expired.

Not one but two EPPs

Make your shopping experience more satisfying and less worrying with not one but TWO instalment payment plans!

When you swipe your credit card at Public Bank’s participating retail stores, you can call the bank to request ZIIP and choose a tenure that you are most comfortable with to repay the loan as it costs you not a single charge! 

All you are required is to transact a minimum of RM500 in a single receipt.

Public Bank MasterCard Standard round-the-clock help desk

Having a midnight credit card emergency? Don’t worry as Public Bank has dedicated 24-hour customer service for you. 

You can dial 03-2176 8555 to lodge a report on a lost or stolen credit card or if you want to find out more about your Public Bank MasterCard Standard status, you can call 03-2176 8000.

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