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 StandardFirst Year Free
Min. Income
RM3,000/month
Annual Fee
Free*
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Premium

Customer service consultants will be available 24 hours a day to answer queries you may have on our products and services.

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 RM1,000
12 months0% p.a. and 3% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 5.5% one-time upfront handling feefrom RM3,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM6,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

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. For all other purchases, the instalment interest rate can be as low as 0% for up to 24 months.

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
6 months1% one-time upfront handling feeRM1,000
9 months2% one-time upfront handling feeRM2,000
12 months3% one-time upfront handling feeRM1,000
24 months5.5% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
Learn more about Public Bank Flexipay Plan

Fees & Charges

Annual Fee
  • RM75 primary card

    First year free,12 swipes 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
18%

Requirements

Minimum Annual Income
RM36,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

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 at anywhere with instalment rate as low as 1% with this Public Bank Flexipay Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.

Review

Enjoy 0% interest rate on a balance transfer program as well as on flexi payment plan while having the comfort of all day and night customer service when you sign up for 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 zero one-time upfront handling fee for 6 months, you need to transfer not less than RM6000 into Public Bank credit card. If you feel the repayment period is too short, extend it to 36-months plan, which includes a one-time fee of 7%.

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 installment payment plans!

When you swipe your credit card at Public Bank’s participating retail stores, you can call the bank to request for 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.

Round-the-clock helpdesk

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 loss or stolen credit card or if you want to find out more about your credit card status, you can call 03-2176 8000.