Public Bank MasterCard Standard credit card

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.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM75.00 annual fee
View product disclosure sheet.

Benefits

Because you should be rewarded for giving the bank your business

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 1.5% 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 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.
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feefrom RM500 
6 months0% one-time upfront handling feefrom RM1500 
9 months2% 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
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
Premium
Customer service consultants will be available 24 hours a day to answer queries you may have on our products and services.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM75.00
  • First year free
  • Waived when 12 swipes per year
Annual Fee for Supplementary Card
RM45.00
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
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

Requirements

Are you eligible for this credit card?

Minimum annual income
RM36000
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 Flexipay 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
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Public Bank MasterCard Standard review

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

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.

What if the store of your choice is not selected under the above program? You can still enjoy flexible repayment at 0% interest rate and only a one-time handling fee via Flexipay Plan. Hurry up now as this promotion runs until 30th June 2017!

Round-the-clock helpdesk

Having a midnight credit card emergency? Don’t worry as Public Bank has dedicated a 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.

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