Public Bank Platinum MasterCard

Enjoy the privileges of VIP Points on retail spending, annual fee waiver, complimentary travel insurance and contactless payment.

Public Bank Platinum MasterCardReward points for everyday spending
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a Complimentary
Xiaomi Redmi Buds 4
worth RM239
when you apply through RinggitPlus *

Xiaomi Redmi Buds 4

Our Previous Winners


Spend and get rewarded with 1 VIP Point for every Ringgit spent. Redeem the accumulated VIP Points with e-vouchers, which can be used to purchase goods and services at Public Bank e-Mall, an exclusive e-Commerce site for Public Bank credit cardholders. Accumulated VIP points will expire in 3 years.

VIP Points
1 point on every RM1all retail transactions


Travel with peace of mind — charge your full travel fares to Public Bank Platinum MasterCard to get up to RM500,000 complimentary travel insurance coverage. The coverage includes claims for inconveniences caused by luggage delays, luggage loss, flight delays etc.

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM400
Missed FlightUp to RM400
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM400


Enjoy 50% off on your Will and Wasiat Writing service fee. You may give a call to Public Bank Trustee Services Berhad for more details.

Balance Transfer

Take advantage of savings and flexibility when you transfer your outstanding credit card debts to a Public Bank credit card to benefit from a low one-time upfront interest.

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

Enjoy low-interest rates with flexible repayment terms of your choice with a Public Bank credit card instalment 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
  • RM333 primary card

    Free for first year

    Waived when you swipe minimum 12 times over the preceding 12 months

  • RM150 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
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 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.


Elevate your credit card game in sync with your income status with Public Bank MasterCard Platinum — a card that speaks your needs with benefits, privileges and uniqueness of its own.

Collect VIP Points with Public Bank Platinum MasterCard

Public Bank MasterCard Platinum is a reward-based credit card that gives you VIP Points that can be redeemed with goods and services. 

For every Ringgit you spend with your MasterCard Platinum credit card, you earn 1 VIP Point.

Collect enough VIP Points, you can redeem e-Vouchers to purchase items from the Public Bank reward catalogue or, at Public Bank e-Mall, a dedicated online shopping site for Public Bank credit cardholders.

Complimentary travel insurance

For those whose line of work entails business travelling and anyone who is fond of travelling, this Public Bank credit card is equipped with a complimentary travel insurance plan that includes a claim for inconveniences such as flight delays, luggage lost/delayed etc.

To qualify for this free travel insurance coverage of up to RM500,000, all you need to do is make a full travel arrangement such as purchasing flight tickets with your Visa Platinum credit card. 

Voila! Never have to worry again.

Annual fee waiver

It is worth noting that the Public Bank MasterCard Platinum credit card is issued free of charge in the first year.

This should encourage you to spend more and reap the benefits and privileges of being a Public Bank credit cardholder.

Plus, you can maintain not paying the annual fee for the subsequent years when you make a minimum of 12 swipes in a year.

Line of credits of Public Bank Platinum MasterCard

0% Balance Transfer

Recover your sleepless nights and hair falls for worrying over credit card debts with the Public Bank Balance Transfer plan, easing your financial distress by offering a zero interest rate and low one-time upfront charges starting from 1.5% with repayment terms extended up to 48 months.

You can consolidate up to 4 credit cards and transfer them to your Public Bank credit card, subject to 80% of the total available credit limit. 

The minimum transfer amount should be RM1.000, with repayment terms ranging from 6, 12, 24, 36 and 48 months.

Flexible Instalment Plans

Like what you see but can't afford the purchase? Opt for the Public Bank Flexipay Plan, which is a flexible credit card instalment plan for purchases made at non-participating merchants at a small fee.

But if you hurry, you can enjoy a 0% p.a. interest on your EPP conversion amount - always check out Public Bank credit card promotions!

Cash Advance

Are you strapping for cash? Make your way to Public Bank branches or any ATMs nearby to withdraw some cash from your Public Bank Platinum MasterCard at a small fee.

Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product