Public Bank Platinum MasterCard credit card

Public Bank Platinum MasterCard

Enjoy the privileges of VIP Points, annual fee waiver, complimentary insurance plans, contactless payment and opening of a current account without an introducer!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM333.00 annual fee
  • Earn up to 1x reward point 

Live Free & Drive Easy with Your New Public Bank Credit Card

Complimentary RM200 Giant Voucher upon RM250 spent


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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Spend and get rewarded with VIP Points to redeem with e-voucher, which can be used to purchase goods and services at Public Bank e-Mall, an exclusive e-Commerce site for Public Bank credit cardholders.
VIP Points
EarnSpent
1 point on every RM1on all retail spends
Balance Transfer
Take advantage of savings and flexibility when you transfer your outstanding credit card debts to Public Bank credit card to benefit from a low one-time upfront interest starting from 0%.
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)
Enjoy low and competitive interest rate starting from 0% p.a. with flexible repayment terms of your choice with Public Bank credit card instalment plans.
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
Travel
Travel with peace of mind - charge full travel fares to Public Bank Platinum MasterCard to get a RM500,000 complimentary travel insurance coverage, including claim for inconveniences caused by luggage delay, luggage loss, flight delay etc.
Travel CoverageSum Insured
Travel InsuranceUp to RM500000
Premium
With Public Bank MasterCard Platinum, you are entitled to enjoy e-Commerce Purchase Protection of up to US$200, and open a current account at any Public Bank branches without an introducer.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM333.00
  • Free for first year
  • Waived when you swipe 12 times for subsequent years
Annual Fee for Supplementary Card
RM150.00
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
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%
Contact-less Payment Methods
MasterCard PayPass

Requirements

Are you eligible for this credit card?

Minimum annual income
RM50000
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 Platinum MasterCard review

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

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.

VIP Points

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 spent with your MasterCard Platinum credit card, you earn 1 VIP Point.

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

Free Insurance Plans

For those whose line of works entail business traveling and anyone who is  fond of traveling, Public Bank MasterCard Platinum credit card is equipped with a complimentary travel insurance plan that includes claim for inconveniences such as flight delayed, 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. 

Also, you are entitled to claim for compensation on e-Commerce purchases up to US$200, in case your parcel had been delivered elsewhere, or damaged due to improper handling or not arriving within 30-days of scheduled delivery. Voila! Never have to worry again.

Line of Credits

0% Balance Transfer

Recover your sleepless nights and hair falls for worrying over credit card debts with Public Bank Balance Transfer plan, easing your financial distress by offering a zero interest rate and a low one-time upfront charges starting from 0% with repayment terms extended up to 36 months.

You can consolidate up to 4 credit cards and transfer to your Public Bank credit card, subject to 80% of the total available credit limit. The minimum transfer amount should be RM500, with repayment terms ranging from 6, 12, 24 and 36 months.

0% Instalment Plans

Like what you see but can't afford the purchase? With Public Bank’s Zero Interest Installment Plan (ZIIP), you have the privileges to swipe on the goods or services first then repay at a later date, i.e. one month after the successful EPP conversion.

First thing first, check if your merchants are ZIIP-approved, or else you can opt for Public Bank Flexipay Plan, which is also a flexible credit card instalment plan for purchases made at non-participating merchants at a small fee.

But if you're hurry, you can enjoy a 0% p.a. interest on your EPP conversion amount - always check out on 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 Visa Platinum credit card at a small fee.

Annual Fee Waiver

It is worth noting that Public Bank MasterCard Platinum credit card is issued for free of charge in the first year. This should encourage you to spend more and reap the benefits and privileges of being Public Bank credit card holders.

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

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