Public Bank Platinum MasterCard credit card

Public Bank Platinum MasterCard

Platinum privileges abound - free up to RM1million travel insurance.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM352.98 annual fee
  • Earn up to 1x reward point 

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

Complimentary RM200 Touch 'n Go Card upon RM250 spent

Exclusively for Maxis users

Free Nescafe Dolce Gusto Coffee Maker with your new Public Bank Credit Card!

Apply online now for Public Bank Platinum MasterCard

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Because you should be rewarded for giving the bank your business

Every Ringgit you spend earns 1 reward point. Spend more and get more, points can be cashed in for a range of amazing gifts!
Public Bank Preferred Redemption Rewards
1 point on every RM1all retail
Balance Transfer
Take advantage of savings and flexibility when you transfer your outstanding credit card debts to Public Bank credit card to benefit from 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)
Pay upfront interest as low as 0% for instalment of 12 months on your purchases.
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feefrom RM500 
9 months0% 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
Free up to RM1000000 Travel Insurance - protect you from inconvenience due to luggage delay, luggage loss, flight delay and much more
Travel CoverageSum Insured
Travel InsuranceUp to RM1000000
24-hour Platinum Priority Line - With one simple call to 03-2176 8333, you can have a personalised service to answer queries or to provide assistance. With your platinum credit card, you're now eligible to open a Public Bank current account without an introducer!

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when you swipe 12 times for subsequent years
Annual Fee for Supplementary Card
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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
Public Bank Flexipay 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?

Life ain’t a free ride. So double up on the savings with the Public Bank Platinum MasterCard! You’ll get cashback and reward points for all the day-to-day transactions. Platinum privileges for the person who deserves it most – you!

Rolling with reward points

Swipe once, get double? With your Public Bank Platinum MasterCard you’ll also earn reward points on all your retail shopping. Collect these points whenever you shop and redeem them for exciting gifts! For every RM1 that you spend you’ll get 1 reward point.

0% Interest and Savings

Enjoy exclusive credit card services with your Platinum MasterCard. If you’re looking to save on some credit debt, Public Bank Balance Transfer offers 0% interest and no handling fee when you transfer at least RM6,000. That’s 6 months to repay what you owe and more savings for you!

Looking for more flexibility to manage your spending at no cost to you? Enrol purchases that you can’t afford into Zero Interest Instalment Plan. This easy payment plan ( EPP) service by Public Bank allows you to repay for your purchases over tenures of 3 to 36 months at 0% interest, with almost no handling fee.

Free travel insurance

Travel with greater peace of mind when you charge your flight tickets to your Public Bank Platinum MasterCard and you’ll get automatic travel insurance of up to RM1,000,000. Coverage includes travel inconveniences due to luggage loss and delays, missed connections, cancellations and flight delays.

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