Public Bank World MasterCard Credit Card

Enjoy free access to Plaza Premium Lounges in Malaysia for 5 times a year!

15% p.a. interest rate
20 days interest-free period
0% p.a. balance transfer over 36 months
Easy Payment Plan (EPP)
RM0.00 annual fee
Earn up to 3x reward points

Benefits
Fees & Charges
Requirements
Features
Review
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Apply online now for Public Bank World MasterCard Credit Card

RinggitPlus will help you every step of the way.

My income is greater than RM150k a year. That's at least RM12500 monthly.

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Benefits

Because you should be rewarded for giving the bank your business

Rewards

Earn 1x Air Miles Point for every RM1 on your local retail spending. You will be rewarded with 3x Air Miles Points for each Ringgit you spend on overseas retail purchases.

Public Bank Air Miles
Earn	Spent
3 points on every RM1	on overseas retail
1 point on every RM1	on local retail

Your Public Bank Air Miles earned expires in 3 years

Balance Transfer

ZERO interest rate for 6-month period when you transfer your credit card outstanding balance from RM6000.

Pay Over	With Interest Rate At	When You Transfer
6 months	0% p.a. and 1.5% one-time upfront handling fee	from RM500
6 months	0% p.a. and 0% one-time upfront handling fee	from RM6000
12 months	0% p.a. and 3% one-time upfront handling fee	from RM1000
24 months	0% p.a. and 5% one-time upfront handling fee	from RM3000
36 months	0% p.a. and 7% one-time upfront handling fee	from RM6000

Learn more about Public Bank Balance Transfer

Easy Payment Plan (EPP)

With Public Bank Zero Interest Instalment Plan, you will enjoy 0% interest on all your purchases with participating merchants. For all the other purchases, you can also enjoy zero interest on 9-month instalment for minimum purchase of RM2000.

Pay Over	With Interest Rate At	When You Spend
6 months	1.5% one-time upfront handling fee	from RM500
9 months	0% one-time upfront handling fee	from RM2000
12 months	3% one-time upfront handling fee	from RM1000
24 months	5% one-time upfront handling fee	from RM2000
36 months	7% one-time upfront handling fee	from RM3000

Learn more about Public Bank Flexipay Plan

Pay Over	With Interest Rate At	When You Spend
3 months	0% p.a. and no one-time upfront handling fee	from RM500
6 months	0% p.a. and no one-time upfront handling fee	from RM500
9 months	0% p.a. and no one-time upfront handling fee	from RM500
12 months	0% p.a. and no one-time upfront handling fee	from RM500
18 months	0% p.a. and no one-time upfront handling fee	from RM500
24 months	0% p.a. and no one-time upfront handling fee	from RM500
30 months	0% p.a. and no one-time upfront handling fee	from RM500
36 months	0% p.a. and no one-time upfront handling fee	from RM500

Learn more about Public Bank Zero Interest Installment Plan

Travel

Complimentary 5x access to Plaza Premium Lounge in a year. What's more - you will be protected with travel insurance coverage of up to RM2 million.

Travel Coverage	Sum Insured
Travel Insurance	Up to RM2000000

Premium: Public Bank Help Desk is available for you 24 hours a day. Just call 03-2176 8188.

Fees & Charges

There are always fees but how much are they?

Annual Fee

RM0

Free for life

Annual Fee for Supplementary Card

RM0

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

18%

Contact-less Payment Methods

PayPass

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

Requirements

Are you eligible for this credit card?

Minimum annual income: RM150000
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 World MasterCard Credit Card review

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

Air Miles Redemption

On top of the cashback, you can earn reward points on your retail spending. You could earn 1x Air Miles Point on your local retail purchase and 3x Air Miles Points on your overseas retail purchases. Noted that Air Mile Points will expired in 3 years.

With your accumulated 6000 Air Miles Points, you can redeem 1000 Enrich Miles or 2000 AirAsia BIG Points.

Free For Life

Never have to pay annual fees again with this card being free for life with no conditions! That goes for both principal and supplementary cards.

Complimentary Travel Privileges

Public Bank World MasterCard Credit Card offers complimentary 5x access to any Plaza Premium Lounge in Malaysia in a year. For the subsequent access, you will need to pay the walk-in-rate. The complimentary access is combined for both principal and supplementary card holders.

Keep your peace of mind when you and your family members are protected by travel insurance of up to RM2 million when you charge your airline tickets fare to your Public Bank World MasterCard Credit Card. You can also claim the travel inconvenience benefits such as luggage lost, luggage delay, missed flight connection, flight cancellation and repatriation expenses.