Public Bank World MasterCard Credit Card

A premium travel credit card which gives Air Miles Points, 3x complimentary access to participating Plaza Premium Lounges in Malaysia and free travel insurance!

Public Bank World MasterCard Credit Card3X air miles points
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

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For every overseas retail purchase, you get to earn 3x Air Miles Points, while local retail purchase gets you 1x Air Miles Point for every RM1 spent. For every 8,500 Air Miles collected, you can redeem either 1,000 Enrich Points or 2,000 AirAsia Points, valid for 3 years only.

Air Miles Points
3 points on every RM1on overseas retail purchase
1 point on every RM1on local retail purchase


Complimentary 3x access to participating Plaza Premium Lounges in Malaysia per year, and free travel insurance worth up to RM500,000 which includes claims for travel inconveniences caused by delayed or missed flights and delayed or lost luggage.

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


Get your online shopping goods protected with e-Commerce Purchase Protection of up to USD200 per claim per year for possible losses. Plus, enjoy 50% off your Will and Wasiat's Writing service fees.

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 and competitive 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
  • RM0 primary card

    Free for life

  • RM0 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.


Enter into a world of financial luxury with a twist of travelling perks with the Public Bank World MasterCard Credit Card, suitable for high net-worth individuals looking to simplify expenses in one premium credit card.

Public Bank World MasterCard Credit Card — Free for life!

It is worth noting that Public Bank World MasterCard Visa Credit Card is a free-for-life premium travel credit card ever issued by Public Bank. 

This annual fee waiver is applicable to both Principal and Supplementary credit cardholders.

Redeem air miles with PB World MasterCard

If you are a frequent flyer, then this premium travel credit card is the right one for you. 

Public Bank World MasterCard Credit Card is a reward credit card that gives Air Miles upon retail transactions at a fair conversion rate.

For every Ringgit swiped overseas and locally, you earn 3x Air Miles and 1x Air Mile respectively. 

When you reach 8,500 Air Miles, you can redeem 1,000 Enrich Points (if you are an avid fan of our national steel bird) or 2,000 AirAsia Points (if you love flying with low-cost airlines). can thank these air miles conversions for sponsoring your flight ticket for the next trip!

Wide insurance benefits from Public Bank World MasterCard Credit Card

Free Travel Insurance

Get complimentary travel insurance coverage worth up to RM500,000, including compensation for travel inconveniences such as delayed flight or missed flight, and delayed luggage or lost luggage. 

Just charge your travel arrangement to the World MasterCard credit card to qualify.

E-Commerce Purchase Protection

Shop locally or abroad with peace of mind knowing that your online purchases are covered by up to USD200 if:

  • Item(s) have not been delivered within 30 days of the scheduled delivery and/or incomplete delivery of item(s) and the seller has failed to refund
  • Improper functioning of the item(s) as a result of physical damage and the seller has failed to refund

Complimentary airport lounge access by Public Bank World

Enjoy 3x free access to participating Plaza Premium Lounges in Malaysia when you flash your Public Bank World MasterCard credit card at selected airports. Terms and conditions apply.

In the premium lounge, you get to indulge in the comfort of privacy and exclusivity while waiting for a boarding call — what a way to begin a journey, don't you think?

Line of credits of Public Bank World MasterCard Credit

Balance Transfer

Recover your sleepless nights and hair falls from worrying over credit card debts with a Public Bank Balance Transfer plan, easing your financial distress by offering low one-time upfront charges, low minimum spending requirements and flexible repayment terms.

Cash Advance

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

Easy Payment Plan

If you have been eyeing a high-valued item for a while now, why not convert to an easy payment plan by Public Bank? This way, you can manage your finances better by stretching the payment for a longer repayment tenure with low interest.

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