Public Bank World MasterCard Credit Card

A premium travel credit card gives Air Miles, 3x complimentary airport access, free travel insurance and e-Commerce purchase protection for free of annual charge!

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

Complimentary RM200 Air Asia Voucher upon RM250 spent

2018-02-222019-05-31

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*Complimentary RM200 Air Asia Voucher! - Terms and Conditions apply.

View product disclosure sheet.

Benefits

Because you should be rewarded for giving the bank your business

Rewards

Gain Air Miles with every retail purchase made locally and overseas. For every 6,000 Air Miles collected, you can redeem with 1,000 Enrich Miles or 2,000 AirAsia BIG Points.

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

Your Air Miles earned expires in 3 years

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 Over	With Interest Rate At	When You Transfer
6 months	0% p.a. and 1% one-time upfront handling fee	from RM1000
12 months	0% p.a. and 3% one-time upfront handling fee	from RM2000
24 months	0% p.a. and 5.5% 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)

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 Over	With Interest Rate At	When You Spend
6 months	1% one-time upfront handling fee	from RM1000
9 months	2% one-time upfront handling fee	from RM2000
12 months	3% one-time upfront handling fee	from RM1000
24 months	5.5% 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 3x access to Plaza Premium Lounge in Malaysia in a year, and a free travel insurance worth RM500,000, including claims for travel inconveniences caused by delayed or missed flight and delayed or lost luggage.

Travel Coverage	Sum Insured
Travel Insurance	Up to RM500000
Delayed Flight	Up to RM400
Missed Flight	Up to RM400
Lost Luggage	Up to RM1000
Delayed Luggage	Up to RM400

Premium: With Public Bank World MasterCard Credit Card, 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

RM0

Free for life

Annual Fee for Supplementary Card

RM0

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

PayPass

Requirements

Are you eligible for this credit card?

Minimum annual income: RM100000
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?

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

Air Miles Redemption

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 transaction at a fair conversion rate.

For every Ringgit swiped overseas and locally, you earn 3x Air Miles and 1x Air Mile respectively. When you reached 6,000 Air Miles, you can redeem 1,000 Enrich Miles (if you are an avid fan of our national steel bird) 2,000 AirAsia BIG Points (if you love flying with low-cost airlines).

So...you can thank these Air Miles conversions for sponsoring your flight ticket for the next trip!

Wide Insurance Benefits

Free Travel Insurance

Get a complimentary travel insurance coverage worth 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 World MasterCard credit card to qualify.

e-Commerce Purchase Protection

Ever wonder what could happen to your parcel? Don't worry as you are entitled to claim for compensation on e-Commerce purchases up to US$200, in case your package had been delivered elsewhere, or damaged due to improper handling or not arriving within 30-days of scheduled delivery.

Wallet Guard

Lost your wallet and everything important inside it? Protect it against theft, burglary, robbery and accidental lost and get reimbursed up to US$100 for costs associated with replacing the wallet and everything inside it.

Complimentary Access to Airport Lounge

Enjoy 3x free access to Plaza Premium Lounge in Malaysia when you flash your World MasterCard credit card at selected airports. In the premium lounge, you get to indulge in the comfort of privacy and exclusivity while waiting for boarding call - what a way to begin a journey.

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 low one-time upfront charges, low minimum spending requirement and flexible repayment terms.

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.

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.