Public Bank World MasterCard Credit Card credit card

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)
  • RM530.00 annual fee
  • Earn up to 3x reward points 

Get A RM200 Lazada e-Voucher With Your New Public Bank Credit Card!

Get A RM200 Lazada e-Voucher With Your New Public Bank Credit Card!

Apply online now for Public Bank World MasterCard Credit Card

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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
EarnSpent
3 points on every RM1on overseas retail
1 point on every RM1on 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 OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1% one-time upfront handling feefrom RM500 
6 months0% p.a. and 0% one-time upfront handling feefrom RM6000 
12 months0% p.a. and 2.5% 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)
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 OverWith Interest Rate AtWhen You Spend
6 months1% one-time upfront handling feefrom RM500 
9 months0% one-time upfront handling feefrom RM2000 
12 months2% 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
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 CoverageSum Insured
Travel InsuranceUp 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
RM530.00
  • Free for first year
  • Waived when you spend RM100,000 for subsequent years
Annual Fee for Supplementary Card
RM265.00
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

*inclusive of 6% GST

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

Spend a minimum of RM100,000 in your first year and subsequent years and enjoy a free annual fee waiver on your principal card. Otherwise you'll have to pay RM530 annually for your credit card, including GST. The annual charges for your supplementary cards are RM265 each.

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.

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