Public Bank World MasterCard Credit Card credit card

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 

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 World MasterCard Credit Card

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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
EarnSpent
3 points on every RM1on overseas retail
1 point on every RM1on 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 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)
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 OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feefrom RM500 
6 months0% one-time upfront handling feefrom RM1500 
9 months2% 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
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 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 CoverageSum Insured
Travel InsuranceUp to RM500000
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
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?

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 benefit 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-based credit card that gives Air Miles upon retail transaction for a fair conversion rate.

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

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