Public Bank World MasterCard Credit Card

A premium travel credit card which gives Air Miles Points, 3x complimentary Plaza Premium Lounge Access and free travel insurance!

Public Bank World MasterCard Credit Card3X bonus air miles
Min. Income
RM8,333.33/month
Annual Fee
Free
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a Complimentary
RM200 Lazada e-voucher or Morgan 12L Food Steamer
worth RM200
when you apply through RinggitPlus
Terms and conditions apply

RM200 Lazada e-voucher or Morgan 12L Food Steamer

Our Previous Winners

  • CyndySia
  • NurNabilah
  • PavithranSelvaraj
  • Wei Cang
  • Yazid
  • Hoay Ting

Rewards

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 Ringgit spend. For every 8,500 Air Miles collected, you can redeem with 1,000 Enrich Miles or 2,000 AirAsia BIG Points.

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

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 RM500,000
Delayed FlightUp to RM400
Missed FlightUp to RM400
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM400

Premium

Get your shopping goods protected with e-Commerce Purchase Protection of up to USD200. Enjoy 50% off for your Will and Wasiat Writing service fee.

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 1.5%.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.5% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 5.5% one-time upfront handling feefrom RM3,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM6,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

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.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feeRM1,000
9 months2% one-time upfront handling feeRM2,000
12 months3% one-time upfront handling feeRM1,000
24 months5.5% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
48 months9.5% one-time upfront handling feeRM5,000
Learn more about Public Bank Flexipay Plan
Public Bank Zero Interest Installment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM500
9 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
30 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about Public Bank Zero Interest Installment 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
18%
Contact-less Payment Methods
PayPass

Requirements

Minimum Annual Income
RM100,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
Public Bank Flexipay Plan
Tired of window shopping all the time? You can shop for anything at anywhere with installment rate as low as 1.5% with this Public Bank Flexipay Plan.
Public Bank Zero Interest Installment Plan
Zero Interest means there's NO interest to pay for up to 36 months on retail transactions you choose to convert to Public Bank's Zero Interest Instalment Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying 1.5% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.

Review

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.

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.

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 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 reached 8,500 Air Miles, you can redeem 1,000 Enrich Miles (if you are an avid fan of our national steel bird) or 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 from Public Bank World MasterCard Credit Card

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

Shop locally or abroad with peace of mind knowing that your purchases are covered of 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 seller has failed to refund
  • Improper functioning of the item(s) as a result of physical damage and seller has failed to refund

Complimentary Airport Lounge Access by Public Bank World

Enjoy 3x free access to Plaza Premium Lounge in Malaysia when you flash your Public Bank 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.

Public Bank World MasterCard Credit Card Line of Credits

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 of 1.5%, low minimum spending requirement and flexible repayment terms.

Cash Advance

Are you strapping for cash? 

Make your way to Public Bank branches or any ATMs nearby to withdraw some cash from your Public Bank World MasterCard credit card at a small fee.

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