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!

Public Bank World MasterCard Credit CardFree for Life
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a FREE
RM180 Lazada e-voucher
worth RM180
when you apply through RinggitPlus3

RM180 Lazada e-voucher


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
3 points on every RM1on overseas retail
1 point on every RM1on local retail


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


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.

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% 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% 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
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 approval 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


Minimum Annual Income
Minimum Age
  • 21 years old  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 at anywhere with instalment rate as low as 1% 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% 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 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). 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.