Public Islamic Bank Gold MasterCard Credit Card-i
A no-frills Islamic credit card that gives a 1% cash rebate on your grocery spending, plus the convenience of online banking benefits, and an annual fee waiver—perfect for beginners!
1% cashback for groceriesProduct summary
- Min. Income
- RM2,000/month
- Annual Fee
- Free*
- Cashback
- up to 1%
- Balance Transfer
- From 0% p.a.
- Easy Payment Plan
- From 0% p.a.
- Profit Rate
- 15% p.a.
- Profit-free Period
- 20 days
Hear from our users
Find out how Malaysians start making smart financial decisions with us
Hear from our users Sign Up Offers
Cashback
Earn 1% cash back on grocery purchases, credited into your account every month, capped at RM10 per monthly statement cycle (combined between Principal and Supplementary accounts).
| CASHBACK CATEGORY | CASHBACK RATE | MONTHLY CAP | SPEND |
|---|---|---|---|
| Grocery Purchases | 1% | RM10 | from RM1 or above monthly |
Balance Transfer
Transfer your outstanding credit card debts above RM1,500 into a 6-month instalment with 0% management fees to a Public Bank credit card. Enjoy the benefit of lower interest and longer repayment tenures.
| Pay Over | With Profit Rate At | When You Transfer |
|---|---|---|
| 6 months | 0% p.a. and 1% one-time upfront handling fee | from RM1,000 |
| 12 months | 0% p.a. and 2.5% one-time upfront handling fee | from RM1,000 |
| 24 months | 0% p.a. and 4.5% one-time upfront handling fee | from RM1,000 |
| 36 months | 0% p.a. and 6.5% one-time upfront handling fee | from RM1,000 |
| 48 months | 0% p.a. and 9.5% one-time upfront handling fee | from RM1,000 |
Easy Payment Plans
Stretch your expensive purchase with a flexible instalment plan by Public Bank. Choose from choices of longer repayment tenures with low one-time upfront fees.
| Pay Over | With Profit Rate At | When You Spend |
|---|---|---|
| 12 months | 2% one-time upfront handling fee | RM1,000 |
| 24 months | 4% one-time upfront handling fee | RM1,000 |
| 36 months | 6% one-time upfront handling fee | RM1,000 |
| 48 months | 8% one-time upfront handling fee | RM1,000 |
Fees & Charges
- Annual Fee
- RM150 primary card
Free for first year and waived when you make at least 12 swipes in the previous 12 months
- RM100 supplementary card
- RM150 primary 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 Compensation
- RM10 or 1% of outstanding amount, up to a maximum of RM100
- Cash withdrawal Fee
- RM1.20 or 0.01% of withdrawn amount, whichever is higher
- Profit Rate on Cash Withdrawals
- 18%
- Contact-less Payment Methods
- MasterCard PayPass
Requirements
- Minimum Annual Income
- RM24,000
- Minimum Age
- 21 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 anywhere with an instalment rate as low as 2% with this Public Bank Flexipay Plan.
- Balance Transfer Plans
- Public Bank Balance Transfer
- Fancy paying as low as 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.
Review
Public Bank Quantum Visa
- Min. Income
- RM3,000/month
- Annual Fee
- Free
- Cashback
- up to 1%
Public Bank Petron Visa Gold
- Min. Income
- RM2,000/month
- Annual Fee
- Free
- Cashback
- up to 5%
Public Islamic Bank Visa Gold Credit Card-i
- Min. Income
- RM2,000/month
- Annual Fee
- Free*
- Cashback
- up to 1%
Public Bank Visa Platinum
- Min. Income
- RM4,166.67/month
- Annual Fee
- Free*
- Cashback
- up to 0.2%
Public Bank AIA Visa Gold
- Min. Income
- RM2,000/month
- Annual Fee
- Free
- Cashback
- up to 0.2%
Public Bank Visa Signature
- Min. Income
- RM6,666.67/month
- Annual Fee
- Free*
- Cashback
- up to 2%
Public Islamic Bank Visa Platinum Credit Card-i
- Min. Income
- RM3,333.33/month
- Annual Fee
- Free*
- Cashback
- up to 2%
Public Bank Visa Gold
- Min. Income
- RM2,000/month
- Annual Fee
- Free*
- Cashback
- up to 0.1%
Public Bank Visa Infinite
- Min. Income
- RM8,333.33/month
- Annual Fee
- Free
- Cashback
- up to 1%
Public Bank Quantum MasterCard
- Min. Income
- RM3,000/month
- Annual Fee
- Free
- Cashback
- up to 2%
Public Islamic Bank Platinum MasterCard Credit Card-i
- Min. Income
- RM3,333.33/month
- Annual Fee
- Free*
- Cashback
- up to 2%
Public Bank Gold MasterCard
- Min. Income
- RM2,000/month
- Annual Fee
- Free*
- Cashback
- up to 0.1%
Public Bank Platinum MasterCard
- Min. Income
- RM4,166.67/month
- Annual Fee
- Free*
- Cashback
- No
Public Bank World MasterCard Credit Card
- Min. Income
- RM8,333.33/month
- Annual Fee
- Free
- Cashback
- No
Public Islamic Bank Gold MasterCard Credit Card-i
- Min. Income
- RM2,000/month
- Annual Fee
- Free*
- Cashback
- up to 1%
Public Bank Visa Business
- Min. Income
- N/A
- Annual Fee
- Free*
- Cashback
- up to 0.8%
Public Bank Visa Commercial
- Min. Income
- N/A
- Annual Fee
- Free*
- Cashback
- up to 0.5%
Mutual Gold Public Bank Visa Platinum
- Min. Income
- N/A
- Annual Fee
- Free
- Cashback
- up to 0.3%
✕
