Public Islamic Bank MasterCard Gold Credit Card-i credit card

Also available as Visa

Public Islamic Bank MasterCard Gold Credit Card-i

Enjoy unlimited 0.2% cashback on everything you spend. For peace of mind, charge your full travel fare to enjoy RM500,000 travel coverage.

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • up to 0.2% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM159.00 annual fee

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 Islamic Bank MasterCard Gold Credit Card-i

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Because you should be rewarded for giving the bank your business

Put back money into your wallet everytime you spend! Get up to 0.2% cashback on local retail and purchases made abroad with your Public Islamic Bank MasterCard Gold Credit Card-i.
Discover how much you can save when you shop with your new Public Islamic Bank MasterCard Gold Credit Card-i
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM1 and above monthly0.2%uncappedfrom RM1 and above monthly
Balance Transfer
Consolidate your credit card balance and transfer to a new low interest Public Bank card and enjoy ZERO interest for 6-months. Minimum credit transfer is RM6,000.
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)
Public Bank offers Public Bank Flexipay Plan on retail purchases exceeding RM500 for up to 36 months.
Free RM500,000 travel insurance automatically when you charge your full travel fare to your Public Islamic Bank MasterCard Gold Credit Card-i.
Travel CoverageSum Insured
Travel InsuranceUp to RM500000

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when you swipe 12 times for subsequent years
Annual Fee for Supplementary Card
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RM21.20 or 5.30% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals
Contact-less Payment Methods

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Balance Transfer
Public Bank Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Public Islamic Bank MasterCard Gold Credit Card-i review

What's so good (or not so good) about it?

Get a lil' extra with the Public Islamic Bank MasterCard Gold Credit-Card-i! Enjoy Hibah rewards on every purchase and complimentary takaful travel insurance with benefits of RM500,000. And don’t forget to take advantage of PayPass for quick and convenient transactions at the cashier – it's just a Tap & Go!

Unlimited Cashback

Earn Hibah performance bonus for every Ringgit that you charge to your MasterCard Gold Credit Card-i with up to 0.2% in cash rebates for grabs! Your cash rewards will be credited to your account based on your monthly retail spending. The good news? There aren't any limits on your cash rebates!

However, some purchases are excluded from giving you Hibah rewards. This includes purchases at petrol stations, online and ATM payments, donations to charity, government related payments, and transactions at Tunku Abdul Rahman University and Tunku Abdul Rahman University College.

RM1 million Takaful Coverage

Travel with greater peace of mind when you charge your full travel fare to your credit card. You’ll be eligible for free Takaful travel insurance with benefits up to RM500,000, as well as compensation benefits for travel inconveniences due to delayed or lost luggage, flight delays, missed connections, cancellations and repatriation expenses.

0% Credit Card Services

Accumulated too much debt on your credit cards? Enjoy big savings when you get a Public Bank Balance Transfer. Pay 0% interest and no upfront handling fees when you transfer more than RM6,000 to your MasterCard Gold Credit Card-i and repay what you owe in 6 months.

Enrol a purchase into one of Public Bank’s easy payment plans ( EPP) and enjoy 0% interest on your monthly repayments. Items bought at participating merchants can be enrolled into Zero Interest Installment Plan. You'll get to choose between repayments tenures from 3 to 36 months, plus you won’t have to pay any upfront handling fees!

Annual Fee Waivers

Never pay any annual fees again! The first year’s annual fee is waived automatically for both principal and supplementary cards. For all subsequent years you can waive your annual fee with a minimum of 12 swipes per year – that’s savings worth RM159 for your principal card and RM106 for each of your supplementary cards!

20 Days Interest-Free

No interest for 20 days on all retail purchases! As long as your outstanding balance from the previous month has been settled in full by the due date, you won’t have to pay the normal rates of 15% - 18% which are compounded daily.

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