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!

Public Islamic Bank Gold MasterCard Credit Card-i1% cashback for groceries
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.
Interest Rate
15% p.a.
Interest-free
20 days

Hear from our users

Find out how Malaysians start making smart financial decisions with us
VIEW MORE >

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 CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Grocery Purchases1%RM10from RM1 or above monthly

Premium

Every month, 0.1% of your total dining spending will automatically be donated to the Yayasan Waqaf, capped at RM100 per monthly statement cycle.

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 OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 2.5% one-time upfront handling feefrom RM1,000
24 months0% p.a. and 4.5% one-time upfront handling feefrom RM1,000
36 months0% p.a. and 6.5% one-time upfront handling feefrom RM1,000
48 months0% p.a. and 9.5% one-time upfront handling feefrom RM1,000
Learn more about Public Bank Balance Transfer

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.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months2% one-time upfront handling feeRM1,000
24 months4% one-time upfront handling feeRM1,000
36 months6% one-time upfront handling feeRM1,000
48 months8% one-time upfront handling feeRM1,000
Learn more about Public Bank Flexipay Plan

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
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
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

A basic-to-intermediate cashback credit card for everyone. Experience hassle-free contactless payments, monthly cash rebate, the convenience of online banking at PBe Service and an annual fee waiver!

Get 1% cashback for grocery shopping

Public Islamic Bank Gold MasterCard Credit Card-i is a cashback credit card that rewards cash rebates to you whenever you swipe on grocery transactions.

Technically speaking, it is called the Hibah Performance Bonus to articulate its Shariah compliance nature. 

The mechanics are similar, which is 1% cashback equals RM1 spent on your Gold MasterCard Credit Card-i.

While 1% may look less profitable, imagine the compounding effect of it on every Ringgit you have swiped. 

The cashback that you get to earn is capped at RM10 per monthly statement cycle (combined between Principal and Supplementary accounts).

But remember, only grocery transactions are qualified for this cashback!

Annual fee waivers with Public Islamic Bank Gold MasterCard Credit Card-i

You would be happy to learn that you don't need to pay for the Public Islamic Bank Gold MasterCard Credit Card-i annual fee in the first year as it is waived by the bank for you.

You can continue to have the annual fees waived by making at least 12 swipes in the previous 12 months!

Beneficial line of credits

0% Balance Transfer Plan

Do you own multiple credit cards? Why not transfer all of your other outstanding balances into a flexible instalment plan instead?

With Public Bank's 0% Balance Transfer Plan, you may convert your outstanding balances from different credit cards and enjoy low management fees and longer repayment periods.

Cash Advance

Are you strapping for cash? Make your way to Public Bank branches or any ATMs nearby to withdraw some cash from your Gold MasterCard Credit Card-i at a small fee.

Banking benefits at your fingertips!

Owning an Islamic credit card from Public Bank opens the door for you to enjoy the many financial benefits this bank has to offer, ranging from banking services to wealth management and insurance products.

To ease your money management, there are many ways to go about it such as ATMs, Public Bank branches, 24-hour help desks and internet banking facilities via PBe Service.

Credit Card » Public Bank

✕

Apply Now

Answer a few questions with our chatbot

PDPA

We protect your personal information in compliance with the PDPA

We respect your privacy and we are committed to handle your personal information safely and responsibly
✕
Search Icon

Header text goes here

Featurebox

Description text goes here