Public Islamic Bank MasterCard Gold Credit Card-i

No frills Islamic credit card that gives a competitive cash rebate on grocery spending, a 0% balance transfer plan and other banking benefits. Perfect for first-timers.

Public Islamic Bank MasterCard Gold Credit Card-i2% cashback for groceries
Min. Income
Annual Fee
up to 2%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a Complimentary
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worth RM229
when you apply through RinggitPlus *

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Our Previous Winners


Earn 2% cashback on grocery purchases, credited into your account every month, capped at RM30 per monthly statement cycle (combined between Principal and Supplementary accounts).

Grocery Purchases2%RM30from RM1 or above monthly


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

Special offer! Take advantage of savings and flexibility when you transfer your outstanding credit card debts of RM1,000 or above to a Public Bank credit card to benefit from ZERO management fee and a 6-months instalment plan. Apply via PBeBank.

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
6 months1.5% one-time upfront handling feeRM1,000
9 months2% one-time upfront handling feeRM1,000
12 months2.5% one-time upfront handling feeRM1,000
24 months5% one-time upfront handling feeRM2,000
36 months6.5% one-time upfront handling feeRM3,000
48 months9% one-time upfront handling feeRM5,000
Learn more about Public Bank Flexipay Plan

Fees & Charges

Annual Fee
  • RM150 primary card

    Free for first year

    Waived when you swipe 12 times for subsequent years

  • 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
Contact-less Payment Methods
MasterCard PayPass


Minimum Annual Income
Minimum Age
  • 21 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 installment rate as low as 1.5% 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.


A basic-to-intermediate cashback credit card for everyone. Experience hassle-free payment via PIN & PAY or Visa payWave methods, monthly cash rebate, the convenience of online banking at PBe Service and annual fee waiver.

Public Bank Mastercard Online Credit Card Acquisition Campaign 2023

From 1 April until 30 June 2023 (“Campaign Period”), Public Bank is giving away a Huawei Band 7 to eligible applicants who apply for any participating Public Bank/Public Islamic Bank Mastercard credit cards via online channels such as PBe and RinggitPlus, perform spending criteria and an SMS registration, during the Campaign Period. Terms and conditions apply. Let's dive into the campaign mechanics below!

The participating Public Bank/Public Islamic Bank Mastercard credit cards include:

  • Public Bank Quantum Mastercard
  • Public Bank Platinum Mastercard
  • Public Bank World Mastercard
  • Public Bank Gold Mastercard
  • Public Islamic Bank Mastercard Platinum Credit Card-i
  • Public Islamic Bank Mastercard Gold Credit Card-i

On top of the current flash deal, don’t miss this opportunity to win an extra gift! To get the Huawei Band 7, you must:

  1. Be a new-to-bank Principal card member of the participating Public Bank Mastercard Credit Card or Public Islamic Bank Mastercard Credit Card-i.
  2. Apply for the eligible credit card(s) via the PBe channel or RinggitPlus.
  3. Spend an accumulative amount of RM2,000 and perform an SMS registration within 60 days from the card approval date to be eligible for this campaign.

To perform the SMS registration, please enter the following text and send it to 66300.

“PBSM<space>12-digit NRIC number”

The eligible applicants who successfully registered for the campaign will get a confirmation SMS from Public Bank.

Those who are not eligible to participate in this campaign include:

  • Existing Public Bank/Public Islamic Bank Principal card members; and
  • Former Public Bank/Public Islamic Bank Principal card members who have cancelled any of their credit card(s) within 2 years from the date of current application; and
  • Any of those who apply for the eligible PB Mastercard credit card via other channels other than PBe and RinggitPlus; and
  • Employees of the Public Bank Group, its advertising agencies, their immediate families or any other persons connected with the administration of the Campaign.

Get 2% cashback for grocery shopping

Public Islamic Bank MasterCard Gold 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 Hibah Performance Bonus to articulate its Shariah compliance nature. 

The mechanics are similar, which is 2% cashback equals to RM1 spend on your MasterCard Gold Credit Card-i.

While 2% 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 RM30 per monthly statement cycle (combined between Principal and Supplementary accounts).

But remember, only grocery transaction is qualified for this cashback.

Annual fee waivers with Public Islamic Bank MasterCard Gold

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

Plus, you can maintain not paying the annual fees for the subsequent years when you make a minimum of 12 swipes in a year.

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 ZERO management fees and a 6-month instalment plan.

You just have to make sure that the outstanding balances reach RM1,000 or above before being eligible for this balance transfer plan. This special offer can be applied via PBeBank.

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 Gold Credit Card-i at a small fee.

Banking benefits of Public Islamic Bank MasterCard Gold Credit Card-i

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 ATM machines, Public Bank branches, 24-hour help desks and internet banking facilities via PBe Service.

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