Public Islamic Bank MasterCard Gold Credit Card-i

No frills Islamic credit card that gives competitive cash rebate on grocery spending, 0% balance transfer plan and many banking benefits.

Public Islamic Bank MasterCard Gold Credit Card-iEarn Cashback!
Min. Income
RM2,000/month
Annual Fee
Free*
Cashback
up to 2%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a Complimentary
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worth RM230
when you apply through RinggitPlus3

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Cashback

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). Activate your new credit card and get rewarded with 50% cashback on your first grocery transaction, valid till 31 July 2021. Terms and conditions apply.

Cashback categoryCashback rateMonthly capSpend
on grocery purchases2%RM30from RM1 and above monthly

Premium

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

Balance Transfer

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

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.5% 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

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RM20 or 5% of withdrawn amount, whichever is higher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
18%
Contact-less Payment Methods
MasterCard PayPass

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying 1.5% 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 payment via PIN & PAY or Visa payWave methods, monthly cash rebate, convenient of online banking at PBe Service and annual fee waiver.

Get 2% Cashback with Public Islamic Bank MasterCard Gold Credit Card-i

Public Islamic Bank MasterCard Gold Credit Card-i is a cashback credit card that rewards cash rebate 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, but 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

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.

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 fee 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.

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.

Public Islamic Bank MasterCard Gold Credit Card-i Banking Benefits

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 desk and internet banking facility via PBe Service.