Public Islamic Bank MasterCard Gold Credit Card-i

No frills Islamic credit card that gives a competitive cash rebate on grocery spending 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

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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

Transfer your outstanding credit card debts of RM1,000 or above to a Public Bank credit card to benefit from low management fees 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

    Waived when you swipe minimum 12 times over the preceding 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RM20 or 5% of withdrawn amount, whichever is higher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
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 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.


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.

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 the Hibah Performance Bonus to articulate its Shariah compliance nature. 

The mechanics are similar, which is 2% cashback equals RM1 spent 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 transactions are 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 low management fees and longer repayment periods.

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.

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

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