Public Islamic Bank MasterCard Platinum Credit Card-i

An Islamic platinum cashback MasterCard offers 2x free access to airport lounge, free travel Takaful, attractive cashback and annual fee waiver.

Public Islamic Bank MasterCard Platinum Credit Card-iFree Airport Lounge Access
Min. Income
Annual Fee
up to 4%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a Complimentary
Lazada E-Voucher and many more exciting choices!
worth RM230
when you apply through RinggitPlus3

Lazada E-Voucher and many more exciting choices!


4% Cashback is yours for every Ringgit spent on grocery and departmental store purchases, capped at RM30 every month. Activate your new credit card and get rewarded with 50% cashback on your first grocery spending, valid till 31 July 2021. Terms and conditions apply.

Cashback categoryCashback rateMonthly capSpend
on grocery and departmental store purchases4%RM30from RM1 and above monthly


2x complimentary access to Plaza Premium Lounge in Malaysia in a year, and a free travel Takaful worth RM500,000, including claims for travel inconveniences caused by delayed or missed flight and delayed or lost luggage.

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM400
Missed FlightUp to RM400
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM400


Enjoy 50% discount for Will and Wasiat Writing service fee. Every month, 0.1% of your dining spending will automatically be donated to the Yayasan Waqaf, capped at RM100 per monthly statement cycle. Get protected for worldwide e-commerce purchases of up to USD200 with Mastercard's e-Commerce Purchase Protection.

Balance Transfer

Take advantage of savings and flexibility when you transfer your outstanding credit card debts above RM1,500 to Public Bank credit card to benefit the 0% management fee and over 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
  • RM333 primary card

    Free for first year

    Waived when you swipe 12 times for subsequent years

  • RM150 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  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


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.


Elevate your credit card game in sync with your income status with Public Islamic Bank MasterCard Platinum Credit Card-i - a card that speaks your needs with benefits, privileges and uniqueness of its own.

Get 4% Cashback with Public Islamic Bank MasterCard Platinum Credit Card-i

Cashback or cash rebate is one of many life hacks at savings on your credit card expenses. 

To earn Cashback, you only need to swipe your Public Islamic Bank MasterCard Platinum Credit Card-i on grocery and departmental store purchases, with RM1 spent is equal to 4% Cashback.

The 4% Cashback will be credited into your account every month, capped at RM30 per monthly statement cycle (combined between Principal and Supplementary accounts).

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

Complimentary Access to Airport Lounge

Enjoy 2x free access to Plaza Premium Lounge in Malaysia when you flash your MasterCard Platinum Credit Card-i at selected airports. 

In the premium lounge, you get to indulge in the comfort of privacy and exclusivity while waiting for boarding call - what a way to begin a journey.

Free Takaful Coverage from Public Islamic Bank MasterCard Platinum Credit Card-i

For those whose line of works entail business traveling and anyone who is fond of traveling, Public Bank MasterCard Platinum credit card-i is equipped with a complimentary travel Takaful plan that includes claim for inconveniences such as flight delayed, luggage lost/delayed etc.

To qualify for this free travel Takaful coverage of up to RM500,000, all you need to do is make a full travel arrangement such as purchasing flight tickets with your Islamic credit card.

Annual Fee Waiver - Public Islamic Bank MasterCard Platinum Credit Card-i

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

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

Line of Credits

0% Balance Transfer Plan

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

With Public Bank 0% Balance Transfer Plan, you may convert your outstanding balances from different credit cards and enjoy the benefit of 0% management fee into a 6-month instalment plan.

You just need to make sure that the outstanding balances reach minimum RM1,500 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 Platinum credit card at a small fee.