Public Islamic Bank MasterCard Platinum Credit Card-i

An Islamic platinum cashback MasterCard that offers attractive cashback on grocery and departmental store spending, including annual fee waiver.

Public Islamic Bank MasterCard Platinum Credit Card-i4% cashback for groceries
Min. Income
RM3,333.33/month
Annual Fee
Free*
Cashback
up to 4%
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
RM200 Lazada e-voucher or Morgan 12L Food Steamer
worth RM200
when you apply through RinggitPlus
Terms and conditions apply

RM200  Lazada e-voucher or  Morgan 12L Food Steamer

Our Previous Winners

Cashback

4% cashback is yours for every Ringgit spent on grocery and departmental store purchases, capped at RM30 every month.

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

Travel

Enjoy 2x complimentary access to Plaza Premium Lounge in Malaysia. Accompanying guest(s) may get to enjoy 25% discount on walk-in rate to the participating lounges too.

Premium

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RM20 or 5% of withdrawn amount, whichever is higher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

Requirements

Minimum Annual Income
RM40,000
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

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 Plaza Premium Lounge in Malaysia

Travelling is indeed tiring, but as an eligible cardmember, you can now travel comfortably as you get to enjoy 2x complimentary access to any of the Plaza Premium Lounge in Malaysia.

Plus, your accompanying guest(s) may enjoy 25% discount on walk-in rate to the participating lounges as well.

You can check out the participating lounges here.

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.