Public Islamic Bank MasterCard Platinum Credit Card-i credit card

Also available as Visa

Public Islamic Bank MasterCard Platinum Credit Card-i

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

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • up to 0.2% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM333.00 annual fee

Live Free & Drive Easy with Your New Public Bank Credit Card

Complimentary RM200 AEON Voucher upon RM250 spent


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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Unlimited 0.2% Cash MegaBonus is yours for every Ringgit spent on retail purchases locally and overseas. Getting cashback every month is easy as there is no limit to the credit card usage!
Discover how much you can save when you shop with your new Public Islamic Bank MasterCard Platinum Credit Card-i
Cashback CategoryCashback RateMonthly CapSpend
on retail purchases locally and overseasSpendfrom RM1 and above monthly0.2%uncappedfrom RM1 and above monthly
Balance Transfer
Take advantage of savings and flexibility when you transfer your outstanding credit card debts to Public Bank credit card to benefit from a low one-time upfront interest starting from 0%.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.5% one-time upfront handling feefrom RM500 
6 months0% p.a. and 0% one-time upfront handling feefrom RM2000 
12 months0% p.a. and 3% one-time upfront handling feefrom RM1000 
24 months0% p.a. and 5% one-time upfront handling feefrom RM3000 
36 months0% p.a. and 7% one-time upfront handling feefrom RM6000 
Learn more about Public Bank Balance Transfer
Easy Payment Plan (EPP)
Enjoy low and competitive interest rate starting from 0% p.a. with flexible repayment terms of your choice with Public Bank credit card instalment plans.
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feefrom RM500 
6 months0% one-time upfront handling feefrom RM1500 
9 months2% one-time upfront handling feefrom RM2000 
12 months3% one-time upfront handling feefrom RM1000 
24 months5% one-time upfront handling feefrom RM2000 
36 months7% one-time upfront handling feefrom RM3000 
Learn more about Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM500 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
9 months0% p.a. and no one-time upfront handling feefrom RM500 
12 months0% p.a. and no one-time upfront handling feefrom RM500 
18 months0% p.a. and no one-time upfront handling feefrom RM500 
24 months0% p.a. and no one-time upfront handling feefrom RM500 
30 months0% p.a. and no one-time upfront handling feefrom RM500 
36 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Public Bank Zero Interest Installment Plan
Travel
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 RM500000
Premium
With MasterCard Platinum Credit Card-i, you are entitled to enjoy e-Commerce Purchase Protection of up to US$200, and open a current account at any Public Bank branches without an introducer.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM333.00
  • Free for first year
  • Waived when you swipe 12 times for subsequent years
Annual Fee for Supplementary Card
RM150.00
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals
18%
Contact-less Payment Methods
MasterCard PayPass

Requirements

Are you eligible for this credit card?

Minimum annual income
RM50000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
Public Bank Flexipay Plan
Public Bank Zero Interest Installment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
Public Bank Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Public Islamic Bank MasterCard Platinum Credit Card-i review

What's so good (or not so good) about it?

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.

Unlimited Cash MegaBonus

Cash MegaBonus is one of many lifehacks at savings on your credit card expenses. To earn Cash MegaBonus, you only need to swipe your MasterCard Platinum Credit Card-i on retail purchases, with RM1 spent is equal to 0.2% Cash MegaBonus.

The 0.2% Cash MegaBonus will be credited into your account every month. Interestingly, there's no capping on the cashback amount you will get back. But remember, only retail 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 Protection Plans

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 MasterCard Platinum credit card-i.

Also, you are entitled to claim for compensation on e-Commerce purchases up to US$200, in case your parcel had been delivered elsewhere, or damaged due to improper handling or not arriving within 30-days of scheduled delivery. Voila! Never have to worry again.

Line of Credits

0% Balance Transfer

Recover your sleepless nights and hair falls for worrying over credit card debts with Public Bank Balance Transfer plan, easing your financial distress by offering a zero interest rate and a low one-time upfront charges starting from 0% with repayment terms extended up to 36 months.

You can consolidate up to 4 credit cards and transfer to your Public Bank credit card, subject to 80% of the total available credit limit. The minimum transfer amount should be RM500, with repayment terms ranging from 6, 12, 24 and 36 months.

0% Instalment Plans

Like what you see but can't afford the purchase? With Public Bank’s Zero Interest Installment Plan (ZIIP), you have the privileges to swipe on the goods or services first then repay at a later date, i.e. one month after the successful EPP conversion.

First thing first, check if your merchants are ZIIP-approved, or else you can opt for Public Bank Flexipay Plan, which is also a flexible credit card instalment plan for purchases made at non-participating merchants at a small fee.

But if you're hurry, you can enjoy a 0% p.a. interest on your EPP conversion amount - always check out on Public Bank credit card promotions!

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.

Annual Fee Waiver

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.

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