Public Islamic Bank MasterCard Platinum Credit Card-i

An Islamic platinum MasterCard that offers attractive cash rebates on grocery and departmental store spending, an annual fee waiver and complimentary airport lounge access.

Public Islamic Bank MasterCard Platinum Credit Card-i4% cashback for groceries
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

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

Grocery and Departmental Store Purchases4%RM30from RM1 or above monthly


Enjoy 2x complimentary access to selected Plaza Premium Lounges in Malaysia. Accompanying guest(s) may get to enjoy a 25% discount on the walk-in rate to the participating lounges too. Terms and conditions apply.


Enjoy a 50% discount on Will and Wasiat's Writing service fees. Every month, 0.1% of your total dining spending will automatically be donated to the Yayasan Waqaf, capped at RM100 per monthly statement cycle. Plus, get your online purchases protected from possible losses by up to USD200 with Mastercard's e-Commerce Purchase Protection.

Balance Transfer

Special offer! Take advantage of savings and flexibility when you transfer your outstanding credit card debts above RM1,500 to a Public Bank credit card with a 6-month instalment plan to enjoy a 0% management fee. You can enrol for this offer by applying from PBeBank. Otherwise, you may choose your preferred tenure below.

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

You can now afford to pay for your dream item with a flexible instalment plan by Public Bank. Stretch your repayments with longer tenure and 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
  • RM333 primary card

    Free for first year

    Waived when you swipe minimum 12 times over the preceding 12 months

  • 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 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.


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

Get 4% cashback with Public Islamic Bank MasterCard Platinum

Cashback or cash rebate is one of many life hacks for 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, which 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 card member, you can now travel comfortably as you get to enjoy 2x complimentary access to any of the selected Plaza Premium Lounge in Malaysia.

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

Find more details about this privilege and check out the participating airport lounges here.

Annual fee waiver with Public Islamic Bank MasterCard Platinum Credit Card-i

You would be happy to learn that you don't need to pay for the 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 an annual fee for the subsequent years when you make a minimum of 12 swipes in a year.

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

You just need to make sure that the outstanding balances reach a minimum of RM1,500 or above before being eligible for this Balance Transfer plan. Thereafter, you can apply for this special BT offer via PBeBank.

Cash Advance

Are you strapping for cash? Make your way to Public Bank branches or any ATM nearby to withdraw some cash from your Visa Platinum credit card at a small fee.

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