Public Islamic Bank MasterCard Platinum Credit Card-i credit card

Also available as Visa

Public Islamic Bank MasterCard Platinum Credit Card-i

Get free access to Plaza Premium Lounge in Malaysia for principal and supplementary cardholders.

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • up to 0.3% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM352.98 annual fee

Apply online now for Public Islamic Bank MasterCard Platinum Credit Card-i

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Up to 0.3% cashback on your local retail expenses and purchases made abroad.
Discover how much you can save when you shop with your new Public Islamic Bank MasterCard Platinum Credit Card-i
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM1 and above monthly0.3%uncappedfrom RM1 and above monthly
Balance Transfer
Get rid of high interest charges and transfer your credit card outstanding balance to your new Public Bank Islamic credit card at 0% for up to 6 months. Minimum transfer amount is RM6,000.
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 RM6000 
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 what you want when you are with Public Bank Flexipay Plan on your retail purchases of more than RM500 for up to 36 months.
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feefrom RM500 
9 months0% 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
Travel
Charge your full travel arrangements on your Public Bank credit card and get protected automatically with RM1 million travel coverage. Your protection includes loss and delayed flights.
Travel CoverageSum Insured
Travel InsuranceUp to RM1000000
Premium
Get 3x complimentary access to Plaza Premium Lounges in Malaysia.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM352.98
  • Free for first year
  • Waived when you swipe 12 times for subsequent years
Annual Fee for Supplementary Card
RM159.00
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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals
18%
Contact-less Payment Methods
PayPass

All fees & charges are inclusive of 6% GST if applicable

Requirements

Are you eligible for this credit card?

Minimum annual income
RM60000
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
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?

Hibah rebates? Complimentary access to Plaza Premium Lounges across Malaysia? You’ll get it all and more with this Shariah compliant card! Enjoy quick and easy access to your platinum privileges with the MasterCard Platinum Credit Card-i.

Just Tap & Go!

You won’t have to worry if the cashier is swiping your credit card correctly! Have your credit card in hand at all times. Public Islamic Bank MasterCard Platinum Credit Card-i comes with payPass for faster transactions over the counter – it’s a simple Tap and Go on your purchases.

Extra Rewards

Every Ringgit matters with Public Bank Hibah Performance Bonus. Enjoy Hibah rebates of 0.3% on your retail expenses worldwide! Your rewards will be credited to your account.

Some purchases are excluded from earning any Hibah rewards such as petrol, ATM transactions, online shopping, government related payments and transactions at Tunku Abdul Rahman University and Tunku Abdul Rahman University College.

No Annual Fees!

Enjoy your platinum benefits without (platinum) cost! You’ll get a waiver on the first year. For all following years just make a transaction each month, for a total of 12 a year, and get a waiver on your annual fees for life.

Did we mention that this annual fee waiver is applicable for both principal and supplementary card holders? This saves you RM352.98 on your principal card and RM159 for supplementary cards. That’s great savings to start the year!

Plaza Premium Lounge Access

Make a beeline to Plaza Premium Lounge the next time you fly. With your MasterCard Platinum Credit Card-i you’ll get three free complimentary access in a year.

This exclusive privilege is for principal and supplementary card holders.

Takaful Travel Insurance

Public Islamic Bank MasterCard Platinum Credit Card-i offer complimentary automatic takaful travel protection worth RM1,000,000. Travel inconvenience benefits for delayed or lost luggage, missed connections, flight delays and cancellations are also included in your coverage.

Overseas Conversion

If you’re a frequent traveler, you’ll probably want to know how the conversion works each time you swipe your Public Islamic Bank MasterCard Platinum Credit Card-i. 

All overseas transactions will be converted to Malaysian Ringgit based on the US Dollar on the date your purchase is being processed by MasterCard. An additional foreign exchange spread of 1.25% will also be included in the charges.

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