What makes the Public Bank Mastercard Lifestyle Debit Card special?
This 2-in-1 convenient card works as your ATM and Debit card in one sleek package. Whether you are withdrawing cash or tapping for coffee, it links directly to your Public Bank Savings or Current Account and deducts money in real time, so you stay within your budget.
What features can I enjoy?
This debit card is accepted anywhere Mastercard is recognised worldwide. You can also enjoy the speed and ease of contactless technology for daily spending by tapping your card for purchases up to RM250 without entering a PIN.
Additionally, you earn monthly interest based on the daily balance of your interest-bearing account, ensuring your money works for you even while you spend.
Tell me more about this card's benefits.
The card keeps your online shopping secure with 3D Secure technology, which protects your online transactions by requiring a One-Time Password (OTP) or approval via PB SecureSign for valid purchases.
For added security, Card-Not-Present (CNP) and overseas retail transactions are deactivated by default, so you can opt in only when you need them.
You also get practical features for everyday errands, such as automated pre-authorisation handling at outdoor petrol pumps. A temporary hold of RM200 is placed when you fuel up and is automatically released within 3 days once the actual amount is settled.
Furthermore, the card lets you make GIRO fund transfers directly at ATMs to pay bills to various payee corporations.
Are there any fees for this card?
- Issuance Fee: RM8.00 (Waived for certain account types).
- Annual Fee: RM8.00 (Waived for Basic Savings/Current Accounts with frequent usage).
- Card Replacement: RM12.00 per card (for lost/stolen cards).
- ATM Withdrawal (Overseas): RM10.00 per transaction.
- Currency Conversion: 1.25% foreign exchange spread on converted amounts.
Any transaction limits?
- Contactless Limit: RM250 per transaction (Cumulative limit defaults to RM500 before PIN is required).
- Purchase Limit: Capped at the available balance in your account or a specific limit prescribed by the Bank (you can adjust this limit).
- Cash Withdrawal: Subject to your account's daily withdrawal limit.
Who is eligible to apply for this debit card?
Any individuals who maintain a valid Savings Account, Current Account, Basic Savings Account, or Basic Current Account with Public Bank are eligible.
Sole proprietors or joint account holders are also eligible, depending on the account mandate.
I'm interested. What documents should I prepare to apply?
- A copy of your NRIC (both sides) for Malaysians.
- A Passport and a valid Working Permit or Student Pass for foreigners.
- Proof of your existing Public Bank account (if you're not opening a new one at the same time).
