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, deducting funds in real-time so you always 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 your daily spending by simply tapping your card for purchases up to RM250 without needing to enter 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 the benefits of this card.
The card ensures your online shopping is secure through 3D Secure technology, which protects your internet 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, giving you full control to opt in only when you need to use 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 allows you to perform GIRO fund transfers directly at ATMs to pay bills to various payee corporations conveniently.
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 (Local MEPS): RM1.00 per transaction (Waived at Public Bank ATMs).
- 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, depending on account mandate, are also eligible.
I'm interested. What documents should I prepare to make an application?
- 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 not opening a new one simultaneously).
