What is the Public Bank RCB Elite Debit Card?
This is the highest-tier debit card offered by Public Bank, designed exclusively for RCB Elite members. It combines the functionality of an ATM and Debit card with a membership pass that unlocks the most exclusive banking privileges and highest reward tiers available.
What can I get with this card?
- Attractive Reward Rates: Earn 5x VIP Points on overseas spend (RM3 = 5 Points) and 1 Point for every RM3 spent locally.
- Exclusive Recognition: Serves as your identification for priority treatment at all Public Bank branches and RCB Centres.
- Zero Cost: Enjoy a waiver on the annual fee for life.
- Online Protection: Benefit from e-Commerce Purchase Protection (up to USD200/year) against delivery mishaps or damage.
- Wealth Accumulation: Continue earning interest on your account balance while enjoying the liquidity of a debit card.
What else can I enjoy?
- Contactless Convenience: Tap and go for purchases under RM250 without needing a PIN.
- Global Access: Withdraw cash and pay for goods anywhere Mastercard is accepted globally.
- Secure Shopping: Equipped with 3D Secure technology for safe internet banking and shopping experiences.
Any fees that I should take note of?
- Annual Fee: Free for Life.
- Card Replacement: RM12.00 (charged if the card is lost or stolen).
- Foreign Transaction Fee: 1.25% admin fee plus Mastercard's conversion rate.
- Overseas ATM Fee: RM10.00 per withdrawal at non-Public Bank ATMs.
How about the transaction limits? Are there any?
- Daily Retail Limit: Adjustable up to RM50,000 via PBe or ATM.
- Contactless Limit: RM250 per tap (Cumulative daily limit defaults to RM500).
- ATM Withdrawal: Standard limits apply based on your account settings (typically up to RM10,000).
What are the eligibility criteria?
You must hold a valid individual Current or Savings Account, and must maintain a total deposit of RM1 million or above with Public Bank, to be eligible for this premier debit card.
If you are interested, please prepare the following documents to start your application journey.
- Your original NRIC (MyKad) or Passport.
- A proof of qualifying deposits (RM1 Million+) to verify RCB Elite status.
- A completed Debit Card application form, if not done during account opening.
