What sets the Public Bank UnionPay Lifestyle Debit Card apart from other debit cards?
The Public Bank UnionPay Lifestyle Debit Card is a feature-packed debit card designed to reward you for both saving and spending.
It links directly to your Public Bank UnionPay Savings Account, allowing you to earn interest on your funds while giving you the freedom to shop globally.
It is particularly great for frequent travellers to China or those who enjoy duty-free shopping, offering specific cashback and discount perks that standard debit cards often lack.
What benefits do I get to enjoy?
- Get 1% cashback on all retail purchases made in Mainland China (capped at RM300 monthly).
- Receive RM10 every month if you maintain a minimum average balance of RM10,000 (and perform no over-the-counter transactions).
- Enjoy an interest rate of up to 0.3% p.a. on your savings account balance, calculated daily and credited monthly.
- Save up to 10% at participating international airport duty-free shops.
Any other special features?
Seamless Global Acceptance
Travel the world with confidence knowing your card is accepted at millions of merchant outlets and ATMs globally that display the UnionPay logo.
Whether you are shopping in Asia or travelling further abroad, you can access your funds easily and pay directly from your savings account without the hassle of carrying large amounts of cash.
Fast and Secure Contactless Payments
Speed up your daily checkout experience with the card's convenient contactless functionality. For retail purchases up to RM250, you can tap or wave your card at the terminal to pay quickly without needing to enter a PIN, making your everyday transactions smoother than ever.
Enabled for Online Shopping
Your spending power extends beyond physical stores to the digital world. Once you activate the Card-Not-Present feature via PBe or an ATM, you can shop securely on your favourite e-commerce websites, pay for travel bookings, and handle online subscriptions with total peace of mind.
Are there any fees or charges?
- Annual Fee: RM8.00 (Waived for the first year; subsequently waived with a minimum of 12 swipes per year).
- Issuance / Application Fee: RM8.00 upon opening the account.
- Card Replacement Fee: RM12.00 (for lost or damaged cards).
- ATM Withdrawal Fee:
- Public Bank ATMs: Free.
- MEPS ATMs: RM1.00 per transaction.
- Overseas ATMs: RM12.00 per transaction (plus varying conversion rates).
How about the transaction limits? Are there any?
- Daily Purchase Limit: Default is set to RM5,000 (adjustable up to RM10,000 via PBe Online Banking or at any branch).
- ATM Withdrawal Limit: Standard limit of RM5,000 per day.
- Contactless Limit: Capped at RM250 per transaction without a PIN (Cumulative contactless limit defaults to RM500, reset by performing a PIN transaction).
Am I eligible to apply for this debit card?
If you meet the following requirements, you are eligible to apply for this Public Bank UnionPay Lifestyle Debit Card.
- Individuals aged 12 years and above.
- Must open and maintain a PB UnionPay Savings Account (Minimum initial deposit of RM50).
- Open to Malaysian citizens and permanent residents.
What are the required documents?
Ready to apply? Please prepare the following documents to kick-start your application journey.
- Original MyKad (NRIC) for Malaysians or a Passport for non-residents.
- Cash or fund transfer of RM50 for the minimum opening deposit.
- A valid working permit or student visa (for non-Malaysian applicants, if applicable).
