Public Bank World MasterCard Credit Card
A premium travel credit card which gives Air Miles Points, 3x complimentary access to participating Plaza Premium Lounges in Malaysia and free travel insurance!
3X air miles pointsProduct summary
- Min. Income
- RM8,333.33/month
- Annual Fee
- Free
- Balance Transfer
- From 0% p.a.
- Easy Payment Plan
- From 0% p.a.
- Interest Rate
- 15% p.a.
- Interest-free
- 20 days
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Rewards
For every overseas retail purchase, you get to earn 3x Air Miles Points, while local retail purchase gets you 1x Air Miles Point for every RM1 spent. For every 8,500 Air Miles collected, you can redeem either 1,000 Enrich Points or 2,000 AirAsia Points, valid for 3 years only.
| Earn | Spend |
|---|---|
| 3 points on every RM1 | on overseas retail purchase |
| 1 point on every RM1 | on local retail purchase |
Travel
Complimentary 3x access to participating Plaza Premium Lounges in Malaysia per year, and free travel insurance worth up to RM500,000 which includes claims for travel inconveniences caused by delayed or missed flights and delayed or lost luggage. Terms apply!
| Travel Coverage | Sum Insured |
|---|---|
| Travel Insurance | Up to RM500,000 |
| Delayed Flight | Up to RM400 |
| Missed Flight | Up to RM400 |
| Lost Luggage | Up to RM1,000 |
| Delayed Luggage | Up to RM400 |
Balance Transfer
Take advantage of savings and flexibility when you transfer your outstanding credit card debts to a Public Bank credit card to benefit from a low one-time upfront interest.
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 months | 0% p.a. and 1%one-time upfront handling fee | from RM1,000 |
| 12 months | 0% p.a. and 2.5%one-time upfront handling fee | from RM1,000 |
| 24 months | 0% p.a. and 4.5%one-time upfront handling fee | from RM1,000 |
| 36 months | 0% p.a. and 6.5%one-time upfront handling fee | from RM1,000 |
| 48 months | 0% p.a. and 9.5%one-time upfront handling fee | from RM1,000 |
Easy Payment Plans
Enjoy low and competitive interest rates with flexible repayment terms of your choice with a Public Bank credit card instalment plan.
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 12 months | 2% one-time upfront handling fee | RM1,000 |
| 24 months | 4% one-time upfront handling fee | RM1,000 |
| 36 months | 6% one-time upfront handling fee | RM1,000 |
| 48 months | 8% one-time upfront handling fee | RM1,000 |
Fees & Charges
- Annual Fee
- RM0 primary card
Free for life
- RM0 supplementary card
- RM0 primary card
- Sales and Service Tax
- RM25 on each principal and supplementary card upon activation and anniversary date
- Minimum Monthly Payment
- RM50 or 5% of outstanding amount, whichever is higher
- Late Payment Fee
- RM10 or 1% of outstanding amount, up to a maximum of RM100
- Cash withdrawal Fee
- RM20 or 5% of withdrawn amount, whichever is higher
- Interest Rate on Cash Withdrawals
- 18%
- Contact-less Payment Methods
- MasterCard PayPass
Requirements
- Minimum Annual Income
- RM100,000
- Minimum Age
- 21 years old primary card
- 18 years old supplementary card
- Who can apply
- Anybody
Features
- Easy Payment Plan
- Public Bank Flexipay Plan
- Tired of window shopping all the time? You can shop for anything anywhere with an instalment rate as low as 2% with this Public Bank Flexipay Plan.
- Balance Transfer Plans
- Public Bank Balance Transfer
- Fancy paying as low as 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.
Review
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