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Public Bank Platinum MasterCard

Public Bank Platinum MasterCard

Earn up to 2 VIP Points for every RM1 spent. On top of that, enjoy free automatic travel insurance of up to RM1Million too!

Interest Rate

15.0% p.a.

Balance Transfer

0.0% p.a.

Cashback

N/A

Annual Fee

Free*

Points
2X VIP Points

Earn 2X VIP points for overseas transactions and 1X VIP Points for local transactions. Use your points to redeem amazing gifts and vouchers

Travel protection
Free Travel Insurance

Enjoy free Flight Travel Personal Accident coverage up to RM1,000,000 as well as Credit Card Balance insurance coverage.

Fees
Annual Fee Waiver

First 3 years annual fee waived, thereafter waived with a minimum spend of RM 5,000 or if you swipe 12 times within a 12 month period.

Features

Cash Back

Cash back
Cash Back Category Cash back Rate Monthly Cap Spend
Dining 50% RM50 any amount monthly
  • 50% dining cash back only available on Fridays.

Rewards

Local rewards
Earn Spent On
1 points on every RM1 local retail transactions
2 points on every RM1 overseas retail transactions

Balance Transfer

Balance transfer
Pay Over With Interest Rate At When You Transfer
6 months 0% p.a. and 1% one-time upfront handling fee from RM500
6 months 0% p.a. and 0% one-time upfront handling fee from RM6000
12 months 0% p.a. and 2.5% one-time upfront handling fee from RM1000
24 months 0% p.a. and 5% one-time upfront handling fee from RM3000
36 months 0% p.a. and 7% one-time upfront handling fee from RM6000

Easy Payment Plan

Easy payment
Pay Over With Interest Rate At When You Spend
6 months 1% one-time upfront handling fee from RM500
9 months 0% one-time upfront handling fee from RM2000
12 months 2% one-time upfront handling fee from RM1000
24 months 5% one-time upfront handling fee from RM2000
36 months 7% one-time upfront handling fee from RM3000
  • Buy the things you've always wanted with payment terms of up to 24 months and low interest rates.

Fees and Charges

Annual fee RM352.98
Annual Fee for Supplementary Card RM159
Minimum monthly payment RM50 or 5% of outstanding amount
Late payment fee RM10 or 1% of outstanding amount, up to maximum of RM100
Cash withdrawal fee RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest rate on cash withdrawals 18%
*inclusive of 6% GST

Interest Rate

15% Interest Rate Per Annum Tier 1: Cardholders with prompt payments for 12 consecutive months
17% Interest Rate Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
18% Interest Rate Per Annum Tier 3: Cardholders who do not fall under the above categories.

Requirements

Minimum Annual Income RM 60,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old

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