Public Bank Platinum MasterCard Credit Card by Public Bank

Product Highlights

Automatic Travel Insurance

FREE Automatic Travel Insurance of up to RM500,000 when the full travel arrangement is charged to your Card.

1x VIP Points

Every ringgit spent with the card will earn 1x VIP Points.

Contactless Function

A fast and convenient way to pay your purchases by simply “waving” your card when prompted by the contactless reader at the checkout for retail purchase of RM250 and below.

Features

Rewards

Earn	Spent In
1 VIP Points Per RM 1	All retail transactions

Exclude casino and petrol transactions, cash advances, balance transfer, transactions at University Tunku Abdul Rahman and Tunku Abdul Rahman University College campus, government-related payments, payments to charity, payments via www.pbebank.com and ATM

Balance Transfer

Pay Over	With Interest Rate At	When You Transfer
6 Months	0% p.a. with 1.5% one-time upfront handling fee	From RM 500
6 Months	0% p.a. with no one-time upfront handling fee	From RM 2,000
12 Months	0% p.a. with 3% one-time upfront handling fee	From RM 1,000
24 Months	0% p.a. with 5% one-time upfront handling fee	From RM 3,000
30 Months	0% p.a. with 7% one-time upfront handling fee	From RM 6,000

Flexipay Plan

Pay Over	With Interest Rate At	When You Spend
6 Months	0% p.a. with 1.5% one-time upfront handling fee	From RM 500
6 Months	0% p.a. with no one-time upfront handling fee	From RM 1,500
9 Months	0% p.a. with 2% one-time upfront handling fee	From RM 2,000
12 Months	0% p.a. with 3% one-time upfront handling fee	From RM 1,000
24 Months	0% p.a. with 5% one-time upfront handling fee	From RM 2,000
36 Months	0% p.a. with 7% one-time upfront handling fee	From RM 3,000

Zero Interest Insallment Plan (Ziip)

Pay Over	With Interest Rate At	When You Spend
3 Months	0% p.a. with no one-time upfront handling fee	From RM 500
6 Months	0% p.a. with no one-time upfront handling fee	From RM 500
9 Months	0% p.a. with no one-time upfront handling fee	From RM 500
12 Months	0% p.a. with no one-time upfront handling fee	From RM 500
18 Months	0% p.a. with no one-time upfront handling fee	From RM 500
24 Months	0% p.a. with no one-time upfront handling fee	From RM 500
30 Months	0% p.a. with no one-time upfront handling fee	From RM 500
36 Months	0% p.a. with no one-time upfront handling fee	From RM 500

Only applicable for participating merchants

Fees and Charges

Annual Fee For Primary Card	RM 388*
Annual Fee For Supplementary Card	RM 150*
Minimum Monthly Payment	RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee	RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100
Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals	18% p.a.

*First year waived. Subsequent years waived when you use your card with a minimum of 12 times p.a.

Interest Rate

15% Per Annum	Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months
17% Per Annum	Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle
18% Per Annum	Tier 3: Cardmembers who do not fall within the above categories

Requirements

Minimum Annual Income	RM 50,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Anyone

Apply for Public Bank Platinum MasterCard Credit Card by Public Bank