Public Bank World MasterCard

Apply for Public Bank World MasterCard by Public Bank

Earn reward points which you can use to redeem free flights at a rate of 6,000 points = 1,000 Enrich Miles/2,000 AirAsia BiG points. On top of that, this card comes with a host of other travel benefits too. For a limited time, get your annual fee WAIVED FOR LIFE if you get your card approved before 30 June 2016

Public Bank World MasterCard
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Product Highlights

Travelling
3X Air Miles Points

Earn up to 3X Air Miles Points which you can use to redeem free flights at a rate of 6,000 AMP = 1,000 Enrich Miles/2,000 AirAsia BiG Points

Pass
Plaza Premium Lounge Access

Enjoy 5X complimentary visits per year to plaza premium lounges in Malaysia!

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
Lifetime Annual Fee Waiver*

For a limited time only, have your card's annual fee waived for life if your card is approved and activated by 30 June 2016

Features

Cash Back

Cash back
Cash Back Category Cash back Rate Monthly Cap Spend
All Local Retail 8% RM80 any amount monthly
Dining 50% RM50 any amount monthly
  • 50% dining cash back only available on Fridays.

Airmiles Rewards

Travel
Earn Spent
3 Airmiles points on every RM1 on overseas retail expenses
1 Airmile point on every RM1 on local retail expenses
  • Air Miles Points expire after 3 years.

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 RM530
Annual Fee for Supplementary Card RM265
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 150,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old