Public Islamic Bank MasterCard Gold Credit Card-i

Apply for Public Islamic Bank MasterCard Gold Credit Card-i by Public Bank

Earn 0.1% unlimited Hibah Performance Bonus for every Ringgit spent!

Public Islamic Bank MasterCard Gold Credit Card-i
Apply

Product Highlights

Points
Unlimited Hibah Performance Bonus

The Hibah Performance Bonus earned will be credited monthly to the Card Account. There are no minimum qualifying criteria, no maximum limit and no restriction on the usage of the Hibah Performance Bonus.

Good
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.

Free
Fee-Free Period

A 20-day Fee-Free period on all retail purchases, provided all outstanding balances of the previous month, as per the monthly statement, are fully settled within the due date.

Features

Hibah Performance Bonus

Cash back
Hibah Performance Bonus Category Hibah Performance Bonus Rate Monthly Cap Spend
All Retail Purchases 0.1% Uncapped Any amount monthly 
  • Retail purchases exclude casino and petrol transactions, cash advances, balance transfer, transactions at Tunku Abdul Rahman University and Tunku Abdul Rahman University College campus, government-related payments, payments to charity and payments via www.pbebank.com and ATM. 

Balance Transfer

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

36 months
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 Installment Plan (Ziip)

48 months
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 150*
Annual Fee For Supplementary Card RM 100*
Mininum 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 24,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old
Who Can Apply Anyone