• Min. Monthly Income

    RM2,000

  • Interest Rate

    15% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    RM88

Feature Highlights
  • Earn Premium Points from retail spending
  • Travel insurance with coverage of up to RM300,000
Petrol
5.33/10
Groceries
4.8/10
Shopping
4.8/10
Entertainment
4.8/10
Dining
4.8/10

Petrol

  • 1 Premium Point for every RM1 spent

Groceries

  • 1 Premium Point for every RM1 spent

Shopping

  • 1 Premium Point for every RM1 spent

Entertainment

  • 1 Premium Point for every RM1 spent

Dining

  • 1 Premium Point for every RM1 spent

Other Features

  • Protection Plan

    • Travel Accident Insurance with coverage of up to RM300,000 and Travel Inconvenience Coverage covering missed connections, luggage delay, luggage loss, flight delay, flight cancellation if full airfare is charged to this credit card

  • Balance Transfer

    • 0% per annum for a tenure of 6 months with a minimum transfer amount of RM5,000 and above; 0% one-time upfront fee

  • Instalment Plan

    • 0% interest Instalment Payment Plan at all participating merchants

Card Information

Annual Fee RM88
Min. Monthly Income RM2,000
Min. age for principal holder

21

Min. age for supplementary holder

18

Fee for supplementary holder RM48
Finance charges 15% p.a. – prompt payment for 12 consecutive months

17% p.a. – prompt payment for at least 10 out of 12 months

18% p.a. – if the above are not met

Goods & Services Tax (GST)

6% on annual fee and other charges

Late payment charge

Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100

Cash advance amount

RM5,000 per day

Cash advance charge

Higher of RM20 or 5% of cash advance amount

Cash advance interest charge

18% per annum on cash advance amount

Cashback Limit

N/A

Rewards points expiry

3 years

Product Review by iMoney Malaysia

Earn Premium Points!

With Public Bank Executive MasterCard Credit Card, you will be able to earn 1 Premium points from all retail spending such as petrol, dining, entertainment, groceries and shopping. Furthermore, since this card is accepted all across the world, you will be automatically insured up tp RM300,000 if you charge you tickets with this card and you will be able to claim for inconvenience due to luggage delay, luggage loss or many more. You can enjoy swiping this card now as it is the first ever translucent EMV-Chip MasterCard in the world to sport 5 colors in 1 such as Lavender, Pink, Turquoise, Grey or Green.

Fees and Charges

There will be an annual fee of RM93.28 for the principal card and for the supplementary card it is RM50.88. For the Premium Points it will expire in 3 years time from the month it was collected. Moreover, to enjoy a low finance charge of 15% per annum with the Public Bank Executive MasterCard Credit Card, you will need to settle the minimum payment which is 5% of the outstanding balance or RM50 whichever is higher. If you settle your payments promptly for at least 10 out of 12 months then you will be able to enjoy a finance charge of 17% per annum but if you did not meet any of the requirements than you will be charged with the finance charge of 18% per annum. If you are planning to conduct a balance transfer from your current existing credit card, you will be charged with the finance charges of 0% per annum for a tenure of 6 months with a minimum transfer amount of RM5,000 and above.

Are You Eligible For The Public Bank Executive MasterCard Credit Card?

To be eligible to apply for the Public Bank Executive MasterCard Credit Card, you will need to be at least 21 years old with the minimum monthly income of RM2,000 for the principal card and for the supplementary card you will need to be at least 18 years old.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Public Bank Visa Classic Credit Card and RHB Platinum Business Card, which may match your requirements.

If you prefer to broaden your credit card search, review more Public Bank credit cards and start comparing today!