Logo

Public Bank Platinum MasterCard Credit Card

Enjoy free travel insurance and no annual fees.

  • icon Min. Monthly Income
    Min. Monthly Income
    RM 4166
  • icon Interest Rate
    Interest Rate
    15% p.a.
  • icon Cashback
    Cashback
    -
  • icon Annual Fee
    Annual Fee
    RM 333

Key Features

  • Every ringgit spent with the card will earn VIP Points
  • Earn 2x VIP Points on overseas retail transaction
  • Up to 0.9% cashback for all spend
  • icon dining Dining

    • 1 VIP point for every RM1 spent if total monthly spending is RM30,000 and below
    • 2x VIP points for every RM1 spent if total monthly spending is RM30,001 and above
    • 2x VIP Points on overseas retail transaction
    • Up to 0.9% cashback
  • icon shopping Shopping

    • 1 VIP point for every RM1 spent if total monthly spending is RM30,000 and below
    • 2x VIP points for every RM1 spent if total monthly spending is RM30,001 and above
    • 2x VIP Points on overseas retail transaction
    • Up to 0.9% cashback
  • icon travel Travel

    • 1 VIP point for every RM1 spent if total monthly spending is RM30,000 and below
    • 2x VIP points for every RM1 spent if total monthly spending is RM30,001 and above
    • 2x VIP Points on overseas retail transaction
    • Up to 0.9% cashback
  • icon groceries Groceries

    • 1 VIP point for every RM1 spent if total monthly spending is RM30,000 and below
    • 2x VIP points for every RM1 spent if total monthly spending is RM30,001 and above
    • Up to 0.9% cashback
  • icon petrol Petrol

    • 1 VIP point for every RM1 spent if total monthly spending is RM30,000 and below
    • 2x VIP points for every RM1 spent if total monthly spending is RM30,001 and above
    • Up to 0.9% cashback

icon tag Other Features

  • Protection Plan: Travel Accident Insurance with coverage of up to RM2,000,000 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

icon petrol Card Information

Annual Fee Free for first year, Waived when you swipe 12 times for subsequent years
Min. Monthly Income RM 4166
Min. age for principal holder 21
Fee for principal holder RM 333
Min. age for supplementary holder 18 years old
Fee for supplementary holder RM150
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
Rewards points expiry 3 years

icon review
Product Review by

The VIP Card

With Public Bank Platinum MasterCard Credit Card, you will be rewarded 2x VIP points on overseas retail bargains and local purchases like dining, shopping, travel, groceries and petrol but this is only available if you monthly spending is at least RM30,001. If you fail with the requirement than you will only be rewarded with 1 VIP points. You may also turn your VIP points into free flights. On top of that, you will be able to earn cashbacks if you spend on luxury brand merchants. With Public Bank Platinum MasterCard Credit Card, you are entitled to enjoy amazing dining and shopping deals all around the world with exclusive hotel and golf privileges. With this card, you will be provided with Travel Accident Insurance coverage of up to RM2,000,000 and Travel Inconvenience Coverage covering missed connections, luggage delay or loss and more more if your airfare is charged on this credit card.

Fees and Charges

There is an annual fee of RM352.98 for the principal card and as for the supplementary card, it is RM159. For the Rewards Points, it will expire in 3 years time from the day it was collected. Moreover, to enjoy a low finance charge of 15% per annum, 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 any balance transfer, you will be charged with the finance charge of 0% per annum for tenure of 6 months.

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

To be eligible to apply for Public Bank Platinum MasterCard Credit Card, you must be at least 21 years old with a minimum monthly income of RM5,000 (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 Platinum Credit Card and UOB Kad Preferred Platinum, which may match your requirements.

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