• Min. Monthly Income

    RM5,000

  • Interest Rate

    15% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    RM333

Feature Highlights
  • 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
Dining
6/10
Shopping
6/10
Travel
6/10
Groceries
5/10
Petrol
5/10

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

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

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

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

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

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

Card Information

Annual Fee RM333
Min. Monthly Income RM5,000
Min. age for principal holder

21

Min. age for supplementary holder

18

Fee for supplementary holder RM150
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

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!