Public Bank World MasterCard Credit Card

Public Bank World MasterCard Credit Card


  • Annual Fee: Waived for life
  • Up to RM500,000 travel insurance coverage
  • Earn Air Miles points on every Ringgit spend
  • Travel Cashback: RM1 spent = 3 Air Miles Points for overseas retail purchase
  • RM1 spent = 1 Air Miles Point for local retail purchase
Minimum Monthly Income
Minimum Monthly Income

RM 8

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

0% for 6 months

Annual Fee
Annual Fee

RM 0.00

Credit Card's Promotion

Balance Transfer
Tenure (Month) 6 6 12


Minimum Balance Transfer Amount (RM) 500 - 1,999.99 2,000 and above 1,000 3,000 6,000
One Time Upfront Fee 1.5% 0% 3% 5% 7%



Air Miles

  • Overseas Retail Purchase (every RM1 spend) = 3x Air Miles Points
  • Local Retail Purchase (every RM1 spend) = 1x Air Miles Point

Low redemption at 6,000 Air Miles Points = 1,000 Enrich Miles / 2,000 AirAsia BIG Points. Air Miles validity is three (3) years.


Complimentary Access to Malaysia Plaza Premium Lounge Access

  • 3X complimentary access to any Malaysia Plaza Premium Lounge.


Complimentary Automatic Travel Insurance

  • Up to RM500,000 travel insurance coverage
Low Interest
Tiering Interest Rate (per month) Interest Rate (per annum) Duration
Tier 1



With prompt minimum repayment for 12 months within 12 consecutive months

Tier 2

1.42% 17% With prompt minimum repayment for 10 months and more within the last 12 consecutive months
Tier 3 1.50% 18% Credit cardholders who do not meet the above criteria.



e-Commerce Purchase Protection

Protected for worldwide online purchases of up to USD200 and covers you if:

  • Incomplete delivery or wrong item delivered
  • Improper functioning due to physical damage to delivered items
  • Non-delivery of purchase after 30 days of the scheduled delivery

    Wallet Guard

    Provides worldwide coverage and reimbursement of up to USD200 for costs associated with replacing the wallet - and the items inside it.

    In the event of your wallet or bag is stolen due to Snatch Theft or Robbery, Wallet Guard covers you for costs incurred, including:

  • Replacement costs for the lost or stolen wallet or bag
  • Payment for Payment Cards replacement
  • Payment for replacement of Personal Papers (including but not limited to passport, ID documents, driving license)
Annual fee RM 0.00
Annual fee condition Waived for life
Annual fee for suplementary card RM 0.00
Annual fee condition for supplementary card Waived for life
Minimum monthly payment 5% of the outstanding balance as at statement date or a minimum of RM50, whichever is higher.
Late payment interest Minimum RM10 or 1% of the total outstanding balance as at statement date, whichever is higher subject to a maximum of RM100
Finance charge interest rate per month 1.25%
Finance charge interest rate per year 15%
Cash withdrawal 5% of cash advance amount or minimum RM20, whichever higher
Cash withdrawal interest rate 18% p.a. daily interest from the total cash advance amount
Balance transfer interest rate 0% for 6 months
Balance transfer max valid duration Up to 36 months
Balance transfer lock in period Up to 24 months
Balance transfer early settlement penalty RM100.00

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