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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

CARD BENEFITS CASH BACK CREDIT CARD BENEFITS
Balance Transfer
Tenure (Month) 6 6 12

 24

36
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%

 

Travel

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

1.25%

15%

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.

 

Premium

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)
FEES & CHARGES
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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