Public Bank Gold MasterCard

Public Bank Gold MasterCard

Key Features

  • Unlimited Cash MegaBonus of 0.1% on both local and overseas retail purchases

Promotion

Groceries

0.1% cashback at overseas and locally purchases

Petrol

0.1% cashback at overseas and locally purchases

Entertainment

0.1% cashback at overseas and locally purchases

Shopping

0.1% cashback at overseas and locally purchases

Dining

0.1% cashback at overseas and locally purchases

Travel

0.1% cashback at overseas and locally purchases

Utilities

0.1% cashback at overseas and locally purchases

Other Features

Balance Transfer

PUBLIC BANK BALANCE TRANSFER
  • Pay over 6 months with interest rate at 0% p.a. and 1.5%one-time upfront handling fee from RM1,000 transferred
  • Pay over 9 months with interest rate at 0% p.a. and 2%one-time upfront handling fee from RM1,000 transferred
  • Pay over 12 months with interest rate at 0% p.a. and 2.5%one-time upfront handling fee from RM1,000 transferred
  • Pay over 24 months with interest rate at 0% p.a. and 5%one-time upfront handling fee from RM2,000 transferred
  • Pay over 36 months with interest rate at 0% p.a. and 6.5%one-time upfront handling fee from RM3,000 transferred
  • Pay over 48 months with interest rate at 0% p.a. and 9%one-time upfront handling fee from RM5,000 transferred

Easy Payment Plan

PUBLIC BANK FLEXIPAY PLAN
  • Pay over 6 months with interest rate at 1.5% one-time upfront handling fee when spend RM 1,000
  • Pay over 9 months with interest rate at 2% one-time upfront handling fee when spend RM 1,000
  • Pay over 12 months with interest rate at 2.5% one-time upfront handling fee when spend RM1,000
  • Pay over 24 months with interest rate at 5% one-time upfront handling fee when spend RM2,000
  • Pay over 36 months with interest rate at 6.5% one-time upfront handling fee when spend RM3,000
PUBLIC BANK ZERO INTEREST INSTALLMENT PLAN
  • Pay over 3 months with interest rate at 0% p.a. and no one-time upfront handling fee when spend RM 500
  • Pay over 6 months with interest rate at 0% p.a. and no one-time upfront handling fee when spend RM 500
  • Pay over 9 months with interest rate at 0% p.a. and no one-time upfront handling fee when spend RM 500
  • Pay over 12 months with interest rate at 0% p.a. and no one-time upfront handling fee when spend RM 500
  • Pay over 18 months with interest rate at 0% p.a. and no one-time upfront handling fee when spend RM 500
  • Pay over 24 months with interest rate at 0% p.a. and no one-time upfront handling fee when spend RM 500
  • Pay over 30 months with interest rate at 0% p.a. and no one-time upfront handling fee when spend RM 500
  • Pay over 36 months with interest rate at 0% p.a. and no one-time upfront handling fee when spend RM 500

Eligibility

  • Min. age 21 for principal holder
  • RM 150 for fee of principal holder (Free for first year, waived when you swipe 12 times for subsequent years)
  • Min. age 18 for supplementary holder
  • RM 100 for first applicants of supplementary holder

Fees and Charges

  • Late Payment Charge: Minimum RM10 or 1% of the total outstanding balance, up to maximum amount of RM100
  • Cash Advance Amount: Subject to credit limit
  • Cash Advance Charge: RM20 or 5% of withdrawn amount, whichever is higher
  • Cash Advance interest charge: 18%
  • Rewards Points expiry: N/A
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