PUBLIC Islamic Bank Gold MasterCard Credit Card-i
PUBLIC BANK
Key Features
Enjoy 2% Cash Back on grocery transactions, capped at RM30 per monthly statement cycle
0.1% of your total dining transactions will be donated to Yayasan Waqaf every month.
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Promotion
Groceries
2% cashback on groceries transaction
Other Features
0% Balance Transfer: Convert your outstanding balance from other bank(s) above RM1,000 into a 6-month instalment plan with 0% management fee.
Donation to Yayasan Waqaf: 0.1% of your total dining transactions will be donated to Yayasan Waqaf every month. Donation is capped at RM100 per monthly statement cycle (combined between all Public Islamic Bank Principal and Supplementary accounts)
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
