Mutual Gold Public Bank Visa Platinum
Exclusively for Mutual Gold, Mutual Gold Elite and Mutual Platinum members of Public Mutual Berhad—earn unlimited cashback and Cash Bonus on birthday month!
Eligibility
Minimum Monthly Income
N/A
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Invitation Only
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- Copy of identity card (front & back)
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for life as long as the Mutual Gold/ Mutual Gold Elite/ Mutual Platinum status is maintained with Public Mutual Berhad
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Terms and Conditions
Product review by CompareHero
What Is the Mutual Gold–Public Bank Visa Platinum Credit Card?
The Mutual Gold–Public Bank Visa Platinum Credit Card is a co-branded rewards credit card designed exclusively for Mutual Gold, Mutual Elite, Mutual Signature, Mutual Platinum and Mutual Prestige members of Public Mutual. The card rewards everyday spending with Cash MegaBonus and an annual Mutual Gold Cash Bonus, while offering complimentary travel insurance, selected Plaza Premium Lounge Malaysia access for eligible members, and a Free for Life annual fee as long as the qualifying Public Mutual membership status is maintained.
Benefits of the Mutual Gold–Public Bank Visa Platinum Credit Card
- Free for Life annual fee while maintaining eligible Public Mutual membership status.
- Earn 0.2% unlimited Cash MegaBonus on eligible local and overseas retail purchases.
- Receive an additional 0.3% Mutual Gold Cash Bonus based on eligible retail spending before your birthday month.
- Eligible Mutual Elite, Mutual Signature, Mutual Platinum and Mutual Prestigemembers enjoy2 complimentary accesses to Plaza Premium Lounge Malaysia.
- Enjoy complimentary automatic travel insurance with coverage of up to RM500,000.
- Manage your account anytime through PBe online banking.
- Enjoy 35% off Will and Wasiat Writing Service fees through PB Trustee Services Berhad.
Cash MegaBonus and Mutual Gold Cash Bonus
The Mutual Gold–Public Bank Visa Platinum Credit Card rewards eligible spending with two reward programmes.
Cash MegaBonus
Earn 0.2% unlimited Cash MegaBonus on eligible local and overseas retail purchases.
Selected transactions are excluded from earning Cash MegaBonus under Public Bank's prevailing terms and conditions.
Mutual Gold Cash Bonus
In addition to Cash MegaBonus, cardholders receive an additional 0.3% Mutual Gold Cash Bonus based on eligible monthly retail spending in the months before their birthday month. The bonus is credited to the card account during the birthday month or the following month.
The maximum Mutual Gold Cash Bonus is:
| Public Mutual Membership | Maximum Mutual Gold Cash Bonus |
|---|---|
| Mutual Elite, Mutual Signature, Mutual Platinum and Mutual Prestige | RM300 |
| Mutual Gold | RM100 |
The Cash Bonus entitlement is refreshed on the cardholder's birthday.
Travel and Lifestyle Benefits
Eligible Mutual Elite, Mutual Signature, Mutual Platinum and Mutual Prestige members enjoy 2 complimentary accesses to Plaza Premium Lounge Malaysia.
Eligible cardholders will receive lounge vouchers in accordance with the programme's terms and conditions.
The card also includes complimentary automatic travel insurance with coverage of up to RM500,000, subject to the applicable policy terms and conditions.
Additional Benefits
You can manage your Mutual Gold–Public Bank Visa Platinum Credit Card through PBe online banking, allowing you to access banking services anytime.
Cardholders also enjoy 35% off Will and Wasiat Writing Service fees through PB Trustee Services Berhad.
Fees and Charges
The Mutual Gold–Public Bank Visa Platinum Credit Card offers the following fees and charges:
- Annual fee (principal): Free for Life as long as Mutual Gold, Mutual Elite, Mutual Signature, Mutual Platinum or Mutual Prestige status is maintained with Public Mutual Berhad.
- Government Service Tax: RM25 per card upon activation and every anniversary thereafter.
- Cash advance fee: 5% of the amount withdrawn or RM20, whichever is higher.
- Cash advance interest: 18% p.a., calculated from the transaction date until full repayment.
- Late payment charge: 1% of the outstanding balance, subject to a minimum of RM10 and a maximum of RM100.
- Minimum monthly payment: RM50 or 5% of the outstanding balance, whichever is higher.
Retail transactions are subject to tiered finance charges of 15% p.a., 17% p.a. or 18% p.a., depending on your repayment behaviour.
Eligibility Requirements
To apply for the Mutual Gold–Public Bank Visa Platinum Credit Card, you must:
- Be a Mutual Gold, Mutual Elite, Mutual Signature, Mutual Platinum or Mutual Prestige member of Public Mutual.
- Be 21 years old and above for a principal cardholder.
Additional eligibility requirements and credit assessment apply.
Required Documents
Prepare the following documents when applying for the Mutual Gold–Public Bank Visa Platinum Credit Card.
Identification documents
- MyKad, MyTentera, MyPR, MyKas or Police ID (front and back), where applicable.
- Passport (for passport holders).
Income documents(submit one, where applicable)
- Latest one month's salary slip.
- Latest EA Statement.
- Latest EPF Statement.
- Employment Letter or Employer Confirmation.
- Latest one year's Income Tax Return and Tax Receipt.
- Latest six months' Company CASA Statement (for company directors).
Additional documents
- Valid Work Permit (for passport holders).
Public Bank may request additional supporting documents depending on your application.
How to Apply
Compare the Mutual Gold–Public Bank Visa Platinum Credit Card with other credit cards on CompareHero and apply online if you meet the eligibility requirements. Approval is subject to Public Bank's credit assessment.