Public Bank Gold MasterCard
No-fuss cashback with the Public Bank Gold Mastercard Credit Card
Eligibility
Minimum Monthly Income
RM 2,000 (RM 24,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Documents required to apply:
You will need to provide several documents such as (varies between different banks):
Salaried Employees (Malaysian)
- A copy of your IC (both sides)
- Latest month's salary slip
- Latest EA statement
- Latest EPF statement
- Letter of Employment or employer confirmation
Self-Employed (Malaysian)
- A copy of your IC (both sides)
- Latest 1 year Tax Returns/Receipts
- Latest 6 months company CASA statement (for company directors)
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for the first year and waived with minimum 12 swipes in the previous 12 months. Otherwise, RM150 for Principal Card and RM100 for Supplementary Card
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Good for Cashback
0.1% unlimited Cash MegaBonus on local and overseas retail purchases
Terms and Conditions
Product review by CompareHero
What Is the Public Bank Gold Mastercard Credit Card?
The Public Bank Gold Mastercard Credit Card is an entry-level rewards credit card designed for everyday spending. With a minimum annual income requirement of RM24,000, the card lets you earn unlimited Cash MegaBonus on eligible local and overseas retail purchases while providing access to PBe online banking.
Benefits of the Public Bank Gold Mastercard Credit Card
- Earn unlimited Cash MegaBonus of 0.1% on eligible local and overseas retail purchases.
- Manage your account anytime through PBe online banking.
Unlimited Cash MegaBonus
The Public Bank Gold Mastercard Credit Card rewards your everyday spending with unlimited Cash MegaBonus.
Earn 0.1% unlimited Cash MegaBonus on eligible local and overseas retail purchases. Cash MegaBonus is accumulated from qualifying spending and can be redeemed through Public Bank's Cash MegaBonus programme. Transactions excluded under the programme's terms and conditions do not earn Cash MegaBonus.
Additional Benefits
You can manage your Public Bank Gold Mastercard Credit Card through PBe online banking, allowing you to access banking services anytime.
If you need assistance, Public Bank's 24/7 Help Desk is available at 03-2170 8000.
Fees and Charges
The Public Bank Gold Mastercard Credit Card offers the following fees and charges:
- Annual fee (principal): First year waived. Subsequent years are waived with a minimum of 12 retail swipes over the preceding 12 months.
- Annual fee (supplementary): First year waived. Subsequent years are waived with a minimum of 12 retail swipes over the preceding 12 months.
- 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 Public Bank Gold Mastercard Credit Card, you must:
- Be 21 years old and above for a principal cardholder.
- Be 18 years old and above for a supplementary cardholder.
- Earn a minimum annual income of RM24,000.
Required Documents
Prepare the following documents when applying for the Public Bank Gold Mastercard 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 Public Bank Gold Mastercard Credit Card with other credit cards on CompareHero and apply online in just a few steps. Eligible applicants may also enjoy exclusive sign-up offers, subject to the campaign's terms and conditions.