Public Bank offers 4 classes of Master credit cards, Executive and Platinum MasterCard give only reward points while MasterCard Standard and Gold MasterCard give you Cash rebate.

Public Bank also is one of the highest charges on Conversion For Overseas Transactions (Determined by MasterCard International + 1.25% of administration cost). Where you know from our previous post, HSBC bank also charge 1.25%.

PB Executive MasterCard

Benefit

• RM1 = 1 Premium Points (valid for 3 years)
• Free Automatic Travel Insurance of RM 300,000 when you charge your full travel arrangements to your Card.
• Free inconvenience insurance due to Luggage Delay, Luggage Loss, Flight Delay, Missed Connecting Flight, Trip Cancellation and Repatriation expenses (Unknown details).

Annual Income – RM 18,000
Annual Fee – Principle RM 88, Supplementary RM 48
*Free For Life (Principal & Supplementary Cards) – Full 1st year annual fee waiver &
subsequent years annual fee waiver is based on a minimum of 12 swipes over the
proceeding 12 months. Subject to minimum of 1 retail transaction made in a month.

PB MasterCard Standard

Benefit

• Cash MegaBonus earned will be accumulated over 12 months and credited directly to the Card Account on the 13th month, upon renewal of the Cardmembership.
  *Total Monthly Retail Purchases

  up to RM 3,000	0.3%
  up to RM 10,000	0.5%
  RM 10,001 and above	0.6%

• Free Automatic Travel Insurance of RM 300,000 when you charge your full travel arrangements to your Card.
• Free inconvenience insurance due to Luggage Delay, Luggage Loss, Flight Delay, Missed Connecting Flight, Trip Cancellation and Repatriation expenses (Unknown details).

Annual Income – RM 18,000
Annual Fee – Principle RM 75, Supplementary RM 45
*Free For Life (Principal & Supplementary Cards) – Full 1st year annual fee waiver &
subsequent years annual fee waiver is based on a minimum of 12 swipes over the
proceeding 12 months. Subject to minimum of 1 retail transaction made in a month.

PB Gold MasterCard

Benefit

• Cash MegaBonus earned will be accumulated over 12 months and credited directly to the Card Account on the 13th month, upon renewal of the Cardmembership.
  *Total Monthly Retail Purchases

  up to RM 3,000	0.3%
  up to RM 10,000	0.5%
  up to RM 30,000	0.6%
  RM 30,001 and above	0.7%

• Free Automatic Travel Insurance of RM 1,000,000 when you charge your full travel arrangements to your Card.
• Free inconvenience insurance due to Luggage Delay, Luggage Loss, Flight Delay, Missed Connecting Flight, Trip Cancellation and Repatriation expenses (Unknown details).
• Covered by a broad array of emergency assistance services while travelling abroad.
• Open a Current Account at any Public Bank branch without an introducer.

Annual Income – RM 25,000
Annual Fee – Principle RM 150, Supplementary RM 100
*Free For Life (Principal & Supplementary Cards) – Full 1st year annual fee waiver &
subsequent years annual fee waiver is based on a minimum of 12 swipes over the
proceeding 12 months. Subject to minimum of 1 retail transaction made in a month.

PB Platinum MasterCard

Benefit

• Earn Reward Points
  *Total Monthly Retail Purchases

  up to RM 5,000	RM 1 = 1 point
  up to RM 10,000	RM 1 = 1.5 point
  up to RM 30,000	RM 1 = 2 point
  up to RM 60,000	RM 1 = 2.5 point
  up to RM 100,000	RM 1 = 3 point
  Above RM 100,000	RM 1 = 5 point

• Free Automatic Travel Insurance of RM 2,000,000 when you charge your full travel arrangements to your Card.
• Free inconvenience insurance due to Luggage Delay, Luggage Loss, Flight Delay, Missed Connecting Flight, Trip Cancellation and Repatriation expenses (Unknown details).
• Open a Current Account at any Public Bank branch without an introducer.
• 24 hours Dedicated Platinum Prority Line
• 24 hours Concierge Services.
• Purchase protection plan
• Airline Miles Redemption
• Personalise Travel Services

Annual Income – RM 80,000
Annual Fee – Principle RM 333, Supplementary RM 150
*Free For Life (Principal & Supplementary Cards) – Full 1st year annual fee waiver &
subsequent years annual fee waiver is based on a minimum of 12 swipes over the
proceeding 12 months. Subject to minimum of 1 retail transaction made in a month.

Eligibility – Principle 21 years old, Supplementary 18 years old

Joining Fee	N/A RM 100 – Gold card (waived)
Cash Advance Fee	Minimum RM 20 or 5%
Minimum Monthly Repayment	Minimum RM 50 or 5%
Over-limit Fee	Unknown
Late Payment Charge	Minimum RM 5 or 1%, capped on RM 50
Interest Free Period	20 days
Card Replacement Fee	1st card – RM 50 2nd card – RM 100 3rd card – RM 150
Conversion For Overseas Transactions	Determined by MasterCard Worldwide at its absolute discretion plus administration cost of 1.25%.
Sales Draft Request	RM 15/request
Statement Request	RM 5/request

For more information, please visit http://www.pbebank.com/