Public Bank ING Cobrand Credit Card

Public Bank

Public Bank cobrand with ING Insurance offers you PB ING Credit MasterCard PayPass Card. This card not only give you cash rebate on retail transaction, it also give you 2% rebate for ING insurance premiums when you pay via your PB ING Credit MasterCard PayPass Card.

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 ING Credit MasterCard PayPass Card

PB ING Credit MasterCard PayPass Card


  • 2% Cash MegaBonus on any amount spent for ING Insurance Premiums. (Maximum cash rebates amount is RM2,000 per annum and applicable for ING transaction acquired by PBB at ING branches only – exclude ING premium payments via e-Commerce)
  • 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 3,0000.3%
    up to RM 10,0000.5%
    Above RM 10,0000.6%
  • 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 68, Supplementary RM 38
*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 FeeN/A
Cash Advance FeeMinimum RM 20 or 5%
Minimum Monthly RepaymentMinimum RM 50 or 5%
Over-limit FeeUnknown
Late Payment ChargeMinimum RM 5 or 1%, capped on RM 50
Interest Free Period20 days
Card Replacement Fee1st card – RM 50
2nd card – RM 100
3rd card – RM 150
Conversion For Overseas TransactionsDetermined by MasterCard Worldwide at its absolute discretion plus administration cost of 1.25%.
Sales Draft RequestRM 15/request
Statement RequestRM 5/request

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