Public Bank MasterCard Standard

Feature Highlights

  • Pay as low as 1.5% interest for up to 48 months tenure.
  • No first-year annual fee.
  • Zero Interest means there’s NO interest to pay for up to 36 months on retail transactions you choose to convert to Public Bank’s Zero Interest Instalment Plan.

Not one but two EPPs

  • Make your shopping experience more satisfying and less worrying with not one but TWO installment payment plans! When you swipe your credit card at Public Bank’s participating retail stores, you can call the bank to request for ZIIP and choose a tenure that you are most comfortable with to repay the loan as it costs you not a single charge! All you are required is to transact a minimum of RM500 in a single receipt.

Fees and Charges

  • It is RM75 for primary card with the first year being free of charge. It can be waived when the card reaches 12 swipes per year. For supplementary card holders, there is a charge of RM45.

Are You Eligible For The Public Bank MasterCard Standard.

  • Anybody can apply for the Public Bank MasterCard Standard if you are earning a minimum annual income of RM36,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at

Flexibility Fee and Charges

  • Interest Rate
    15% p.a.
  • Annual Fee

Round the Clock Helpdesk

  • Having a midnight credit card emergency? Don’t worry as Public Bank has dedicated 24-hour customer service for you. You can dial 03-2176 8555 to lodge a report on lost or stolen credit card or if you want to find out more about your Public Bank MasterCard Standard status, you can call 03-2176 8000.


  • Customer service consultants will be available 24 hours a day to answer queries you may have on our products and services. For Cash Advance, do note that a preferential fee of 5% will be charged at any Public Bank ATMs and branches nationwide, subject to a minimum cash advance fee of RM20 per withdrawal.

Balance Transfer

  • Why pay high interest charges when you can transfer your credit card debts using the Public Bank Balance Transfer. Pay as low as 1.5% interest for up to 48 months tenure.

Card Information

      • Min. Monthly Income
      • Min. age for principal holder
        21 and above
      • Min. age for supplementary holder
        18 and above
  • Fee for supplementary holder
    Free for life.