Public Bank · Visa Platinum · Cashback

Mutual Gold-PB Visa Platinum By invitation

Good for

By invitation only, for Public Mutual Gold members and above.
Petrol, insurance, e-wallet reloads, government payments and JomPAY earn nothing.
The extra 0.3% birthday cash bonus is paid once a year, up to RM100, or RM300 for Mutual Elite and above.

Cash back, as a share of what you spend.

Spending	Earns	Details
Spending in shops or online	0.2%
Petrol, Insurance, Government / LHDN / JPJ and more	Nothing	Petrol, Insurance, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

How it's paid: Credited to your card account every month From Public Bank's product disclosure sheet of 5 December 2023. The current sheet no longer describes it.
When you lose it: Card cancelled, suspended or restricted by the bank If the bank cancels, suspends or restricts the card, for example after missed payments, the cardmember agreement says all card benefits are cancelled or suspended at once. The bank has no rule written for the cash back itself.

Airport lounges: 2 free visits a year Plaza Premium. For Mutual Elite, Signature, Platinum and Prestige members as at 31 December 2026. The bank sends 2 vouchers, each valid for one year.
Overseas spending fee: 1.25% 1.25% Public Bank spread, on top of the card network's rate

Free. Travel cover starts once you charge the full fare to this card.

Travel accident: Up to RM500,000 Plus up to RM300,000 for your spouse and RM200,000 for your children.
Travel inconvenience: Lost luggage up to RM1,000 Flight delay or missed connection up to RM400. Luggage delay up to RM400. Trip cancellation up to RM400.
Shopping and fraud cover: Not listed Public Bank does not list this cover for this card.
Insurer: Lonpac Insurance Berhad Travel cover.

What it costs if you don't pay in full, or use it for cash.

Annual fee: Free for life No spending needed to keep it free.
Extra (supplementary) cards: Not listed Public Bank's fee table shows N/A for supplementary cards on this card.
Service tax: RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest: 15%, 17% or 18% a year Depends on how reliably you paid over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment: 5% of the balance, or RM50 Whichever is higher, plus any installments and any amount over your limit.
Late payment: 1% of the balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal: RM4.90 plus 0.39% in Malaysia RM5.10 plus 0.65% abroad. Plus 18% a year interest. No interest-free days.

Income: By invitation Not published. The credit limit depends on your Public Mutual investment.
Who: Public Mutual Gold, Elite, Signature, Platinum and Prestige members, by invitation
Age: 21 or older