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Public Bank · Platinum Mastercard · Miles

PB Platinum Mastercard

Earns
0.08 miles per RM Dining
Lounge
None
Min income
RM50,000 a year
Annual fee
RM333 Waived at 12 swipes a year
See it on Public Bank's site

Good for

  • 1x VIP Point per RM1 on local and overseas spend, about 0.08 Enrich miles per RM1.
  • Up to RM500,000 travel accident cover, and online purchases covered up to USD200 a year.
  • Annual fee waived when you use the card 12 times a year.

Watch out

  • About 0.08 Enrich miles per RM1 is a low rate, and spend abroad earns no more.
  • Petrol, insurance, e-wallet reloads, government payments and JomPAY earn no points.
  • VIP Points expire after 3 years.

What it earns

VIP Points, per RM spent, and the miles they make in Enrich.

SpendingEarnsDetails
Spending in shops or online1 point per RM 0.08 miles per RM.
Petrol, Insurance, Government / LHDN / JPJ and moreNothing 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.

Points and transfers

Enrich
12,500 points for 1,000 miles Moved in blocks of 12,500 points.

Travel

Airport lounges
None
Overseas spending fee
1.25% 1.25% Public Bank spread, on top of the card network's rate

Insurance

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
Online purchases up to USD200 Covers items not delivered, wrong or incomplete, or damaged. USD200 a year in total.
Insurer
Lonpac Insurance Berhad Travel cover. Online purchase cover is from AIG Malaysia.

Fees and charges

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

Annual fee
RM333 Free the first year. Waived after 12 purchases in a year.
Extra (supplementary) cards
RM150 a year First year free, then waived after 12 transactions a year.
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
RM1.20 plus 0.01% in Malaysia RM3.80 plus 0.29% abroad. Plus 18% a year interest. No interest-free days.

Who can apply

Income
RM50,000 a year or more
Age
21 or older Extra cardholders from 18.
Documents
  • Employees: your latest payslip, EA statement, EPF statement or employment letter
  • Self-employed: your latest year's tax return or tax receipt. Company directors also need 6 months of company account statements
  • Overtime, commission or fee income: the latest 6 months of payslips or statements showing it
  • Income from abroad: your latest 3 months' payslips and an employment letter

Other perks

Pay by phone
Google Pay, Samsung Pay
Card network
Platinum Mastercard

Where this comes from