Public Bank · World Mastercard · Miles

PB World Mastercard

Good for

Spend abroad. 5x Air Miles Points per RM1, about 0.4 Enrich miles per RM1.
No annual fee for life, for you and your supplementary cards.
5 free Plaza Premium lounge visits a year worldwide, and up to RM500,000 travel accident cover.

Local spend earns only 1x points, about 0.08 Enrich miles per RM1.
Petrol, insurance, e-wallet reloads, government payments and JomPAY earn no points.
Spend in a foreign currency carries a 1.25% fee.

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

Spending	Earns	Details
Spending in a foreign currency	5 points per RM	0.4 miles per RM.
Spending in ringgit	1 point per RM	0.08 miles per RM.
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.

Airport lounges: 5 free visits a year Plaza Premium. Worldwide. Each visit needs RM1,000 of spend in the 30 days before or after it. Shared with your supplementary cards. The current program runs to 31 December 2026.
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: 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.

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: Free for life
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.

Income: RM100,000 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