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Credit/Debit Cards

PB Credit Cards
No. Type of Charges Amount
1 Annual fees:
Card Type Principal Supplementary
Visa Infinite Annual fee waiver for life for both Principal and the first Supplementary card.

Note: Second and subsequent Supplementary cards issued will be charged an annual fee of RM250.00 per Supplementary card.
World Mastercard Free-For-Life without condition
Visa Signature RM388.00 RM200.00
Quantum Visa/Mastercard Free-For-Life without condition
Visa Platinum/PB Platinum Mastercard RM333.00 RM150.00
Mutual Gold-PB Visa Platinum Credit Card Annual fee waiver for life as long as the Mutual Gold/ Mutual Gold Elite/ Mutual Platinum status is maintained with Public Mutual Berhad. N/A
PB Visa Gold/PB Gold Mastercard RM150.00 RM100.00
Petron Visa Gold Free-For-Life without condition
AIA Visa Gold Credit Card Free-For-Life without condition
Visa Classic/Mastercard RM75.00 RM45.00
2 Joining fee:
  • Principal
  • Supplementary
  
  • N/A
  • N/A
3 Finance Charge


- FAQ
No. Repayment Behaviour Finance Charge
a. With prompt minimum repayment for 12 months within 12 consecutive months. 15% p.a of the total outstanding balance.
b. With prompt minimum repayment for 10 months and more within the last 12 consecutive months.. 17% p.a. of the total outstanding balance.
c. Credit cardholders who do not meet the above criteria. 18% p.a. of the total outstanding balance.

 

Note: The tiered Finance Charge is only applicable to the outstanding balances arising from Non-Cash Advance Transactions. Balances accrued from Cash Advance will be charged a finance charge at 18% p.a. Finance Charge is calculated on all the outstanding balances, including finance charges and other fees and charges (except late payment charge) on a daily basis until full repayment.
4 Cash Advance Fee
  • Public Bank Branches/ATMs: 5%
  • Affiliated Banks and Financial Institutions Worldwide: 5%
A one-time cash advance fee will be charged for the amount of cash advance or a minimum of RM20.00, whichever is higher. In addition, Finance Charge will be computed on each cash advance calculated from the date the cash is advanced until the date it is settled in full.
5 Late Payment Charge Failure to make the Minimum Payment by the Due Date, a further charge of a minimum of RM10.00 or 1% of total outstanding balance as at statement date, whichever is higher, capped to a maximum of RM100.00, shall be debited to the Card Account.
6 Minimum Monthly Repayment 5% of the total Current Balance together with the total amount of Monthly Instalment (if any) and the whole amount in excess of the Credit line (if any) or a minimum of RM50, whichever is higher.
7 Interest-Free Period for Retail Purchase A 20-day Interest-Free Period on all retail purchases, provided all outstanding balances of the previous month, as per the monthly statement, are fully settled within the due date. Where the Interest-Free Period is not applicable, Finance Charge as per applicable tiered rate per month will be levied on all retail purchases from the date the retail purchases are posted.
Note: Retail Purchases exclude Cash Advance, Balance Transfer and any other credit plans.
8 Conversion of Overseas Transactions Transactions incurred will be converted to Ringgit Malaysia using US Dollar as the base currency on the date the item is received and/or processed at such exchange and at such time as may be determined by Visa International Mastercard Worldwide at its absolute discretion plus foreign exchange spread of 1.25%. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Cardmember shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred.
9 Card Replacement Penalty
  • 1st Card : RM50.00
  • 2nd Card: RM100.00
  • 3rd Card: RM150.00
PB World Mastercard Credit Card : RM50 for every replacement card
10 Sales Draft Retrieval Fee RM15.00 per set

PB World Mastercard Credit Card : RM10.00 per duplicate set
11 Monthly Hardcopy Statement Fee RM1.00 per hardcopy statement

The Monthly Hardcopy Statement Fee is excluded for PB Visa Classic / Standard Mastercard Credit Cardmembers, senior citizens (60 years old and above), disabled Cardmembers and Cardmembers facing difficulties accessing their E-Statements.
12 Additional Statement Request Fee RM5.00 per set
13 Early Settlement / Exit Penalty Balance Transfer: RM100.00
Flexi Payment Plan: RM100.00 (Not applicable for PB World Mastercard Credit Card)
Flexi Payment Plan: RM50.00 (For PB World Mastercard Credit Card)
14 Credit Card Service Tax RM25 per annum on the Principal Card; and
RM25 per annum on each Supplementary Card


PB Visa Business Card
No. Type of Charges Amount
1 Annual fees: Full first year annual fee waiver.
Card Type Annual fee
PB Visa Business Card RM 150.00
Annual Fee above can be waived with minimum 12 swipes per card / per year.
2 Joining fee:   N/A
3 Finance Charge
 
Finance Charge Retail Purchase* 15% p.a. With prompt payments for 12 consecutive months
17% p.a. Make 10 / 11 times prompt payments in the last 12 months
18% p.a. Make 9 or less prompt payments in the last 12 months
Cash Advance 18% p.a. Finance Charge for Cash Advance.

Note: *To enjoy lower finance charge for retail purchase, you should make at least 10 prompt payments in the last 12 months. The tiered Finance Charge is only applicable to the outstanding balances arising from retail purchases.

4 Cash Advance Fee

Cash Advance Fee (one-time fee)

  • Public Bank Branches / ATMs
  • Affiliated Banks and Financial Institutions Worldwide
 5% of amount withdrawn or RM20.00, whichever is higher
Finance Charge for Cash Advance 18% per annum, finance charge will be computed on each cash advance calculated from the date the cash is advanced until the date it is settled in full.
5 Late Payment Charge

Failure to make the Minimum Payment by the Due Date, a further charge of a minimum of RM10 or 1% of total outstanding balance as at statement date, whichever is higher, capped to a maximum of RM100, shall be debited to the Business Card Account.
6 Minimum Monthly Repayment

5% of the outstanding balance as at statement date or a minimum of RM50, whichever is higher.
7 Interest-Free Period for Retail Purchase A 20-day Interest Free Period on all retail transactions, provided all outstanding balances of the previous month, as per the monthly statement, are fully settled within the due date. Interest free period is not applicable to non-retail transactions.
Note: Retail transactions exclude Cash Advances
8 Overseas Transactions Conversion Fee

Transactions made in foreign currency will be converted to Ringgit Malaysia using US Dollar (USD) as the base currency on the date it is received and/or processed at the conversion rate as may be determined by Visa International at its absolute discretion. In addition, you will also have to pay foreign exchange spread of 1.25% of the converted Ringgit Malaysia amount for the conversion of the transactions made in foreign currency. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Company shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred.
9 Card Replacement Penalty
  • 1st Card : RM50.00
  • 2nd Card: RM100.00
  • 3rd Card: RM150.00
10 Fee for Copy of Original Sales Draft RM15.00 per request
11 Credit Card Service Tax RM25 per annum on each card


PB Visa Commercial Card
No. Type of Charges Amount
1 Annual fees: Full first year annual fee waiver.
Card Type Annual Fee
PB Visa Commercial Card RM 150.00
2 Joining fee:
  • N/A
3 Finance Charge
 		 The finance charge of 18% p.a. calculated on daily rest is applicable to all outstanding balances.
4 Cash Advance Fee

Cash Advance Fee (one-time fee)

  • Public Bank Branches / ATMs
  • Affiliated Banks and Financial Institutions Worldwide
 5% of amount withdrawn or RM20.00, whichever is higher
Finance Charge for Cash Advance 18% per annum, finance charge will be computed on each cash advance calculated from the date the cash is advanced until the date it is settled in full.
5 Late Payment Charge

Late payment charges of RM25.00 levied on companies were not settled full amount on or before due date of every month.
6 Interest-Free Period for Retail Purchase Enjoy an interest-free period of 25 days for all new retail transactions from statement date.
7 Overseas Transactions Conversion Fee

Transactions made in foreign currency will be converted to Ringgit Malaysia using US Dollar (USD) as the base currency on the date it is received and/or processed at the conversion rate as may be determined by Visa International at its absolute discretion. In addition, you will also have to pay foreign exchange spread of 1.25% of the converted Ringgit Malaysia amount for the conversion of the transactions made in foreign currency. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Company shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred.
8 Card Replacement Penalty
  • 1st Card : RM50.00
  • 2nd Card: RM100.00
  • 3rd Card: RM150.00
9 Fee for Copy of Original Sales Draft RM15.00 per request
10 Charge Card Service Tax RM25 per annum on each card


Public Islamic Bank Credit Cards-i
No. Type of Charges Amount
1 Annual fees:
Card Type Principal Supplementary
Visa/Mastercard Platinum-i RM333.00 RM150.00
Visa/Mastercard Gold-i RM150.00 RM100.00
2 Joining fee:
  • Principal
  • Supplementary
  
  • N/A
  • N/A
3 Management Fee (Ujrah)


- FAQ
No. Payment Behaviour Management Fee (Ujrah)
a. With prompt minimum payment for 12 months within 12 consecutive months. 15% p.a. of the total outstanding balance.
b. With prompt minimum payment for 10 months and more within the last 12 consecutive months. 17% p.a. of the total outstanding balance.
c. Credit cardholders who do not meet the above criteria. 18% p.a. of the total outstanding balance.

Note: The tiered Management Fee is only applicable to the outstanding balances arising from Non-Cash Advance Transactions. Balances accrued from Cash Advance will be charged a Management Fee at 18% p.a. Management Fee is calculated on the outstanding balances on a daily basis.
4 Cash Advance Fee
  • Public Bank Branches/ATMs: 5%
  • Affiliated Banks and Financial Institutions Worldwide: 5%
A one-time cash advance fee will be charged for the amount of cash advance or a minimum of RM20.00, whichever is higher. In addition, Management Fee will be computed on each cash advance calculated from the date the cash is advanced until the date it is settled in full.
5 Late Payment Charge Failure to make the Minimum Payment by the Due Date, a further charge of a minimum of RM10.00 or 1% of total outstanding balance (retail transactions and cash advance only) as at statement date, whichever is higher, capped to a maximum of RM100.00, shall be debited to the Card Account.
6 Minimum Monthly Payment 5% of the total Current Balance together with the total amount of Monthly Instalment (if any) and the whole amount in excess of the Credit line (if any) or a minimum of RM50, whichever is higher.
7 Fee-Free Period for Retail Purchase A 20-day Fee-Free Period on all retail purchases, provided all outstanding balances of the previous month, as per the monthly statement, are fully settled within the due date. Where the Fee-Free Period is not applicable, Management Fee as per applicable tiered rate per month will be levied on all retail purchases from the date the retail purchases are posted.
Note: Retail Purchases exclude Cash Advance, Balance Transfer and any other credit plans.
8 Conversion of Overseas Transactions Transactions incurred will be converted to Ringgit Malaysia using US Dollar as the base currency on the date the item is received and/or processed at such exchange and at such time as may be determined by Visa International/MasterCard Worldwide at its absolute discretion plus foreign exchange spread of 1.25%. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Cardmember shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred.
9 Card Replacement Penalty RM50.00 per card
10 Over Limit Fee RM50.00 per statement*
*Exclude Annual Fee/other fees imposed by the Bank, Late Charges, Stand.in processing and Auto.debit transactions
11 Sales Draft Retrieval Fee RM15.00 per set

RM5.00 per duplicate set
12 Monthly Hardcopy Statement Fee RM1.00 per hardcopy statement

The Monthly Hardcopy Statement Fee is excluded for PB Visa Classic / Standard Mastercard Credit Cardmembers, senior citizens (60 years old and above), disabled Cardmembers and Cardmembers facing difficulties accessing their E-Statements.
13 Additional Statement Request Fee RM5.00 per request
14 Credit Card Service Tax RM25 per annum on the Principal Card; and
RM25 per annum on each Supplementary Card


PB Debit Cards
No. Type of Charges Amount
1 Annual fees:
Card Type Principal Supplementary
PB RCB Elite/Gold Debit Card Free-For-Life without condition
PB Visa/Mastercard/UnionPay Lifestyle Debit Card RM8.00 N/A
PB Corporate MyDebit Card RM8.00 N/A
Petron Visa Debit Card Free-For-Life without condition
Visa Debit Card RM24.00 RM12.00
UTAR Debit Mastercard/TARC Debit Mastercard Free-For-Life without condition
2 Joining fee:   N/A
3

Differentiated Cash Withdrawal Fees
(Not applicable for PB Corporate MyDebit Card)
Card Type Amount
PB RCB Elite/Gold Debit Card or PB Visa/Mastercard/UnionPay Lifestyle Debit Card
  • Via Public Bank ATM, service fee is FREE.
  • Via MEPS Member Bank’s ATM,service fee is RM1.00 per successful transaction.

Note: The RM1.00 ATM service fee is reinstated with effect from 1 February 2022.

 

  • Via Non-MEPS Member Bank’s ATM, service fee is RM10.00 per successful transaction.
  • Via Locally Incorporated Foreign Banks (LIFB) MEPS Member ATM: RM1.00 for each successful transaction (i.e. OCBC, Citibank, Standard Chartered Bank, UOB and HSBC).

Note: The RM1.00 ATM service fee is reinstated with effect from 1 February 2022.

 

  • Via Islamic Foreign Bank (IFB) MEPS Member ATM: RM1.00 for each successful transaction (i.e. Al Rajhi Bank and Kuwait Finance House).

Note: The RM1.00 ATM service fee is reinstated with effect from 1 February 2022.
Other Debit Cards
  • Public Bank ATMs: Waived
  • Other ATMs - Successful: RM10.00
4 Card Replacement Penalty
Card Type Penalty
RCB Elite/Gold Debit Card or Visa/Mastercard/UnionPay Lifestyle Debit Card RM12.00
PB Corporate MyDebit Card RM12.00
Petron Visa Debit Card RM10.00
UTAR Debit Mastercard /
TARC Debit Mastercard		 RM10.00
Visa Debit Card RM10.00
5 Conversion of Overseas Transactions Transactions incurred will be converted to Ringgit Malaysia using US Dollar as the base currency on the date the item is received and/or processed at such exchange and at such time as may be determined by Visa International/Mastercard Worldwide/UnionPay International at its absolute discretion plus foreign exchange spread of 1.25% of the converted Ringgit Malaysia amount for the conversion of the transactions made in foreign currency. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Cardmember shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred.
6 Sales Draft Retrieval Fee
  • Original copy : RM15.00 per set
  • Duplicate copy : RM10.00 per set
7 Monthly Statement Fee (applicable for PB RCB Elite/Gold Debit Card or PB Visa/Mastercard/UnionPay Lifestyle Debit Card only)
  • Monthly e-Statement – FREE
  • Monthly hardcopy statement upon request – RM1.00 per month
8 Monthly Hardcopy Statement Fee (Applicable for
  • PB-Petron Visa Debit Card
  • PB Visa Debit Card
  • PB UTAR/TARC Debit Card)
 RM1.00 per hardcopy statement

The Monthly Hardcopy Statement Fee is excluded for senior citizens (60 years old and above), disabled Cardmembers and Cardmembers facing difficulties accessing their E-Statements.
9 Additional Statement Request Fee RM5.00 per request
10 Balance Inquiry
(Not applicable for PB Corporate MyDebit Card)
Card Type Public Bank and
MEPS ATM		 Non-MEPS ATM
PB RCB Elite/Gold Debit Card or PB Visa/Mastercard/UnionPay Lifestyle Debit Card FREE FREE
Visa Debit Card FREE RM2.00
11 Cash-Out Fee via POS (applicable for PB Visa Lifestyle Debit Card/ PB-Petron Visa Debit Card/ PB Visa Debit Card only) RM1.50 is imposed for each successful Cash-Out transaction at the Point-of-Sales (POS) when a purchase is made.

The maximum Cash-Out amount is up to RM500.00 for each successful transaction.
12 MyDebit Cash Out Fee RM0.50 is imposed for each successful MyDebit Cash Out transaction performed using PB Visa/MasterCard/UnionPay Lifestyle Debit Card and PB RCB Elite/Gold Debit Card at selected merchants.

The maximum MyDebit Cash Out amount is up to RM500.00 for each successful transaction.

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