Based on the Shariah principle of Ujrah which refers to fees charged on the usage of identified services, benefits and privileges. The Bank made available a line of credit to the Cardmember by way of Qard.
Features
- Non-compounding for monthly charges
- First year annual fee waived
- 1% Cash Back on grocery transactions
- Donation to Yayasan Waqaf
- Contactless Payment
- Helpdesk
- PBe Service
- 0% Balance Transfer Plan for 6 months with minimum amount of RM1,000
Shariah Compliant
Non-compounding for Monthly Charges
Non-compounding of management fee.
First year annual fee waived
Subsequent years’ is subject to a minimum of 12 swipes over the preceding 12 months
1% Cash Back
Enjoy 1% Cash Back on grocery transactions, capped at RM10 per monthly statement cycle (Cash Back payout is combined between Principal and Supplementary accounts)
Donation to Yayasan Waqaf
0.1% of total dining transactions will be automatically donated to Yayasan Waqaf every month. Donation amount is capped at RM100 per monthly statement cycle (combined between all Public Islamic Bank Principal and Supplementary accounts)
Contactless Payment
Contactless technology lets you make everyday purchases quickly and safely with just a tap.
Help Desk
Our Help Desk is ready to assist you 24/7. Please call 603-2170 8000
PBe Service
Access banking services any day of the year from wherever you are in the world.
0% Balance Transfer Plan
Convert your outstanding balance from other bank(s) above RM1,000 into a 6-month instalment plan with 0% management fee. Apply via PBeBank or click here for application form.
Eligibility
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Principal Card Age: 21 – 70 years old
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Supplementary Card Age: 18 – 65 years old
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Minimum income requirement: RM24,000 per annum
Fees & Charges
| No. | Types of Charges | Amount | ||||||||||||
| 1 | Annual fees |
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| 2 | Joining fee: | |||||||||||||
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N/A |
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N/A |
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| 3 |
Management Fee (Ujrah)
Click here for FAQ |
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| 4 |
Cash Advance Fee |
Not applicable
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| 5 | Late Payment Charges | 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. |
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| 8 | Conversion of Overseas Transaction | 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 | Sales Draft Retrieval Fee |
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| 10 | Monthly Hardcopy Statement Fee | 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. |
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| 11 | Additional Statement Request Fee | RM5.00 per request | ||||||||||||
| 12 | Credit Card Service Tax | RM25.00 per annum on the Principal Card; and RM25.00 per annum on each Supplementary Card | ||||||||||||
Important Information
Credit Card Help Centre
Click to View
- Product Disclosure Sheet
- Public Islamic Bank Vsa/MasterCard Credit Card-i Cardmember Agreement
- Auto Balance Conversion
