• Non-compounding for monthly charges
  • First year annual fee waived
  • 2% 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 RM1,500
Shariah Compliant

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.

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

2% Cash Back

Enjoy 2% Cash Back on grocery transactions, capped at RM30 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 RM1,500 into a 6-month instalment plan with 0% management fee. Apply via PBeBank or click here for application form.


  • Principal Card Age: 21 – 70 years old
  • Supplementary Card Age: 18 – 65 years old
  • Minimum income requirement: RM24,000 per annum

Fees & Charges

No. Types 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



Management Fee (Ujrah)


Click here for FAQ

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.

Cash Advance Fee

  • Public Islamic Bank/Public Bank Branches/ATMs: 5%.
  • Affiliated Banks and Financial Institutions Worldwide: 5%.
  • PBe Online Banking: 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 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.
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 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 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 RM25.00 per annum on the Principal Card; and RM25.00 per annum on each Supplementary Card