Subsequent years’ is subject to a minimum of 12 swipes over the preceding 12 months
Features
- Non-compounding for Monthly Charges
- First year annual fee waived
- Donation to Yayasan Waqaf
- 2% Cash Back on grocery and departmental store transactions
- e-Commerce Purchase Protection
- PBe Service
- Will and Wasiat Writing Service
- 0% Balance Transfer Plan for 6 months with minimum amount of RM1,000
First year annual fee waived
Non-compounding for Monthly Charges
Non-compounding of profit rate.
Shariah Compliant
Based on Shariah principle of Commodity Murabahah via Tawarruq arrangement which refers to an arrangement that consists of two sale and purchase contracts.
Donation to Yayasan Waqaf
0.1% of total dining (MCC 5812 & 5814) 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).
Click here to learn more.
2% Cash Back
Enjoy 2% Cash Back on groceries (MCC 5411) and departmental store (MCC 5311) transactions.
Capped at RM15 per monthly statement cycle (Cash Back payout is combined between Principal and Supplementary accounts).
Click here for list of excluded transactions.
e-Commerce Purchase Protection
Make online purchases using Public Islamic Bank Platinum MasterCard Credit Card-i and get covered for possible losses up to USD200 per claim per annum for any of the following instances:
- Non-delivery of purchased item after 30 days of scheduled delivery
- Wrong or incomplete delivery of purchased item
- Physical damage to the delivered item
Click here for Terms & Conditions
Click here to file a claim
PBe Service
Access banking services any day of the year from wherever you are in the world.
Will and Wasiat Writing Service
Enjoy 35% off will and wasiat writing service fee. Call PB Trustee Services Berhad at 03-2177 3127 (General Line) or head to the nearest branch for more info.
0% Balance Transfer Plan
Convert your outstanding balance from other bank(s) above RM1,000 into a 6-month instalment plan with 0% profit rate. Apply via PBeBank or click here for application form.
Eligibility
- Principal Card Age: 21 – 70 years old
- Supplementary Card Age: 18 – 65 years old
- Minimum income requirement: RM40,000 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 |
Effective Profit Rate
Click here for FAQ |
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| 4 |
Cash Withdrawal Fee |
Visa
Mastercard
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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 withdrawal 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 |
Grace Period for Retail Purchase |
A 20-days’ Grace 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 Grace Period is not applicable, Profit Rate as per the applicable tiered rate per month will be levied on retail purchases from the posting day of the purchase. Note: Retail purchases exclude Cash Withdrawal, 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 | RM15.00 per set | ||||||||||||
| 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 | ||||||||||||
| 13 | PB Visa Direct Service Fee | RM10.00 per transaction |
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
