Public Bank Gold Mastercard Credit Card
RM 2,000
Minimum monthly income
RM 150
Annual fee
Free for first year, and waived with minimum 12 swipes over the preceding 12 months15%
Interest rate p.a
0%
Balance transfer rate (fixed)
Public Bank Gold Mastercard Credit Card
RM 2,000
Minimum monthly income
RM 150
Annual fee
Free for first year, and waived with minimum 12 swipes over the preceding 12 months
15%
Interest rate p.a
0%
Balance transfer rate (fixed)
Special Offers
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Product details
Product details
Features
Unlimited Cash Megabonus of 0.1% on both local and overseas retail purchases
Eligibility
| Minimum monthly income | RM 2,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 150 | |
| Annual fee waiver | Yes | Free for first year, and waived with minimum 12 swipes over the preceding 12 months |
| Late payment fee | RM 10/1% | 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate | 15% | Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) | 0% | Zero interest with one-time upfront handling fees of 1%, 2.5%, 4.5%, 6.5% and 9.5% for 6-month, 12-month, 24-month, 36-month and 48-month repayment period respectively. Minimum transfer amount is RM1,000 |
| Annual fee |
RM 150 |
| Annual fee waiver |
Yes Free for first year, and waived with minimum 12 swipes over the preceding 12 months |
| Late payment fee |
RM 10/1% 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate |
15% Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) |
0% Zero interest with one-time upfront handling fees of 1%, 2.5%, 4.5%, 6.5% and 9.5% for 6-month, 12-month, 24-month, 36-month and 48-month repayment period respectively. Minimum transfer amount is RM1,000 |
Document required to apply
You will need to provide several documents such as (varies between different banks):
Employed:
- Latest month salary slip
- Latest EA statement
- EPF statement
- Employment letter/confirmation letter
Variable income:
Latest 6 months of the following
- Overtime as reflected on the Payslips
- Commissions Statements
- Fee Statements
Latest 3 years of the following
- Dividend Statements
- Interest Statements
Other income:
- Tenancy Agreements
- Pension Statements
- Annuities Statements
Overseas income:
- 3 Months Payslips
- Latest 2 years Notice of Assessment/Form IR8A/Form IR8E (for Singapore only)
- Salary Deposits Account (reflecting the latest minimum 3 months of salary crediting - for Brunei only)
- Employment Letter
Self-employed:
- Latest 1 year Tax Returns/Receipts
- Latest 6 months company CASA statement (for company directors)
Note:
Any additional income documents may be required at the absolute discretion of the Bank.
Click here to read the Public Bank Gold Mastercard Credit Card Terms and Conditions.
Click here to read the Public Bank Gold Mastercard Credit Card Product Disclosure Sheet.
