| Minimum monthly income | RM 2,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
| 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 |
You will need to provide several documents such as (varies between different banks):
Employed:
Variable income:
Latest 6 months of the following
Latest 3 years of the following
Other income:
Overseas income:
Self-employed:
Note:
Any additional income documents may be required at the absolute discretion of the Bank.
Click here to read the Public Islamic Bank Gold Mastercard Credit Card-i Terms and Conditions.
Click here to read the Public Islamic Bank Gold Mastercard Credit Card-i Product Disclosure Sheet.
