• Public Bank Executive MasterCard Credit Card

    Public Bank Executive MasterCard Credit Card
    Credit Card
    Annual Fee
    Reward type
    Public Bank Executive MasterCard Credit Card
    Annual Fee:
    RM 88
    Free for 1st year
    Free with min: 12 card swipes per year
    Reward type:
    Fuel, Groceries, LifeStyle

    About Public Bank Executive Mastercard Credit Card

    A unique offering from Public Bank in terms of design and features, the Public Bank Executive Mastercard Credit Card combines the aesthetic values of a beautiful credit card together with features that stand toe-to-toe with other cards in the market. To add on to the that, the Public Bank Executive Mastercard Credit Card comes with a plethora of benefits that can elicit the greenest of looks from people who don’t possess it.

    Benefits of Public Bank Executive Mastercard Credit Card

    Public Bank Executive Mastercard Credit Card doesn’t fall back on its promise of delivering sizable benefits to the cardholder. Some of those benefits that serve as the strongholds of the card’s offerings are –

    1. Competitive Interest Rates –

    Public Bank Executive Mastercard Credit Card is designed as a simple, no-nonsense card and only when the finance charges are as simple, one truly feels blessed. A competitive interest rate of 15% per annum as the finance charges of this card make it quite a lucrative choice

    2. Membership Reward Points-

    Public Bank Executive Mastercard Credit Card can reward you with loyalty points on almost every expenditure you settle with the card. On every Malaysian Ringgit spent at retail stores and billing facilities, one earns a particular reward point known as a Premium Point. Reward points can keep stacking up till the period of three years. These points can be used to avail free gifts from Public Bank’s gift catalogue

    3. Hassle-free Repayment –

    An expenditure can be repaid over a period of 3 years at 0% per annum depending upon the merchant that the purchase is made from, subject to a spends above RM 500. For all other purchases, the upfront interest could be as low as 0% per annum for a period of 2 years

    4. Convenience of Services –

    As a Public Bank Executive Mastercard Credit Card user, assistance is just a call away. While travelling, allowing your travel fares to be charged to your card unlocks a free Travel Personal Accident coverage of up to RM 300000

    Please note that these benefits are subject to change as per the discretion of the bank. Please check with the bank as per the validity of a particular offer.

    Features of Public Bank Executive Mastercard Credit Card

    Apart from the benefits mentioned above, the Public Bank Executive Mastercard Credit Card has some nifty features that can make life easier as far as the spending behaviour of an individual is considered –

    1. Payment Plans –

    Public Bank Flexipay Plan and Public Bank Zero Interest Instalment Plan are the plans that are a boon when it comes to settling off repayments for large purchases. With preferentially lower interest rates, any financial burden feels much lesser through such smart payment plans

    Cash Advance or Cash Loan –

    One can withdraw cash from ATMs just like a debit card through the Public Bank Executive Mastercard Credit Card

    Public Bank Executive Mastercard Credit Card Review

    Public Bank Executive Mastercard Credit Card comes with a host of benefits and can easily serve as the go-to card for the wise spender. The fact that it has easy repayment structures offered to its cardholders and one of the most competitive interest rates in the credit card segment makes it the ideal choice for large purchases. Financial burdens of a cardholder can be eased by a lot if they make regular repayments for the usage of the Public Bank Executive Mastercard Credit Card.

    Apart from the repayment structures and the lucratively low interest rates, Public Bank offers reward points that can get you interesting and useful gifts from the bank’s own selected gift catalogue.

    Savings, competitive interest rates and a rewarding loyalty program are the compelling reasons why one should go for a Public Bank Executive Mastercard Credit Card.

    Eligibility for Public Bank Executive Mastercard Credit Card

    The following would be the base qualifiers for eligibility of availing a Public Bank Executive Mastercard Credit Card –

    1. Applicants should be Malaysians and have bank accounts as specified by Public Bank
    2. Applicants should have a minimum annual income of RM 36000
    3. Applicants should be over 21 years

    Balance Transfer facility under Public Bank Executive Mastercard Credit Card

    Balance Transfer facility on Public Bank Executive Mastercard Credit Cards allows one to transfer the dues of another credit card to the Public Bank card and avail preferential interest rates on the amount that is transferred. The following table illustrates the rates of interest applicable for a balance transfer. It should be noted though, that this facility is promotional and will depend upon the discretion of the bank. For the latest applicable rates, it would be wise to check with Public Bank.

    Tenure

    Interest Rate per annum and charges (if any)

    Balance Transfer Amount

    6 months

    1% and one-time upfront handling fee

    RM 1000 and above

    6 months

    0% and one-time upfront handling fee

    RM 5000 and above

    12 months

    2% and one-time upfront handling fee

    RM 1000 and above

    24 months

    5% and one-time upfront handling fee

    RM 3000 and above

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