MoneyX | Credit Card / Public Bank Gold MasterCard

Annual FeeFree*
Cashbackup to 0.1%
Balance TransferFrom 0% p.a.
Easy Payment PlanFrom 0% p.a.
Interest Rate15% p.a.
Interest-free20 days
Min. IncomeRM2,000/month

- Overview
- Packed with amazing perks: unlimited 0.1% Cash MegaBonus, annual fee waiver, flexible credit card instalment plans, and exclusive deals and discounts.
- Cashback
- Unlimited 0.1% Cash MegaBonus is yours for every Ringgit spent on retail purchases locally and overseas. Getting cashback every month is easy as there is no limit to credit card usage!
- Balance Transfer
- Take advantage of savings and flexibility when you transfer your outstanding credit card debts to a Public Bank credit card to benefit from a low one-time upfront interest.
- Flexible Payments
- Enjoy a low upfront interest rate starting from 1.5% p.a. or zero interest rates with flexible repayment terms of your choice with Public Bank credit card instalment plans.
- Features
- Criteria Details
  Card Type MasterCard
  Interest Free Period (Days) 20
- Fee
- Criteria Details
  Min Cash Withdrawal Fee RM20 or 5%
  Annual Fee (RM) 150
  Min Late Payment RM10 or 1% of outstanding amount, up to a maximum of RM100
- Min Monthly Payment
- Criteria Details
  Min Monthly Payment 5% or RM50 of outstanding amount, whichever is higher
- Easy Payment
- Months Interest Rate (%) Upfront Interest (%) Minimum Amount (RM) Max Amount (RM)
  6 0 1.5 1000 -
  9 0 2 1000 -
  12 0 2.5 1000 -
  24 0 5 2000 -
  36 0 6.5 3000 -
  48 0 9 5000 -
- Balance Transfer
- Months Upfront Interest (%) Interest (%) Minimum Amount (RM)
  6 1 0 1000
  12 2.5 0 1000
  24 4.5 0 1000
  36 6.5 0 1000
  48 9.5 0 1000
- Cashback Tiers
- Applicability Minimum Spend (RM) Maximum Spend (RM) Monthly Cap (RM) Cashback Percentage (%) Other Condition(s)
  Local and Overseas Retail Purchases 1 - - 0.1 -
- Annual Percentage Rate
- Criteria Interest Rate (%)
  Prompt Repayment every month 15
  Prompt Repayment 10 out of 12 months 17
  Prompt Repayment of less than 10 out of 12 months 18
  Interest rate on cash withdrawal 18
- Supplementary Card
- Criteria Details
  Annual Fee RM100
  Minimum Age (Years) 18
- Eligibility
- Criteria Details
  Minimum Age 21
  Who Can Apply Anybody

Criteria	Details
Min Cash Withdrawal Fee	RM20 or 5%
Annual Fee (RM)	150
Min Late Payment	RM10 or 1% of outstanding amount, up to a maximum of RM100

Criteria	Interest Rate (%)
Prompt Repayment every month	15
Prompt Repayment 10 out of 12 months	17
Prompt Repayment of less than 10 out of 12 months	18
Interest rate on cash withdrawal	18

Months	Upfront Interest (%)	Minimum Amount (RM)	Max Amount (RM)
6	1.5	1000	-
9	2	1000	-
12	2.5	1000	-
24	5	2000	-
36	6.5	3000	-
48	9	5000	-

Months	Upfront Interest (%)	Minimum Amount (RM)
6	1	1000
12	2.5	1000
24	4.5	1000
36	6.5	1000
48	9.5	1000

Criteria	Details
Minimum Age	21
Who Can Apply	Anybody