Mutual Gold–Public Bank Visa Platinum Credit Card

Min. annual incomePreferred clients

Principal annual feeRM0

Card networkVisaConventional card

View with bank ↗← All PUBLIC-BANK cards

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2 lounge vouchers for qualifying higher-tier membersPlaza Premium Lounge

BEFORE YOU FLY

Airport lounge access

Member-tier voucher programme

2 lounge vouchers for qualifying higher-tier members

Plaza Premium Lounge

Use viaOriginal named lounge voucher, eligible card and boarding pass; no app specified.

Qualifying spend & allocation: Qualifying membership status; not a blanket two-visit allowance for all cardholders.
Principal / supplementary: Only Mutual Elite / Signature / Platinum / Prestige members meeting the 31 December 2026 status cut-off. Ordinary Mutual Gold membership alone does not qualify.
Guests: Voucher is named and non-transferable. 25% walk-in discount for eligible holders / guests under the programme.
Where it works: Selected lounges in the bank-linked official participating list.

Announced programme uses status as at 31 December 2026. Voucher valid one year from issue; do not assume immediate access before vouchers are issued.

Entry steps & validity

One voucher admits the named cardholder for up to three hours; subject to capacity.

Announced programme uses status as at 31 December 2026. Voucher valid one year from issue; do not assume immediate access before vouchers are issued.

Official member-tier lounge programme ↗Official participating lounge list ↗

Check the linked card-specific list and your remaining entitlement before travelling. A lounge network logo does not mean every lounge or guest is free; entry remains subject to capacity and local rules.

THE DETAILS

Benefit breakdown

Member cashback

Member cashback
Benefit	Rate	Cap
Eligible local / overseas retail	0.2%	Uncapped
Additional birthday cash bonus	0.3% of accumulated eligible retail before birthday month	RM100 Mutual Gold; RM300 Elite / Signature / Platinum / Prestige

Birthday bonus is credited in the birthday month or next month; its allowance resets on birthday.

Fees & charges

Principal annual fee: RM0
Supplementary annual fee: RM0
Annual-fee waiver: No annual fee while qualifying Public Mutual membership status is maintained.
Retail interest / effective profit rate: 15% / 17% / 18% p.a. based on prompt-payment history.
Cash advance interest / profit: 18% p.a., calculated daily.
Cash advance / withdrawal fee: Local RM4.90 + 0.39%; overseas RM5.10 + 0.65% of amount.
Minimum monthly payment: 5% current balance plus full monthly instalments and amount over credit limit, or RM50, whichever is higher.
Late payment: Higher of RM10 or 1% relevant outstanding balance; maximum RM100.
Foreign currency conversion: Network conversion rate using USD as base plus 1.25% foreign-exchange spread.
Retail grace period: 20 days from statement date only when the previous statement is fully settled; excludes cash advances and credit plans.
Service tax: RM25 per principal / supplementary card each year; distinct from annual fee.

Requirements

Principal age: At least 21 years
Application conditions: Qualifying Public Mutual Mutual Gold / Elite / Signature / Platinum / Prestige member.
Supplementary age: At least 18 years

Product features

Reward exclusions: General exclusions include e-wallet reloads, petrol, insurance / takaful, recurring payments, cash / quasi cash, government / charity payments, UTAR / TARC campus payments, Direct Debit and bank / ATM payments. Product-specific Petron fuel and AIA premium benefits override the relevant general category exclusions.
Income / company documents: Personal applications require identity and accepted income / employment evidence; company facilities require the issuer’s company application and supporting corporate documents.
Automatic travel accident insurance: Up to RM500,000 with qualifying full travel fare charged to the eligible card; inconvenience benefits have separate sublimits.

Product disclosure·Card terms·Terms apply

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.