Public Bank World Mastercard Credit Card

Min. annual incomeRM100,000RM8,333.33 / month equivalent

Principal annual feeRM0

Card networkMastercardConventional card

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5 shared visits per calendar yearPlaza Premium Lounge / listed dining outlets

BEFORE YOU FLY

Airport lounge access

Worldwide Plaza Premium

5 shared visits per calendar year

Plaza Premium Lounge / listed dining outlets

Use viaPresent the physical eligible card and matching boarding pass; no membership app required.

Qualifying spend & allocation: RM1,000 cumulative qualifying retail spend for each access, within 30 calendar days before and/or after the visit. Supplementary spend is aggregated; separate visits require sufficient total qualifying spend.
Principal / supplementary: Shared between principal and supplementary holders. Holding multiple eligible PB cards gives the highest quota only, not added quotas.
Guests: Guest admission is not free: 25% off prevailing walk-in fee where applicable; accompanying children under two are free.
Where it works: Only locations in the official worldwide participating list; excluded outlets do not qualify.

2026 programme through 31 December 2026. Infinite / World increased from three to five visits effective 1 April 2026. Unmet spend or exhausted quota is billed at walk-in rate less 25%, normally within 8–14 weeks.

Entry steps & validity

Eligible physical card + matching boarding pass, authenticated by lounge e-slip. Maximum two entries per day, up to three hours each.

Official participating lounge list ↗Official lounge programme ↗

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

Air Miles Points

Air Miles Points
Eligible spending	Points per RM1
Overseas retail	5
Local retail	1

5X overseas is the updated benefit effective 1 May 2026, not the older 3X. Points expire after three years; Air Miles Points are not airline miles.

Fees & charges

Principal annual fee: RM0
Supplementary annual fee: RM0
Annual-fee waiver: No annual fee for life for principal and supplementary cards; no spending condition.
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 RM1.20 + 0.01%; overseas RM3.80 + 0.29% 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

Minimum annual income: RM100,000
Principal age: At least 21 years
Application conditions: Published general income threshold; bank credit assessment and supporting documents apply.
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.
Airline conversion: Use the current Preferred Redemption Rewards Catalogue for Enrich / AirAsia redemptions; conversion rates can change.
E-commerce purchase protection: Up to USD200 per claim per year for qualifying non-delivery, wrong / incomplete delivery or covered damage / malfunction, after the seller fails to resolve the claim. Network policy conditions differ by product.
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.