Public Islamic Bank Platinum Mastercard Credit Card-i

Min. annual incomeRM40,000RM3,333.33 / month equivalent

Principal annual feeRM333

Card networkMastercardIslamic credit card

Google PaySupported

THE DETAILS

Benefit breakdown

Islamic-card cashback
Eligible category	Rate	Statement cap
Groceries MCC 5411 and department stores MCC 5311	2%	RM15

Monthly statement cap combines principal and supplementary cashback. Other spending is not assigned this cashback rate.

Principal annual fee: RM333
Supplementary annual fee: RM150
Annual-fee waiver: First year waived; subsequent annual-fee waiver requires 12 transactions per card in the preceding 12 months.
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.

Minimum annual income: RM40,000
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

0% Balance Transfer
Eligible amount	Tenure	Management / profit rate
Above RM1,000	6 months	0%

Visa: convert eligible purchases by calling 03-2170 8000. Mastercard: transfer eligible outstanding balances from another bank.

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.
Shariah and non-compounding: Commodity Murabahah via Tawarruq; monthly profit charges are non-compounding.
Waqaf donation: 0.1% of dining transactions under MCC 5812 / 5814 is donated to Yayasan Waqaf, capped at RM100 per monthly statement across the principal / supplementary Islamic accounts; this is not personal cashback.
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.

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