AorB
HomeCredit Cards

Public Islamic Bank Gold MasterCard Credit Card-i

Author
by MujizUpdated 17 Feb 2026
Public Islamic Bank Gold MasterCard Credit Card-i
Primary Reward TypeCashback
Highest Rate1%
Effective Rate1%
Cashback CapRM10
Min Annual IncomeRM24,000
Annual FeeRM150
Support
Apple Pay
Google Pay
Samsung Pay
Public BankMastercard

For comparison purposes only. Final terms are determined by the issuing bank.

Review

The Public Islamic Bank Gold MasterCard Credit Card-i is the entry-level version of the Platinum Mastercard, designed for cardholders with a minimum annual income of RM24,000. Its core proposition is straightforward: 1% cashback on grocery transactions, capped at RM10 per month.

In practice, this makes the card suitable for light, everyday grocery spending rather than aggressive cashback optimisation. Even with consistent grocery usage, the low monthly cap limits upside, especially when compared with competing entry-level cards offering higher percentages or caps.

Beyond cashback, the card retains the same supporting features found across Public Islamic Bank’s lower-tier lineup. This includes an easy annual fee waiver (just 12 swipes per year), a 0% balance transfer plan, and an automatic charitable contribution to Yayasan Waqaf based on dining spend. These features reinforce the card’s positioning as a simple, Shariah-compliant daily-use option.

Verdict: This is a no-frills grocery cashback card best suited for users who value simplicity, low entry requirements, and Shariah-compliant banking. While functional, its cashback rate and cap are modest, making it less compelling for users seeking stronger returns from grocery spending.

Pros

  • Low income requirement (RM24,000 per year)
  • Simple 1% cashback on grocery transactions
  • Easy annual fee waiver with just 12 swipes per year
  • Shariah-compliant with built-in charitable donation feature
  • Includes 0% balance transfer plan

Cons

  • 1% grocery cashback is uncompetitive compared to similar entry-level cards
  • Very low monthly cashback cap of RM10 limits real-world value
  • Limited upside even for regular grocery spenders

Cashback

Base CashbackCapped at RM10/month
Category
Cashback
Cap
Grocery Transactions
1%
RM10
*

Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.

*

Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.

Upcoming

🧮
Cashback Calculator
We're still crunching the numbers! This feature is coming soon.

Card benefits

📅

0% Balance Transfer Plan

Convert outstanding balance (RM1,000+) into a 6-month instalment plan at 0% profit rate.

Condition: Minimum amount RM1,000. Subject to bank approval.
✨

Donation to Yayasan Waqaf

0.1% of total dining transactions will be automatically donated to Yayasan Waqaf every month.

Condition: Capped at RM100 per monthly statement cycle.

Details

Product Details

Card Name
Public Islamic Bank Gold MasterCard Credit Card-i
Issue Bank
Public Bank
Network
Mastercard
Annual Fee
RM 150

Eligibility

Minimum Annual Income
RM 24,000
Minimum Age
(Principal) 21 Years Old
Max Age
70 Years Old

Rates & Fees

Annual Fee
RM 150 / RM 100 (Supplementary)
Fee Waiver
First year annual fee waived. Subsequent years' waived with a minimum of 12 swipes over the preceding 12 months.
Interest Rate
15% p.a. - With prompt minimum payment for 12 months within 12 consecutive months. 17% p.a. - With prompt minimum payment for 10 months and more within the last 12 consecutive months. 18% p.a. - Credit cardholders who do not meet the above criteria. Note: The tiered Profit Rate is only applicable to the outstanding balances arising from Non-Cash Withdrawal Transactions. Balances accrued from Cash Withdrawal will be charged an Effective Profit Rate at 18% p.a. Effective Profit Rate is calculated on the outstanding balances on a daily basis.
Interest Free Period
20 Days
Late Payment Charge
Failure to make the Minimum Payment by the Due Date, a further charge of a minimum of RM10.00 or 1% of total outstanding balance (retail transactions and cash withdrawal only) as at statement date, whichever is higher, capped to a maximum of RM100.00, shall be debited to the Card Account.
Cash Advance Fee
RM4.90 + 0.39% (Visa) RM1.20 + 0.01% (Mastercard)
Overseas Transaction Conversion Fee
Transactions incurred will be converted to Ringgit Malaysia using US Dollar as the base currency on the date the item is received and/or processed at such exchange and at such time as may be determined by Visa International/MasterCard Worldwide at its absolute discretion plus foreign exchange spread of 1.25%. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Cardmember shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred.