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Fees and Charges: Credit/Debit Cards

PB Visa Classic / PB MasterCard Standard
No. Type of Charges Amount
1 Annual fees:
  • Principal
  • Supplementary

 

  • RM75-00
  • RM45-00
2 Joining fee:
  • Principal
  • Supplementary

 

  • NA
  • NA
3 Finance Charge

- FAQ
Repayment Behaviour Interest Rate
a. With prompt minimum repayment for 12 months within 12 consecutive months.
13.5% p.a of the total outstanding balance from the 13th month.
b. With prompt minimum repayment for 10 months and more within the last 12 consecutive months.
16% p.a of the total outstanding balance from the 13th month.
c. Credit cardholder who do not meet the above criteria.
17.5% p.a of the total outstanding balance.

Note: The tiered finance charges are only applicable to the outstanding balances arising from retail transactions. Balances accrued from Cash Advance will be charged finance charge at 18% p.a.
4 Cash Advance Fee
  • Public Bank Branches/ATMs: 5.0%
  • Affiliated Banks and Financial Institutions Worldwide: 5.0%
A one time cash advance fee based on the above will be charged to account for the amount of cash advance or a minimum of RM20-00. In addition finance charge will be computed on each advance from the date the cash is advanced until the date it is settled in full.
5 Late Payment Fees Failure to make the Minimum Payment by the Due Date, a further charge of a minimum of RM5 or 1% of total outstanding balance as at statement date, whichever is higher, capped to a maximum of RM75, shall be debited to the Card Account.
6 Minimum Monthly Repayment 5% of the outstanding balance or a minimum of RM50
7 Interest-Free Period for Retail Transaction A 20-day interest free period on all retail transactions, provided all outstanding balances of the previous month, as per the monthly statement, are fully settled within the due date. Where the Interest-Free Period is not applicable, finance charges as per applicable tiered rate per month will be levied on all retail transactions from the date the retail transactions are posted.

Note: Retail Transactions exclude Cash Advance, Balance Transfer and any other credit plans.
8 Conversion of Overseas Transactions Transactions incurred will be converted to Ringgit Malaysia using US$ 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 administration cost 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.
9 Lost or Theft Card Replacement Fee
  • 1st Card : RM50-00
  • 2nd Card: RM100-00
  • 3rd Card: RM150-00
10 Dishonoured cheques RM100-00
11 Transaction Receipt Retrieval Request RM15-00
12 Monthly Statement Retrieval Request RM5-00

 

PB Visa Gold / PB Gold MasterCard
No. Type of Charges Amount
1 Annual fees:
  • Principal
  • Supplementary

 

  • RM150-00
  • RM100-00
2 Joining fee:
  • Principal
  • Supplementary

 

  • Waived (RM100-00)
  • NA
3 Finance Charge

- FAQ
Repayment Behaviour Interest Rate
a. With prompt minimum repayment for 12 months within 12 consecutive months.
13.5% p.a of the total outstanding balance from the 13th month.
b. With prompt minimum repayment for 10 months and more within the last 12 consecutive months.
16% p.a of the total outstanding balance from the 13th month.
c. Credit cardholder who do not meet the above criteria.
17.5% p.a of the total outstanding balance.

Note: The tiered finance charges are only applicable to the outstanding balances arising from retail transactions. Balances accrued from Cash Advance will be charged finance charge at 18% p.a.
4 Cash Advance Fee
  • Public Bank Branches/ATMs: 5.0%
  • Affiliated Banks and Financial Institutions Worldwide: 5.0%
A one time cash advance fee based on the above will be charged to account for the amount of cash advance or a minimum of RM20-00. In addition finance charge will be computed on each advance from the date the cash is advanced until the date it is settled in full.
5 Late Payment Fees Failure to make the Minimum Payment by the Due Date, a further charge of a minimum of RM5 or 1% of total outstanding balance as at statement date, whichever is higher, capped to a maximum of RM75, shall be debited to the Card Account.
6 Minimum Monthly Repayment 5% of the outstanding balance or a minimum of RM50
7 Interest-Free Period for Retail Transaction A 20-day interest free period on all retail transactions, provided all outstanding balances of the previous month, as per the monthly statement, are fully settled within the due date. Where the Interest-Free Period is not applicable, finance charges as per applicable tiered rate per month will be levied on all retail transactions from the date the retail transactions are posted.

Note : Retail Transactions exclude Cash Advance, Balance Transfer and any other credit plans.
8 Conversion of Overseas Transactions Transactions incurred will be converted to Ringgit Malaysia using US$ 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 administration cost 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.
9 Lost or Theft Card Replacement Fee
  • 1st Card : RM50-00
  • 2nd Card: RM100-00
  • 3rd Card: RM150-00
10 Dishonoured cheques RM100-00
11 Transaction Receipt Retrieval Request RM15-00
12 Monthly Statement Retrieval Request RM5-00

 

PB Executive MasterCard
No. Type of Charges Amount
1 Annual fees:
  • Principal
  • Supplementary

 

  • RM88-00
  • RM48-00
2 Joining fee:
  • Principal
  • Supplementary

 

  • NA
  • NA
3 Finance Charge

- FAQ
Repayment Behaviour Interest Rate
a. With prompt minimum repayment for 12 months within 12 consecutive months.
13.5% p.a of the total outstanding balance from the 13th month.
b. With prompt minimum repayment for 10 months and more within the last 12 consecutive months.
16% p.a of the total outstanding balance from the 13th month.
c. Credit cardholder who do not meet the above criteria.
17.5% p.a of the total outstanding balance.

Note: The tiered finance charges are only applicable to the outstanding balances arising from retail transactions. Balances accrued from Cash Advance will be charged finance charge at 18% p.a.
4 Cash Advance Fee
  • Public Bank Branches/ATMs: 5.0%
  • Affiliated Banks and Financial Institutions Worldwide: 5.0%
A one time cash advance fee based on the above will be charged to account for the amount of cash advance or a minimum of RM20-00. In addition finance charge will be computed on each advance from the date the cash is advanced until the date it is settled in full.
5 Late Payment Fees Failure to make the Minimum Payment by the Due Date, a further charge of a minimum of RM5 or 1% of total outstanding balance as at statement date, whichever is higher, capped to a maximum of RM75, shall be debited to the Card Account.
6 Minimum Monthly Repayment 5% of the outstanding balance or a minimum of RM50
7 Interest-Free Period for Retail Transaction A 20-day interest free period on all retail transactions, provided all outstanding balances of the previous month, as per the monthly statement, are fully settled within the due date. Where the Interest-Free Period is not applicable, finance charges as per applicable tiered rate per month will be levied on all retail transactions from the date the retail transactions are posted.

Note: Retail Transactions exclude Cash Advance, Balance Transfer and any other credit plans.
8 Conversion of Overseas Transactions Transactions incurred will be converted to Ringgit Malaysia using US$ 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 MasterCard Worldwide at its absolute discretion plus administration cost 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.
9 Lost or Theft Card Replacement Fee
  • 1st Card : RM50-00
  • 2nd Card: RM100-00
  • 3rd Card: RM150-00
10 Dishonoured cheques RM100-00
11 Transaction Receipt Retrieval Request RM15-00
12 Monthly Statement Retrieval Request RM5-00

 

PB UTAR Debit MasterCard / PB TARC Debit MasterCard
No. Type of Charges Amount
1 Annual fees:
  • Principal
  • Supplementary

 

  • FREE FOR LIFE
  • FREE FOR LIFE
2 Joining fee:
  • Principal
  • Supplementary

 

  • NA
  • NA
3 Differentiated Cash Withdrawal Fees
  • Public Bank ATMs: Waived
  • Other ATMs successful: RM10-00
  • Other ATMs unsuccessful: RM2-00
4 Lost or Theft Card Replacement Fee RM10-00
5 Conversion of Overseas Transactions Transactions incurred will be converted to Ringgit Malaysia using US$ 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 MasterCard Worldwide at its absolute discretion plus administration cost 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.
6 Transaction Receipt Retrieval Request RM15-00
7 Monthly Statement Retrieval Request RM5-00
8 Balance Inquiry RM2-00 per enquiry via non-Public Bank ATM
9 Processing Fee RM1-00 per transaction for payment of fees at UTAR/TARC campuses

 

PB Visa Platinum / PB Platinum MasterCard
No. Type of Charges Amount
1 Annual fees:
  • Principal
  • Supplementary

 

  • RM333-00
  • RM150-00
2 Joining fee:
  • Principal
  • Supplementary

 

  • NA
  • NA
3 Finance Charge

- FAQ
Repayment Behaviour Interest Rate
a. With prompt minimum repayment for 12 months within 12 consecutive months.
13.5% p.a of the total outstanding balance from the 13th month.
b. With prompt minimum repayment for 10 months and more within the last 12 consecutive months.
16% p.a of the total outstanding balance from the 13th month.
c. Credit cardholder who do not meet the above criteria.
17.5% p.a of the total outstanding balance.

Note: The tiered finance charges are only applicable to the outstanding balances arising from retail transactions. Balances accrued from Cash Advance will be charged finance charge at 18% p.a.
4 Cash Advance Fee
  • Public Bank Branches/ATMs: 5.0%
  • Affiliated Banks and Financial Institutions Worldwide: 5.0%
A one time cash advance fee based on the above will be charged to account for the amount of cash advance or a minimum of RM20-00. In addition finance charge will be computed on each advance from the date the cash is advanced until the date it is settled in full.
5 Late Payment Fees Failure to make the Minimum Payment by the Due Date, a further charge of a minimum of RM5 or 1% of total outstanding balance as at statement date, whichever is higher, capped to a maximum of RM75, shall be debited to the Card Account.
6 Minimum Monthly Repayment 5% of the outstanding balance or a minimum of RM50
7 Interest-Free Period for Retail Transaction A 20-day interest free period on all retail transactions, provided all outstanding balances of the previous month, as per the monthly statement, are fully settled within the due date. Where the Interest-Free Period is not applicable, finance charges as per applicable tiered rate per month will be levied on all retail transactions from the date the retail transactions are posted.

Note: Retail Transactions exclude Cash Advance, Balance Transfer and any other credit plans.
8 Conversion of Overseas Transactions Transactions incurred will be converted to Ringgit Malaysia using US$ 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 administration cost 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.
9 Lost or Theft Card Replacement Fee
  • 1st Card : RM50-00
  • 2nd Card: RM100-00
  • 3rd Card: RM150-00
10 Dishonoured cheques RM100-00
11 Transaction Receipt Retrieval Request RM15-00
12 Monthly Statement Retrieval Request RM5-00

 

PB Visa Electron
No. Type of Charges Amount
1 Annual fees:
  • Principal
  • Supplementary

 

  • RM24-00
  • RM12-00
2 Joining fee:
  • Principal
  • Supplementary

 

  • NA
  • NA
3 Differentiated Cash Withdrawal Fees
  • Public Bank ATMs: Waived
  • Other ATMs successful: RM10-00
  • Other ATMs unsuccessful:
    RM2-00
4 Lost or Theft Card Replacement Fee RM10-00
5 Conversion of Overseas Transactions Transactions incurred will be converted to Ringgit Malaysia using US$ 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 at its absolute discretion plus administration cost 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.
6 Transaction Receipt Retrieval Request RM15-00
7 Monthly Statement Retrieval Request RM5-00
8 Balance Inquiry RM2-00 per enquiry via non-Public Bank ATM

 

PB ING Credit MasterCard PayPass Card
No. Type of Charges Amount
1 Annual fees:
  • Principal
  • Supplementary

 

  • RM68-00
  • RM38-00
2 Joining fee:
  • Principal
  • Supplementary

 

  • NA
  • NA
3 Finance Charge

- FAQ
Repayment Behaviour Interest Rate
a. With prompt minimum repayment for 12 months within 12 consecutive months.
13.5% p.a of the total outstanding balance from the 13th month.
b. With prompt minimum repayment for 10 months and more within the last 12 consecutive months.
16% p.a of the total outstanding balance from the 13th month.
c. Credit cardholder who do not meet the above criteria.
17.5% p.a of the total outstanding balance.

Note: The tiered finance charges are only applicable to the outstanding balances arising from retail transactions. Balances accrued from Cash Advance will be charged finance charge at 18% p.a.
4 Cash Advance Fee
  • Public Bank Branches/ATMs: 5.0%
  • Affiliated Banks and Financial Institutions Worldwide: 5.0%
A one time cash advance fee based on the above will be charged to account for the amount of cash advance or a minimum of RM20-00. In addition finance charge will be computed on each advance from the date the cash is advanced until the date it is settled in full.
5 Late Payment Fees Failure to make the Minimum Payment by the Due Date, a further charge of a minimum of RM5 or 1% of total outstanding balance as at statement date, whichever is higher, capped to a maximum of RM75, shall be debited to the Card Account.
6 Minimum Monthly Repayment 5% of the outstanding balance or a minimum of RM50
7 Interest-Free Period for Retail Transaction A 20-day interest free period on all retail transactions, provided all outstanding balances of the previous month, as per the monthly statement, are fully settled within the due date. Where the Interest-Free Period is not applicable, finance charges as per applicable tiered rate per month will be levied on all retail transactions from the date the retail transactions are posted.

Note: Retail Transactions exclude Cash Advance, Balance Transfer and any other credit plans.
8 Conversion of Overseas Transactions Transactions incurred will be converted to Ringgit Malaysia using US$ 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 MasterCard Worldwide at its absolute discretion plus administration cost 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.
9 Lost or Theft Card Replacement Fee
  • 1st Card : RM50-00
  • 2nd Card: RM100-00
  • 3rd Card: RM150-00
10 Dishonoured cheques RM100-00
11 Transaction Receipt Retrieval Request RM15-00
12 Monthly Statement Retrieval Request RM5-00

 

PB ING Debit MasterCard PayPass Card
No. Type of Charges Amount
1 Annual fees:
  • Principal
  • Supplementary

 

  • RM24-00
  • RM12-00
2 Joining fee:
  • Principal
  • Supplementary

 

  • NA
  • NA
3 Differentiated Cash Withdrawal Fees
  • Public Bank ATMs: Waived
  • Other ATMs successful: RM10-00
  • Other ATMs unsuccessful:
    RM2-00
4 Lost or Theft Card Replacement Fee RM10-00
5 Conversion of Overseas Transactions Transactions incurred will be converted to Ringgit Malaysia using US$ 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 MasterCard Worldwide at its absolute discretion plus administration cost 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.
6 Transaction Receipt Retrieval Request RM15-00
7 Monthly Statement Retrieval Request RM5-00
8 Balance Inquiry RM2-00 per enquiry via non-Public Bank ATM

 

PB Day2Day Card
No. Type of Charges Amount
1 Annual fees:

RM12-00
2 Joining fee:

NA
3 Card Conversion Fee
(applicable for existing PB Bankard Customer Application)		 RM12-00
4 Cash Withdrawals Fee
  • Public Bank ATMs: FREE
  • MEPS Member Bank's ATMs : RM1-00 per transaction
  • Non-MEPS Member Bank's ATMs : RM10-00 per transaction
Note: Cash withdrawal is unable to be peformed at LIFB ATM (Locally Incorporated Foreign Bank's ATM in Malaysia, e.g. HSBC, CitiBank, UOB, OCBC, etc).
5 Card Replacement Fee RM12-00
6 Conversion
Overseas Transactions		 Transactions incurred will be converted to Ringgit Malaysia using US$ 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 at its absolute discretion plus administration cost 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.
7 Transaction Receipt Retrieval Request RM15-00
8 Monthly Statement Fee
  • Monthly e-Statement : FREE
  • Monthly hardcopy statement upon request ; RM1-00 per month
9 Balance Enquiry Fee
  • Public Bank & MEPS ATM: FREE
  • Non-MEPS ATM: RM1-00 per transaction

 

  


Forex:

Foreign Exchange Rates (Forex)
Gold Investment Account

Fees and Charges:

Savings Account
Current Account
Fixed Deposit
Remittances and Standing Instructions
Coins and Notes
Hire Purchase
Trade Bills
Credit/Loan
Credit/Debit Cards
ATM/Bankcards
Gold Investment Account

Deposit Interest Rates:

Savings and Current Interest Rates
Fixed Deposit
Foreign Currency Fixed Deposit Rates

Loan (Interest/Profit rates):

Base Lending Rate
5 Home Plan
- For property costing RM100,000 and below
- For property costing above RM100,000
MORE Plan (Interest/Profit rates)
- For property costing RM100,000 and below
- For property costing above RM100,000
SWIFT rates

Hire Purchase:

Margin of financing & hiring period

 


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