Mutual Gold Public Bank Visa Platinum
Public Bank consumer credit card. Compare cashback eligibility, annual fees and the conditions used by the calculator.
Bank documents checked · Terms last checked: 2026-11-10
Calculate this cardSalary and spending requirements
- Minimum monthly income
- Not stated; other eligibility may apply
- Minimum annual income
- Not stated
- Qualifying spend
- No general monthly minimum; category and transaction rules apply
- Minimum principal age
- 21
Annual fee and SST
- Published annual fee
- RM0.00
- Fee waiver
- No annual fee while qualifying Public Mutual membership is maintained.
- SST
- RM25 per physical card per year. Multi-card packages can cost more.
Annual net cashback is the year's eligible cashback minus the annual fee and SST. The calculator applies fee-waiver conditions to your scenario; the published fee above is not necessarily the fee you will pay.
Conditions to check
- Salary alone is insufficient: check the specific bank relationship, membership, policy or scheme eligibility before applying.
- Current bank PDS and card product page checked. Standard reward exclusions include petrol, insurance, e-wallet reloads and recurring payments; specific co-brand exceptions are identified in the calculator.
- Membership eligibility is required; no salary minimum is published on the product page.
- Additional 0.3% accumulated retail bonus paid around birthday, capped RM100 per membership year for Mutual Gold and RM300 for higher listed tiers.
Listed cashback rates
A summary of published rates, not an offer. Bank terms and the conditions above take priority. A threshold can refer to total spend, a statement balance or an individual transaction.
| Category | Listed rate | Listed qualifying basis | Listed monthly cap |
|---|---|---|---|
| Local and overseas retail purchases | 0.2% | RM0.00+ | Not specified / uncapped in listing |
| Mutual Gold Cash Bonus during birthday | 0.3% | RM0.00+ | Not specified / uncapped in listing |
Sources
Terms can change after the check date. Confirm current terms with the issuer. This page does not include a welcome-gift valuation or guarantee bank approval.