| |
Fees and Charges: Credit/Debit Cards
| PB Visa Classic / PB MasterCard Standard |
| No. |
Type of Charges |
Amount |
| 1 |
Credit Card Service Tax
With effect from 1 January 2010, there will be service tax imposed on credit card as follows :
i. RM50 per annum on the Principal Card; and
ii. RM25 per annum on each Supplementary Card
The service tax will be collected on the date the card is issued, on the completion of each year or on the date of renewal of the card. This means that the abovementioned service tax shall be levied on new credit card issued effective from 1 January 2010. For existing credit cards issued before 1 January 2010, the service tax shall be levied upon anniversary of card issuance. |
| 2 |
Annual fees:
|
|
| 3 |
Joining fee:
|
|
| 4 |
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. |
| 5 |
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. |
| 6 |
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 RM50, shall be debited to the Card Account. |
| 7 |
Minimum Monthly Repayment |
5% of the outstanding balance or a minimum of RM50 |
| 8 |
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. |
| 9 |
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. |
| 10 |
Lost or Theft Card Replacement Fee |
- 1st Card : RM50-00
- 2nd Card: RM100-00
- 3rd Card: RM150-00
|
| 11 |
Dishonoured cheques |
RM100-00 |
| 12 |
Transaction Receipt Retrieval Request |
RM15-00 |
| 13 |
Monthly Statement Retrieval Request |
RM5-00 |
| PB Visa Gold / PB Gold MasterCard |
| No. |
Type of Charges |
Amount |
| 1 |
Credit Card Service Tax
With effect from 1 January 2010, there will be service tax imposed on credit card as follows :
i. RM50 per annum on the Principal Card; and
ii. RM25 per annum on each Supplementary Card
The service tax will be collected on the date the card is issued, on the completion of each year or on the date of renewal of the card. This means that the abovementioned service tax shall be levied on new credit card issued effective from 1 January 2010. For existing credit cards issued before 1 January 2010, the service tax shall be levied upon anniversary of card issuance. |
| 2 |
Annual fees:
|
|
| 3 |
Joining fee:
|
|
| 4 |
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. |
| 5 |
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. |
| 6 |
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 RM50, shall be debited to the Card Account. |
| 7 |
Minimum Monthly Repayment |
5% of the outstanding balance or a minimum of RM50 |
| 8 |
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. |
| 9 |
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. |
| 10 |
Lost or Theft Card Replacement Fee |
- 1st Card : RM50-00
- 2nd Card: RM100-00
- 3rd Card: RM150-00
|
| 11 |
Dishonoured cheques |
RM100-00 |
| 12 |
Transaction Receipt Retrieval Request |
RM15-00 |
| 13 |
Monthly Statement Retrieval Request |
RM5-00 |
| PB Executive MasterCard |
| No. |
Type of Charges |
Amount |
| 1 |
Credit Card Service Tax
With effect from 1 January 2010, there will be service tax imposed on credit card as follows :
i. RM50 per annum on the Principal Card; and
ii. RM25 per annum on each Supplementary Card
The service tax will be collected on the date the card is issued, on the completion of each year or on the date of renewal of the card. This means that the abovementioned service tax shall be levied on new credit card issued effective from 1 January 2010. For existing credit cards issued before 1 January 2010, the service tax shall be levied upon anniversary of card issuance. |
| 2 |
Annual fees:
|
|
| 3 |
Joining fee:
|
|
| 4 |
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. |
| 5 |
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. |
| 6 |
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 RM50, shall be debited to the Card Account. |
| 7 |
Minimum Monthly Repayment |
5% of the outstanding balance or a minimum of RM50 |
| 8 |
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. |
| 9 |
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. |
| 10 |
Lost or Theft Card Replacement Fee |
- 1st Card : RM50-00
- 2nd Card: RM100-00
- 3rd Card: RM150-00
|
| 11 |
Dishonoured cheques |
RM100-00 |
| 12 |
Transaction Receipt Retrieval Request |
RM15-00 |
13
|
Monthly Statement Retrieval Request |
RM5-00 |
| PB UTAR Debit MasterCard / PB TARC Debit MasterCard |
| No. |
Type of Charges |
Amount |
| 1 |
Annual fees:
|
- FREE FOR LIFE
- FREE FOR LIFE
|
| 2 |
Joining fee:
|
|
| 3 |
Differentiated Cash Withdrawal Fees |
- Public Bank ATMs: Waived
- Other ATMs successful: RM10-00
|
| 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 Visa Platinum / PB Platinum MasterCard |
| No. |
Type of Charges |
Amount |
| 1 |
Credit Card Service Tax
With effect from 1 January 2010, there will be service tax imposed on credit card as follows :
i. RM50 per annum on the Principal Card; and
ii. RM25 per annum on each Supplementary Card
The service tax will be collected on the date the card is issued, on the completion of each year or on the date of renewal of the card. This means that the abovementioned service tax shall be levied on new credit card issued effective from 1 January 2010. For existing credit cards issued before 1 January 2010, the service tax shall be levied upon anniversary of card issuance. |
| 2 |
Annual fees:
|
|
| 3 |
Joining fee:
|
|
| 4 |
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. |
| 5 |
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. |
| 6 |
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 RM50, shall be debited to the Card Account. |
| 7 |
Minimum Monthly Repayment |
5% of the outstanding balance or a minimum of RM50 |
| 8 |
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. |
| 9 |
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. |
| 10 |
Lost or Theft Card Replacement Fee |
- 1st Card : RM50-00
- 2nd Card: RM100-00
- 3rd Card: RM150-00
|
| 11 |
Dishonoured cheques |
RM100-00 |
| 12 |
Transaction Receipt Retrieval Request |
RM15-00 |
| 13 |
Monthly Statement Retrieval Request |
RM5-00 |
| PB Visa Electron |
| No. |
Type of Charges |
Amount |
| 1 |
Annual fees:
|
|
| 2 |
Joining fee:
|
|
| 3 |
Differentiated Cash Withdrawal Fees |
- Public Bank ATMs: Waived
- Other ATMs successful: RM10-00
|
| 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 |
Credit Card Service Tax
With effect from 1 January 2010, there will be service tax imposed on credit card as follows :
i. RM50 per annum on the Principal Card; and
ii. RM25 per annum on each Supplementary Card
The service tax will be collected on the date the card is issued, on the completion of each year or on the date of renewal of the card. This means that the abovementioned service tax shall be levied on new credit card issued effective from 1 January 2010. For existing credit cards issued before 1 January 2010, the service tax shall be levied upon anniversary of card issuance. |
| 2 |
Annual fees:
|
|
| 3 |
Joining fee:
|
|
| 4 |
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. |
| 5 |
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. |
| 6 |
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 RM50, shall be debited to the Card Account. |
| 7 |
Minimum Monthly Repayment |
5% of the outstanding balance or a minimum of RM50 |
| 8 |
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. |
| 9 |
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. |
| 10 |
Lost or Theft Card Replacement Fee |
- 1st Card : RM50-00
- 2nd Card: RM100-00
- 3rd Card: RM150-00
|
| 11 |
Dishonoured cheques |
RM100-00 |
| 12 |
Transaction Receipt Retrieval Request |
RM15-00 |
| 13 |
Monthly Statement Retrieval Request |
RM5-00 |
| PB ING Debit MasterCard PayPass Card |
| No. |
Type of Charges |
Amount |
| 1 |
Annual fees:
|
|
| 2 |
Joining fee:
|
|
| 3 |
Differentiated Cash Withdrawal Fees |
- Public Bank ATMs: Waived
- Other ATMs successful: RM10-00
|
| 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: |
RM8-00 |
| 2 |
Joining fee: |
NA |
| 3 |
Card Conversion Fee
(applicable for existing PB Bankard Customer Application) |
FREE Conversion Fee |
| 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
|
|
|
|
|
