Public Bank World Mastercard
5x Air Miles Points per RM1 overseas + 5x lounge access
Apply for Public Bank World Mastercard →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
Public Bank Public Bank World Mastercard overview
The Public Bank Public Bank World Mastercard is a World-tier Mastercard miles card built around air miles. 5x Air Miles Points per RM1 overseas + 5x lounge access. It best suits high-income earners, with a minimum income requirement of RM100,000 a year. It carries no annual fee. Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓1x Air Miles Point per RM1 local retail, 5x per RM1 overseas retail
- ✓Converts to Enrich or AirAsia Points (12,500 pts = 1,000 Enrich, eff. 1 May 2026)
- ✓5x complimentary Plaza Premium lounge access worldwide (min RM1,000 spend within 30 days)
- ✓Up to RM500,000 automatic travel insurance
- ✓Free-for-life annual fee, no conditions
Is the Public Bank World Mastercard worth it?
The Public Bank World Mastercard is best suited to high-income earners — its minimum income requirement is RM100,000 a year (about RM8,333 a month). As a miles card, it works best for frequent flyers who will convert spending into air miles and redeem them for flights or upgrades.
- +Free for life — no annual fee
- +Complimentary airport lounge access
- +Complimentary travel insurance
- −Higher income requirement — RM100k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Eligibility & how to apply
Requirements are general guidance — Public Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the Public Bank World Mastercard, in plain language — so nobody gets caught out. Always confirm against the official terms.
- How the cap works
- 1x Air Miles Point per RM1 local retail, 5x per RM1 overseas retail — no cap disclosed on the product page.
- Foreign transaction fee
- Not disclosed on the card's own product page as of this check.
- Fee waiver
- Free-for-life, no conditions, for principal and supplementary cards.
- ⚠Air Miles Points → Enrich/AirAsia Points ratio was revised effective 1 May 2026 to 12,500 points = 1,000 Enrich Points (or 2,000 AirAsia Points), officially confirmed 23 July 2026 — pre-revision figures (0.10–0.118 milesPerRM) are stale and should not be used
Verified 23 July 2026. Summarised in our own words from Public Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official Public Bank World Mastercardterms & product disclosure →Public Bank World Mastercard FAQ
You need a minimum annual income of RM100,000 (about RM8,333 a month). Public Bank also considers your overall credit standing.
No — the Public Bank World Mastercard is free for life with no annual fee.
It earns air miles. 5x Air Miles Points per RM1 overseas + 5x lounge access.
No — the Public Bank World Mastercard is a conventional credit card. Check with Public Bank for any Islamic (card-i) equivalent.
It's a good fit for high-income earners who want air miles — its main draw is "5x Air Miles Points per RM1 overseas + 5x lounge access". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the Public Bank World Mastercard compares
This card features in our ranked shortlists — compare it against the best in each category:
Rates, fees and promotions are indicative and time-limited — always confirm current terms with Public Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by Public Bank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.