For comparison purposes only. Final terms are determined by the issuing bank.
Review
A no annual fee miles card for overseas spending
The Public Bank World Mastercard Credit Card is the miles-focused alternative to the Public Bank Visa Infinite. Both cards require a minimum income of RM100,000 per year and both have no annual fee, but this card is built around Air Miles Points instead of cashback.
The card also supports Google Pay and Samsung Pay, which helps if you prefer mobile wallet payments. However, Public Bank cards do not support Apple Pay yet.
The card earns 5x Air Miles Points for every RM1 spent overseas and 1x Air Miles Point for every RM1 spent locally. That makes overseas spending the main reason to use the card. Local spending is much less attractive unless you are using the card for convenience or to meet lounge access requirements.
The miles value is better than it first looks, especially for AirAsia Points. The conversion rate is 12,500 Points = 1,000 Enrich Points or 12,500 Points = 2,000 AirAsia Points. Based on overseas spending at 5x points, the effective cost per mile works out to about RM2.50 per Enrich Point or RM1.25 per AirAsia Point. The AirAsia conversion is the stronger one, while Enrich is still reasonable for a no annual fee card.
The card also includes 5 complimentary global Plaza Premium Lounge visits per year at participating lounges worldwide. Each visit requires minimum accumulative retail transactions of RM1,000 within 30 calendar days before and/or after the lounge access. That spend condition is manageable if you already use the card around your travel dates.
Other travel and purchase benefits are useful but secondary. Cardholders get travel insurance coverage of up to RM500,000. Online purchases made with the card are also covered by e-Commerce Purchase Protection of up to USD200 per claim per annum for non-delivery, wrong or incomplete delivery, or physical damage to the delivered item.
Verdict: The Public Bank World Mastercard is worth considering if you want a no annual fee card for overseas miles earning and occasional lounge access. It is stronger for AirAsia Points than Enrich, and the 5x overseas earn rate gives it a clear use case. Local spending is ordinary, but for overseas travel spending, this is one of the more practical no-fee miles cards.
Pros
- No annual fee
- 5x Air Miles Points on overseas spending
- Good AirAsia Points conversion at about RM1.25 per point
- 5 global Plaza Premium Lounge visits per year
- Supports Google Pay and Samsung Pay
Cons
- Local spending earns only 1x Air Miles Point per RM1
- No Apple Pay support yet
- Enrich conversion is less attractive than AirAsia Points
- Each lounge visit requires RM1,000 retail spend within 30 days before or after access
- RM100,000 income requirement puts it against many premium cards
Rewards Points
| Category | Multiplier | Cap |
|---|---|---|
Overseas Retail Excludes: e-Wallet | 5xAir Miles Point | Uncapped |
Local Retail Excludes: e-Wallet | 1xAir Miles Point | Uncapped |
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.
Points Conversion
Best CPM is calculated based on the highest earn rate available for each points program. A lower CPM indicates better value. Click on a row to see CPM at different earn rates.
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.
Air Miles Calculator
Estimates use monthly category totals. Actual rewards may differ due to transaction-level rounding, merchant coding, exclusions, caps, and bank terms.
Monthly Spend
Enter eligible spend by category to estimate your miles.
Only programs supported by every points currency earned on this card are shown.
Air Miles Summary
Airport Lounge Access
Program Name
Plaza Premium Group
Annual Visits
Eligible users
Access type
Spending RequiredRequirement
Min. spend RM 1,000 within 30 days before and/or after visit
Applicable locations:
Lounge access is subject to bank-defined terms and may change over time.
For the full lounge list, please refer to the relevant official website.
Card benefits
e-Commerce Purchase Protection
Coverage for possible losses on online purchases
Travel Insurance
Up to RM500,000 travel insurance coverage