No. 1* In Unit Trust & Private Retirement Scheme

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Mutual Gold Members who accumulated total MGQP of 600,000 and above will be elevated to the status of Mutual Gold Elite.

As a Mutual Gold Elite Member, you will get to enjoy all the benefits of Mutual Gold and MORE.


Mutual Gold Elite

Higher Mutual Gold Cash Bonus on Co-Brand Mutual Gold-PB Visa Platinum Credit Card*
Enjoy the benefits of the exclusive co-brand credit card* and 0.3% Mutual Gold Cash Bonus on selected retail purchases**, up to RM300 will be credited to your card account on your birthday month.

*Approval of the Co-Brand Credit Card is subject to the Bank’s credit evaluation.

**Please refer to PBB website ( for terms and conditions and updates.
Higher Free Insurance/Takaful Coverage
Enjoy free Conventional or Takaful Group Personal Accident with Permanent Disability (PAPD) Insurance coverage# of RM1.00 for every 1 MGQP up to a maximum coverage of RM750,000*.

# This free insurance covers Members up to age 74. The coverage will cease in the event that your total MGQP drop below 150,000 at any one time.

You will be covered under the free Conventional Group PAPD unless you opt for the Takaful Group PAPD. Please refer to our Mutual Gold Free Insurance / Takaful brochure for the terms and conditions of this insurance / Takaful coverage.

* Subject to terms and conditions.
More Free Switching Entitlement Enjoy waiver of switching fee for up to 25 switches of loaded units and 1%-load units which are made after 90 days (from the date of purchase), subject to terms and conditions.
Year End Gift You can look forward to receiving a year end gift specially arranged for you.
Birthday Gift Surprise You will receive a birthday gift which is carefully selected to add delight to your special day!

* Subject to terms & conditions.


Mutual Gold Elite Requirement

To enjoy these exclusive privileges, all you need to do is to accumulate a minimum investment of 600,000 Mutual Gold Qualifying Points (MGQP) to qualify as a Mutual Gold Elite Member, based on the First Registered Holder.

Computation of Mutual Gold Qualifying Points (MGQP):

Unit Trust Scheme

  1. Every RM1 investment and distribution reinvestment into loaded units of equity/mixed asset/balanced funds is allotted 1 MGQP.
  2. Every RM5 investment and distribution reinvestment into loaded units and 1%-load units of bond/sukuk funds is allotted 1 MGQP.
Private Retirement Scheme (PRS)

  1. Every RM2 contribution and distribution reinvestment into PRS funds is allotted 1 MGQP.
Investments and distribution reinvestments for partial-load units, low-load units and zero-load units are not entitled for MGQP.

MGQP will be deducted upon redemption/withdrawal of units.

Elevate to Mutual Gold Elite Status Today!

For existing Mutual Gold Members, all you have to do is to accumulate up to 600,000 MGQP to qualify for Mutual Gold Elite status.

Should you require further information, please contact any of our unit trust consultants or branch nearest to you or call our Hotline.

Public Mutual reserves the right, at its sole and absolute discretion, to change, modify, withdraw and / or enhance at any time any or all of the above benefits or privileges either generally or specifically (i.e. to all investors or any particular investor or class or group of investors) without prior notice and / or having to assign any reasons whatsoever.