With Public Bank, most of the credit card offers cashback up to RM388 for your transactions in petrol, groceries, shopping, dining and entertainment for most of their cards. Most of the cards would offers cashback for at least 0.6% of your transactions. Besides, most of the credit cards in Public Bank gives travel insurance, travel accident and inconvenience which covered missing connections, luggage delays, luggage loss, flight cancellation if full airfare is charge to the card. Moreover, the Public Bank Executive MasterCard Credit Card is also offering coverage up to RM300,000 while the Public Bank Visa Classic Credit Card offering free automatic travel insurance of RM350,000.
Besides, with the Public Bank Platinum MasterCard Credit Card, you could earn up to 2x VIP points on your overseas retail transactions. In addition to that, earn up to 2x VIP points for every RM1 if your monthly spending is at least RM30,001. You could use the VIP points smartly and redeem for an item of your choices! The Public Bank Visa Platinum Credit Card also offers up to 0.9% cashback on all retail spending and 5% cashback at luxury brand merchants which makes this a perfect card for the luxurious spenders. If you are looking out to do a balance transfer, Public Bank also offers a 0% per annum rate for a tenure of 6 months, with 0.0% one-time upfront fee. You can also get shopping deals or dinning discounts when you pay with your Public Bank credit card. You can also get to enjoy the interest instalment payment plan at all participating merchants when you buy something.
Public Bank credit cards include a balance transfer facility whereby cardholders are allowed to transfer in full or in part (subject to min. transfer amount) the outstanding balance of a credit card account with any bank into a Public Bank credit card account.
Transfer tenures range from 6 months with no one-time upfront fee, 12 months with 2% one-time upfront fee on transferred amount, and 24 months with 5% one-time upfront fee on transferred amount. Interest is not imposed but a minimum transfer amount of RM3,000 (6 months and 24 months tenure) or RM1,000 (12 months tenure) is required.