Spend And Earn Cashback!
Public Bank Visa Credit Card is a card that gives you cash rebates on your spending. With up to 0.6% cashback on your retail purchases (excluding petrol spending), you can now save more money when you shop for your clothes, wine and dine in a restaurant, and/or buying groceries from the supermarket. To enjoy the 0.6% cash rebate, you will need to spend above RM10,000. If you spend not more than RM10,000 but more than RM3,000, you will be getting 0.5% cashback on your transactions. Any other spending amount will see your cash rebate drop to 0.3%. This card also comes with an automatic travel insurance whereby you can get up to RM350,000 coverage; provided you paid for the travel arrangements using your credit card. On top of that, luggage delay, luggage loss or anything that will bring inconvenience to your travel will also be compensated. By transferring from your existing card, you can enjoy a 0% interest on your oustanding balance for 6 months. The minimum transfer amount is RM5,000.
Fees and Charges
Annual fee for the Public Bank Visa Credit Card is RM79.50 for the principal cardholder while for the supplementary cardholder, the annual fee is RM47.70. The finance charges that come with this card have 3 tiers: 15% p.a., 17% p.a. and 18% p.a. To enjoy the 15% per annum interest rate, you will need to make prompt minimum monthly repayments for consecutive period of 12 months. Missing 1 or 2 monthly payments, will see a 17% per annum interest rate charged on your outstanding balance. Anything else and the interest rate that your outstanding balance will be charged with 18% per annum. When you miss any monthly payments, you will be charged with a late repayment penalty of up to RM100 (a minimum of RM10 or 1% of outstanding balance).
Are You Eligible For The Public Bank Visa Classic Credit Card?
There are annual fees for both principal and supplementary cardholder. The annual fee for the principal card will be RM79.50 while the annual fee for the supplementary card is RM47.70. Minimum age requirement is 21 years old for the principal cardholder and 18 years old for the supplementary cardholder.
Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Public Bank Executive MasterCard Credit Card and Maybank Visa Classic Card, which may match your requirements.
If you prefer to broaden your credit card search, review more Public Bank credit cards and start comparing today!