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Public Bank Visa Classic Credit Card

Earn 0.6% cashback on all retail spending, and also enjoy FREE Automatic Travel Insurance with coverage of RM350,000!

  • icon Min. Monthly Income
    Min. Monthly Income
    RM 2000
  • icon Interest Rate
    Interest Rate
    15% p.a.
  • icon Cashback
    Cashback
    -
  • icon Annual Fee
    Annual Fee
    RM 75

Key Features

  • Up to 0.6% cashback on all retail spending
  • FREE Automatic Travel Insurance of RM350,000
  • 0.6% cashback if total monthly spending is RM10,001 and above
Shopping
4.4/10
Petrol
5.33/10
Groceries
4.4/10
Dining
4.4/10
  • icon petrol Petrol

    • 0.6% cashback if total monthly spending is RM10,001 and above
    • 0.5% cashback if total monthly spending is between RM3,001 – RM10,000
    • 0.3% cashback if total monthly spending is RM3,000 and below
  • icon dining Dining

    • 0.6% cashback if total monthly spending is RM10,001 and above
    • 0.5% cashback if total monthly spending is between RM3,001 – RM10,000
    • 0.3% cashback if total monthly spending is RM3,000 and below
  • icon entertainment Entertainment

    • 0.6% cashback if total monthly spending is RM10,001 and above
    • 0.5% cashback if total monthly spending is between RM3,001 – RM10,000
    • 0.3% cashback if total monthly spending is RM3,000 and below
  • icon groceries Groceries

    • 0.6% cashback if total monthly spending is RM10,001 and above
    • 0.5% cashback if total monthly spending is between RM3,001 – RM10,000
    • 0.3% cashback if total monthly spending is RM3,000 and below
  • icon shopping Shopping

    • 0.6% cashback if total monthly spending is RM10,001 and above
    • 0.5% cashback if total monthly spending is between RM3,001 – RM10,000
    • 0.3% cashback if total monthly spending is RM3,000 and below

icon tag Other Features

  • Protection Plan: Travel Accident Insurance with coverage of up to RM350,000 and Travel Inconvenience Coverage covering missed connections, luggage delay, luggage loss, flight delay, flight cancellation if full airfare is charged to this credit card
  • Balance Transfer: 0% per annum for a tenure of 6 months with a minimum transfer amount of RM5,000 and above; 0% one-time upfront fee
  • Instalment Plan: 0% interest Instalment Payment Plan at all participating merchants

icon shopping Card Information

Min. Monthly Income RM 2000
Min. age for principal holder RM 21
Fee for principal holder RM 75
Min. age for supplementary holder 18 years old
Fee for supplementary holder RM45
Late payment charge Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100
Cash advance amount RM5,000 per day
Cash advance charge Higher of RM20 or 5% of cash advance amount
Cash advance interest charge 18% per annum on cash advance amount
Rewards points expiry N/A

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Product Review by

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!