• Min. Monthly Income

    RM2,000

  • Interest Rate

    15% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    RM75

Feature Highlights
  • Up to 0.6% cashback on all retail spending
  • FREE Automatic Travel Insurance of RM350,000
Petrol
5.33/10
Dining
4.4/10
Entertainment
4.4/10
Groceries
4.4/10
Shopping
4.4/10

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

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

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

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

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

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

Card Information

Annual Fee RM75
Min. Monthly Income RM2,000
Min. age for principal holder

21

Min. age for supplementary holder

18

Fee for supplementary holder RM45
Finance charges 15% p.a. – prompt payment for 12 consecutive months

17% p.a. – prompt payment for at least 10 out of 12 months

18% p.a. – if the above are not met

Goods & Services Tax (GST)

6% on annual fee and other charges

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

Cashback Limit

N/A

Rewards points expiry

N/A

Product Review by iMoney Malaysia

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!