• Min. Monthly Income

    RM2,000.00

  • Interest Rate

    15% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    RM150.00

Feature Highlights
  • Up to 0.7% cashback on all retail spending
  • Travel Accident and Inconvenience Insurance
Groceries
4.5/10
Shopping
4.5/10
Entertainment
4.5/10
Dining
4.5/10
Petrol
5.44/10

Groceries

  • 0.7% cashback if total monthly spending is RM30,001 and above
  • 0.6% cashback if total monthly spending is between RM10,001 – RM30,000
  • 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

  • 0.7% cashback if total monthly spending is RM30,001 and above
  • 0.6% cashback if total monthly spending is between RM10,001 – RM30,000
  • 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

  • 0.7% cashback if total monthly spending is RM30,001 and above
  • 0.6% cashback if total monthly spending is between RM10,001 – RM30,000
  • 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

  • 0.7% cashback if total monthly spending is RM30,001 and above
  • 0.6% cashback if total monthly spending is between RM10,001 – RM30,000
  • 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

Petrol

  • 0.7% cashback if total monthly spending is RM30,001 and above
  • 0.6% cashback if total monthly spending is between RM10,001 – RM30,000
  • 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 RM1,000,000 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 RM150.00
Min. Monthly Income RM2,000.00
Min. age for principal holder

21

Min. age for supplementary holder

18

Fee for supplementary holder RM100
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 Gold Credit Card is a card that gives you cashback when you spend using the card. You will now be able to get more value from your money when you dine in a restaurant, shop for groceries or buy new clothes. If your total monthly spending is RM3,000 and below, you will be getting 0.3% cashback on your transactions. If your spending is more than RM3,000 but less than RM10,000, you will be able to enjoy cash rebate of 0.5%. To enjoy a cash rebate of 0.6%, you will need to spend more than RM10,000. However, to be able to enjoy the maximum cashback (0.7%) from this card, you will need to make a monthly spending of more than RM30,000. On top of that, this card also comes with a protection plan for your travel. With coverage of up to RM100,000 for Travel Accident Insurance together with Travel Inconvenience Coverage, you can travel with a peace of mind that your loved ones are financially protected should anything happen to you and/or the inconvenience caused to you will be properly compensated. You can get this card through a balance transfer option of 0% per annum for a period of 6 months with a minimum transfer amount of RM5,000 from your existing credit card.

Fees and Charges

For the principal card, you will need to pay an annual fee of RM159 while for the supplementary card, there is an annual fee of RM106. This card comes with 3 types of finance charges: 15% per annum when you make a consistent minimum monthly repayment for 12 consecutive months, 17% per annum when you missed 1 or 2 monthly repayments in the last 12 months and 18% per annum if you missed more than 2 monthly repayments for the last 12 months. When you miss any monthly repayments, there will also be a late payment penalty of RM10 or 1% of the outstanding balance (up to RM100).

Are You Eligible For The Public Bank Visa Gold Credit Card?

To apply for the principal card, you need to be at least 21 years old with a monthly income of at least RM2,000. For the supplementary card, you will only need to be at least 18 years old.

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 Petron Visa Gold Credit Card and OCBC Gold Visa 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!