• Min. Monthly Income

    RM5,000

  • Interest Rate

    15% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    RM333

Feature Highlights
  • Up to 0.9% cashback on all retail spending
  • 5% cashback at luxury brand merchants
  • Travel Accident and Inconvenience Insurance
Petrol
4.7/10
Groceries
5.33/10
Shopping
4.7/10
Entertainment
4.7/10
Dining
4.7/10

Petrol

  • 0.9% cashback if total monthly spending is RM100,001 and above
  • 0.5% - 0.65% cashback if total monthly spending is between RM5,001 – RM100,000
  • 0.3% cashback if total monthly spending is RM5,000 and below

Groceries

  • 0.9% cashback if total monthly spending is RM100,001 and above
  • 0.5% - 0.65% cashback if total monthly spending is between RM5,001 – RM100,000
  • 0.3% cashback if total monthly spending is RM5,000 and below

Shopping

  • 0.9% cashback if total monthly spending is RM100,001 and above
  • 0.5% - 0.65% cashback if total monthly spending is between RM5,001 – RM100,000
  • 0.3% cashback if total monthly spending is RM5,000 and below

Entertainment

  • 0.9% cashback if total monthly spending is RM100,001 and above
  • 0.5% - 0.65% cashback if total monthly spending is between RM5,001 – RM100,000
  • 0.3% cashback if total monthly spending is RM5,000 and below

Dining

  • 0.9% cashback if total monthly spending is RM100,001 and above
  • 0.5% - 0.65% cashback if total monthly spending is between RM5,001 – RM100,000
  • 0.3% cashback if total monthly spending is RM5,000 and below

Other Features

  • Protection Plan

    • Travel Accident Insurance with coverage of up to RM2,000,000 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 RM333
Min. Monthly Income RM5,000
Min. age for principal holder

21

Min. age for supplementary holder

18

Fee for supplementary holder RM150
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

Cashback and Privileges

Public Bank Visa Platinum Credit Card is a card that gives you both cashback and reward points. For purchases made locally (excluding petrol transactions), you can get up to 0.9% in cashback. When your monthly transaction is RM5,000 or below, you will be getting up to 0.3% in cash rebate on your local transactions. You will be entitled to 0.5% cashback if the monthly retail purchase is more than RM5,000 but RM10,000 or lesser. 0.55% cash rebate (for monthly transactions of up to RM30,000). 0.6% cashback for total transactions of up to RM60,000; followed by 0.65% cash rebate for total transactions of up to RM100,000. If your monthly transactions are above RM100,000, you will get to enjoy the highest cash rebate offered by this card at 0.9%. On top of that, a cardholder gets to enjoy reward points when they use this card. If your monthly domestic retail purchase does not exceed RM30,000, you will get RM1 for every RM1 spent. If your monthly spend exceed RM30,000, you will be entitled to 2 points for every RM1 spent. All overseas retail purchase will automatically earn you 2x points. One of the ways for you to get this card is to do a balance transfer whereby it is 0% per annum for a tenure of 6 months with a minimum transfer amount of RM5,000. There is no one-time upfront fee that comes with the balance transfer programme.

Fees and Charges

The annual fee that comes with Public Bank Visa Platinum Credit Card is RM352.98 (for principal cardholder). For the supplementary card, there will be an annual fee of RM159. Finance charges for this card come at 15% p.a. provided there prompt minimum payment is made for 12 straight months, 17% p.a. if the cardholder misses the monthly payment by once or twice in 12 months and 18% if the cardholder missed more than twice of the momthly payments. The increase in interest rate is also accompanied by late payment charges of RM10 or 1% of the outstanding balance, whichever is higher up to RM100.

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

A minimum age requirement of 21 years old and minimum income of RM5,000 is needed for pricipal cardholder. For supplementary card, the applicant only needs 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 Platinum MasterCard Credit Card and Standard Chartered Platinum Visa MasterCard, which may match your requirements.

If you prefer to broaden your credit card search, review more Public Bank credit cards and start comparing today!