Unlimited Cash Megabonus
Travel Accident and Inconvenience Insurance
0.7% cashback if total monthly spending is RM30,001 and above
Public Bank Kad Kredit Visa Emas
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- Gaji Minimum Bulanan
- RM 2000
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- Kadar Faedah
- 15% p.a.
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- Rebat Tunai
- -
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- Yuran Tahunan
- RM 150
Ciri Utama
Faedah pada...
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Barangan Runcit
- 0.7% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM30,001 dan ke atas
- 0.6% pulangan tunai jika jumlah perbelanjaan bulanan adalah antara RM10,001 – RM30,000
- 0.5% pulangan tunai jika jumlah perbelanjaan bulanan adalah antara RM3,001 – RM10,000
- 0.3% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM3,000 dan ke bawah
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Beli-Belah
- 0.7% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM30,001 dan ke atas
- 0.6% pulangan tunai jika jumlah perbelanjaan bulanan adalah antara RM10,001 – RM30,000
- 0.5% pulangan tunai jika jumlah perbelanjaan bulanan adalah antara RM3,001 – RM10,000
- 0.3% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM3,000 dan ke bawah
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Hiburan
- 0.7% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM30,001 dan ke atas
- 0.6% pulangan tunai jika jumlah perbelanjaan bulanan adalah antara RM10,001 – RM30,000
- 0.5% pulangan tunai jika jumlah perbelanjaan bulanan adalah antara RM3,001 – RM10,000
- 0.3% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM3,000 dan ke bawah
Maklumat lanjut
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Kelayakan/Dokumen
- Gaji Minimum Bulanan
- RM 2000
- Umur Minimum Pemegang Utama
- 21
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Yuran dan caj
Lain-lain yuran dan caj
- Caj Bayaran Lewat
- RM10 atau 1% dari baki tertunggak (mana-mana yang lebih tinggi), caj maksimum sehingga RM100
- Caj Kewangan
- 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
- Cukai Jualan dan Perkhidmatan (SST)
- 0% ke atas yuran tahunan dan caj-caj lain
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Kad Tambahan
- Minimum Umur bagi Pemegang Tambahan
- 18 tahun
- Yuran bagi Pemegang Tambahan
- RM100
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Pendahuluan Tunai
- Jumlah
- RM5,000 sehari
- Caj
- RM20 atau 5% dari jumlah pendahuluan tunai (mana-mana yang lebih tinggi)
Lain-lain informasi pendahuluan tunai
- Faedah Pendahuluan Tunai
- 18% setahun dari jumlah pendahuluan tunai
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Lain-lain
- Tempoh Tamat Mata Ganjaran
- Tiada
Lain-lain kebaikan
- Pelan Perlindungan
- Insurans Kemalangan Perjalanan dengan perlindungan sehingga RM1,000,000 dan Perlindungan Kesulitan Perjalanan yang meliputi sambungan terlepas, kelewatan bagasi, kehilangan bagasi, kelewatan penerbangan, pembatalan penerbangan sekiranya tambang penerbangan penuh dikenakan ke kad kredit ini
- Pindahan Baki
- 0% setahun untuk tempoh 6 bulan dengan jumlah minimum pindahan RM5,000 ke atas; Bayaran pendahuluan satu% 0%
- Pelan Ansuran
- Pelan Pembayaran Ansuran faedah 0% untuk semua peniaga yang mengambil bahagian
Pemindahan Baki kepada mana-mana Public Bank kad kredit
Other similar products
- Kadar Faedah
- 15% p.a.
- Yuran Tahunan
- RM 150
- Rebat Tunai
- -
- Kadar Faedah
- 15% p.a.
- Yuran Tahunan
- RM 150
- Rebat Tunai
- -
- Kadar Faedah
- 15% p.a.
- Yuran Tahunan
- RM 150
- Rebat Tunai
- -
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Cara membuat permohonan dalam talian untuk kad kredit
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Baca lebih lanjut mengenai Kad Kredit
Ulasan oleh iMoney
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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.
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or 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).
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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 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!