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Public Bank Kad Kredit Visa Emas

Bonus Tunai Tanpa Had sebanyak 0.1% untuk perbelanjaan runcit dalam dan luar negara tanpa yuran tahunan untuk tahun pertama anda.

  • icon Gaji Minimum Bulanan
    Gaji Minimum Bulanan
    RM 2000
  • icon Kadar Faedah
    Kadar Faedah
    15% p.a.
  • icon Pulangan Tunai
    Pulangan Tunai
    -
  • icon Yuran Tahunan
    Yuran Tahunan
    RM 150

Ciri Utama

  • Unlimited Cash Megabonus
  • Travel Accident and Inconvenience Insurance
  • 0.7% cashback if total monthly spending is RM30,001 and above
Shopping
4.5/10
Petrol
5.44/10
Groceries
4.5/10
Dining
4.5/10

  • icon groceries 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

  • icon shopping 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

  • icon entertainment 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

icon tag Other Features

  • 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

icon info Card Information

Gaji Minimum Bulanan RM 2000
Min. age for principal holder 21
Fee for principal holder RM 150
Min. age for supplementary holder 18 tahun
Fee for supplementary holder RM100
Late payment charge RM10 atau 1% dari baki tertunggak (mana-mana yang lebih tinggi), caj maksimum sehingga RM100
Cash advance amount RM5,000 sehari
Cash advance charge RM20 atau 5% dari jumlah pendahuluan tunai (mana-mana yang lebih tinggi)
Cash advance interest charge 18% setahun dari jumlah pendahuluan tunai
Rewards points expiry Tiada

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Product Review by

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

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).

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 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!

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