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Public Bank Kad Visa Platinum

  • icon Gaji Minimum Bulanan
    Gaji Minimum Bulanan
    RM 4166
  • icon Kadar Faedah
    Kadar Faedah
    15% p.a.
  • icon Pulangan Tunai
    Pulangan Tunai
    -
  • icon Yuran Tahunan
    Yuran Tahunan
    RM 333

Ciri Utama

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

    • 0.9% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM100,001 dan ke atas
    • 0.5% - Pulangan tunai 0.65% jika jumlah perbelanjaan bulanan adalah antara RM5,001 – RM100,000
    • 0.3% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM5,000 dan ke bawah
  • icon groceries Barangan Runcit

    • 0.9% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM100,001 dan ke atas
    • 0.5% - Pulangan tunai 0.65% jika jumlah perbelanjaan bulanan adalah antara RM5,001 – RM100,000
    • 0.3% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM5,000 dan ke bawah
  • icon shopping Beli-Belah

    • 0.9% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM100,001 dan ke atas
    • 0.5% - Pulangan tunai 0.65% jika jumlah perbelanjaan bulanan adalah antara RM5,001 – RM100,000
    • 0.3% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM5,000 dan ke bawah
  • icon entertainment Hiburan

    • 0.9% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM100,001 dan ke atas
    • 0.5% - Pulangan tunai 0.65% jika jumlah perbelanjaan bulanan adalah antara RM5,001 – RM100,000
    • 0.3% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM5,000 dan ke bawah
  • icon dining Makan

    • 0.9% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM100,001 dan ke atas
    • 0.5% - Pulangan tunai 0.65% jika jumlah perbelanjaan bulanan adalah antara RM5,001 – RM100,000
    • 0.3% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM5,000 dan ke bawah

icon tag Other Features

  • Pelan Perlindungan: Insurans Kemalangan Perjalanan dengan liputan hingga RM2, 000, 000 dan Perlindungan Kesulitan Perjalanan yang meliputi sambungan yang terlepas, kelewatan bagasi, kehilangan bagasi, kelewatan penerbangan, pembatalan penerbangan jika tambang penerbangan penuh dikenakan ke kad kredit ini
  • Pemindahan Baki: 0% setahun untuk tempoh 6 bulan dengan jumlah minimum pindahan RM5, 000 ke atas; Bayaran pendahuluan 0%
  • Pelan Ansuran: Pelan Pembayaran Ansuran faedah 0% untuk semua peniaga yang mengambil bahagian

icon dining Card Information

Gaji Minimum Bulanan RM 4166
Min. age for principal holder 21
Fee for principal holder RM 333
Min. age for supplementary holder 18 tahun
Fee for supplementary holder RM150
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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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](https://www.imoney.my/credit-card/public-bank/platinum-mastercard-credit-card "Apply for Public Bank Platinum MasterCard Credit Card") and [Standard Chartered Platinum Visa MasterCard](https://www.imoney.my/credit-card/standard-chartered/platinum-visa-mastercard "Apply for 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](https://www.imoney.my/credit-card/public-bank "Public Bank Credit Cards in Malaysia") and start comparing today!