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.
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