Best Public Bank Credit Cards in Malaysia

Public Bank provides a selection of credit cards with various features ranging from cashback and VIP points to travel insurance and lounge access. These cards adapt to multiple lifestyles and spending habits, making users’ lives easier and more rewarding. Furthermore, Public Bank offers online banking services, making handling your credit card and loan expenses simple. To pick the finest card for your needs, you must examine the features and fees of each card. You can get cash back, travel privileges, and other rewards with a Public Bank credit card.

Best Public Bank Credit Cards Annual Fee Comparison

Top Public Bank Credit Cards

1. Public Bank Visa Infinite

Features & Benefits

• Enjoy a 2% Cash MegaBonus on global shopping.
• Enjoy a 0.3% Cash MegaBonus on local shopping.
• Enjoy 3X free Plaza Premium Lounge entry in Malaysia
• Enjoy travel insurance protection up to RM500,000.

Eligibility

• RM100,000 is the minimum annual income.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is free for life for the primary card and the supplementary card.
• The annual fee of the second and supplementary card will be charged RM250.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM20 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

2. Public Bank World Mastercard

Features & Benefits

• Earn 3X Air Miles points on global shopping with every RM1.
• Earn 1X points on local shopping with every RM1.
• Enjoy 3X free Plaza Premium Lounge entry in Malaysia
• Enjoy travel insurance protection up to RM500,000.

Eligibility

• RM100,000 is the minimum annual income.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is free for life for the primary card and the supplementary card.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM20 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

3. Public Bank Quantum Visa/Mastercard

Features & Benefits

• Enjoy a 5% rebate on travel and online transactions.
• Enjoy a 2% rebate with a Visa card via contactless transactions.
• Enjoy a 2% rebate with a Mastercard via global transactions.
• Earn 2X VIP points on global spending; 1X VIP points on local.

Eligibility

• RM36,000 is the minimum annual income.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is free for life for the primary card and the supplementary card.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM20 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

Cash Back Rates

4. Public Bank Petron Visa Gold

Features & Benefits

• Enjoy a 5% rebate on petrol and other items at Petron Station.
• Enjoy personal accident insurance protection up to RM20,000.

Eligibility

• RM24,000 is the minimum annual income.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is free for life for the primary card and the supplementary card.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM20 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

Cash Back Rates

• Another cashback is a 0.1% rebate when spending locally and globally.

5. Public Islamic Bank Platinum MasterCard Credit Card-i

Features & Benefits

• Enjoy a 4% rebate on groceries and departmental store transactions.
• 0.1% of total dining transactions will be donated to Yayasan Waqaf.
• 2x complimentary access to Malaysia Plaza Premium Lounge.
• Shariah-compliant.
• Non-compounding of the management fee.

Eligibility

• RM40,000 is the minimum annual income.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is RM333 for the primary card and RM150 for the supplementary card.
• The annual fee for the first year is free, and the following years are eliminated if you use a minimum of 12 times every year.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM20 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

Cash Back Rates

6. Public Bank Gold Mastercard/Visa

Features & Benefits

• Unlimited Cash MegaBonus of 0.1% on both domestic and international retail transactions

Eligibility

• RM24,000 is the minimum annual income.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is RM150 for the primary card and RM100 for the supplementary card.
• The annual fee for the first year is free, and the following years are eliminated if you use a minimum of 12 times every year.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM20 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

Cash Back Rates

7. Public Bank Visa Commercial Card

Features & Benefits

• Enjoy an unlimited 0.5% cashback on all transactions.
• Enjoy travel insurance coverage of up to RM1 million.

Eligibility

• RM100,000 is the minimum annual income.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is RM150 for the primary and supplementary cards.
• The annual fee for the first year is free.
• This credit card is only applicable to those registered public and private companies.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM20 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

8. Public Bank AIA Visa Gold Credit Card

Features & Benefits

• Enjoy a free annual fee for life.
• Enjoy an unlimited 0.2% cashback for AIA insurance premiums.
• Earn an unlimited 0.1% cash MegaBonus on local and global retail spending.

Eligibility

• RM24,000 is the minimum annual income.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is waived for the primary and supplementary cards.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM20 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

9. Public Bank Visa Business

Features & Benefits

• Enjoy an unlimited 0.8% cashback on global spending.
• Enjoy an unlimited 0.3% cashback on local spending.
• Enjoy travel insurance coverage of up to RM1 million.

Eligibility

• Applicable by SME, for employee to use.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is RM150 for the primary and supplementary cards.
• The annual fee can be waived when swipes 12 times per year.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM20 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

10. Mutual Gold-PB Visa Platinum Credit Card

Features & Benefits

• Enjoy a free annual fee for life.
• Earn an unlimited 0.2% cash MegaBonus on local and global retail spending.
• Earn an additional 0.3% Mutual Gold Cash Bonus on your birthday.
• Enjoy 2X complimentary Plaza Premium Lounge Malaysia access.
• Enjoy travel insurance coverage of up to RM500,000.

Eligibility

• Only applicable to those who are invited by Public Bank.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is waived for the primary and supplementary cards.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM20 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

Public Bank Credit Card Promotion and Bonuses

Public Bank Credit Cards include a number of incentives and perks, including cashback, lifestyle, and travel benefits.

• Have you collected many points? PB is offering point redemption for annual fee waivers and card service tax. This campaign period is until the days of 2024, you can check the points redemption from the website to maximise your benefits.
• Purchase vehicle insurance from the public bank and get the TnG e-wallet credits of up to RM70. The campaign period is until 30 June 2024, you may pay with your credit card for the vehicle insurance.

Good news for those wishing to apply for a supplementary credit card. Within 60 days upon card approval and spending 3 times with any amounts, are available to grab the RM88 cashback.

Benefits of Using Public Bank Credit Cards

Public Bank provides a number of credit cards with a variety of incentives, including cashback, VIP points, travel benefits, and flexible debt transfers via an instalment plan. Here is a thorough list of the advantages:

1. Earn Cashback on Daily Expenditures with Public Bank Credit Card

One of the most appealing features of public bank credit cards is the ability to earn cashback on regular purchases. This function is especially useful for people who use their credit cards on a frequent basis because it allows them to obtain a percentage of their expenditure back.

The Public Bank Visa Signature Credit Card, for example, offers 3% cashback on grocery, dining, and internet purchases, with a minimum expenditure per transaction and a maximum cashback amount per cycle. Furthermore, the Public Islamic Bank Visa Platinum Credit Card-i provides a 4% cash rebate on online and international transactions.

This reward feature is one of the many reasons why a Public Bank Credit Card is a fantastic choice for people wishing to leverage the benefits of their credit card. By using your Public Bank Credit Card for everyday purchases, you can benefit from the cashback function and save money over time.

2. Accumulate VIP Points and Air Miles with Public Bank Credit Card

The ability to accrue VIP points and air miles points, which can be redeemed for a variety of incentives and travel privileges, is one of the most significant benefits of using a Public Bank Credit Card.

For example, the Public Bank Visa Signature Credit Card earns 1 VIP Point for every RM1 spent and may be used for a variety of benefits. These incentives frequently include vouchers, gift cards, products, and travel-related bonuses like air miles. VIP points can add up to significant savings and rewards over time, particularly for frequent spenders.

Furthermore, some Public Bank Credit Cards provide air mile points, which can be especially helpful for regular travellers. Air miles points are frequently redeemed for airline tickets, upgrades, and other travel-related advantages. For example, the Public Bank World Mastercard provides Air Miles Points on local and international purchases, which helps to accumulate additional points for air miles conversion.

3. Comprehensive Travel Insurance Coverage with Public Bank Credit Card

The extensive travel insurance coverage that comes with a Public Bank Credit Card is a considerable benefit. This is a vital feature for frequent travellers because it provides a safety net in the event of an unforeseen event while travelling.

The Public Bank Visa Signature Credit Card, for example, includes up to RM500,000 in travel insurance coverage. This implies that cardholders can be protected from a variety of catastrophes when travelling, such as flight delays, lost luggage, and medical emergencies.

Similarly, the Public Bank Visa Infinite Credit Card provides up to RM500,000 in travel insurance coverage, as well as other travel-related benefits, including lounge access and Cash MegaBonus.

4. Flexibility in Balance Transfer with Instalment Plans on Public Bank Credit Cards

Managing your finances can be difficult at times, especially when dealing with credit card debt. To help you manage your debt more effectively, the Public Bank Credit Card offers a flexible balance transfer via an instalment plan.

You can transfer outstanding amounts from other credit cards to your Public Bank Credit Card, often at a cheaper interest rate. This is especially useful if you have high-interest debt on other credit cards. The Public Bank Visa Signature Credit Card and Public Bank Visa Infinite Credit Card, for example, both offer debt transfer alternatives as well as flexible payment plans.

You can convert the transferred balance into manageable monthly instalments using the instalment plan option. This might aid in managing your monthly costs and providing a defined plan for debt repayment. It is crucial to note that a minimum transfer amount may be required to use this feature, and the instalment duration and interest rates may differ depending on the credit card and the offer period.

Furthermore, keep in mind that while certain balance transfer promotions provide 0% interest for a limited time, there may be a one-time upfront cost. As a result, it is critical to thoroughly check the credit card public bank promotion, such as the terms and restrictions of your specific Public Bank Credit Card’s balance transfer and payment plan alternatives.

5. Secure Online Shopping with Public Bank Mastercard E-Commerce Purchase Protection

Online shopping is more popular than ever in today’s digital age. However, this increases the danger of fraud and conflicts with online retailers. The Public Bank Mastercard E-Commerce Purchase Protection programme tackles these concerns and offers online shoppers who use a Public Bank Credit Card a safety net.

The Public Bank Mastercard E-Commerce Purchase Protection programme covers non-delivery of purchased items, delivery of inaccurate or incomplete items, and unauthorised transactions performed on your card. This means you can shop online with confidence, knowing you’re secure against frequent online purchasing problems.

It’s crucial to remember that the terms and restrictions, as well as the coverage limit, may differ depending on the Public Bank Mastercard you have. Higher-tier cards, for example, may provide more comprehensive coverage than regular cards. As a result, it is critical to thoroughly check the credit card public bank promotion, such as the terms and conditions of your individual Public Bank Mastercard’s E-Commerce Purchase Protection programme.

How to Apply for a Public Bank Credit Card?

Choosing the right Public Bank credit card for your needs is a crucial decision, but once you’ve made that decision, the application procedure is simple. We will walk you through the Public Bank credit card application procedure.

Eligibility Criteria: What You Need to Know Before Applying

Step-by-Step Guide to the Application Process

Prepare the general documents wanted for the Public Bank credit card application, such as the ones listed below, to speed up your Public Bank credit card application.

After Your Application: Approval Process and Receiving Your Card

You may be wondering what happens next after you have completed your public bank credit card application. Here is a step-by-step guidance to the approval procedure and receiving your card:

Application Review: Public Bank will review all documents and information given after you have filed your application. This often entails reviewing your credit score, income records, and any other relevant information. If necessary, the bank may contact you for additional papers or explanations.

Approval: Your application will be approved if all of your documentation is in order and you match the bank’s criteria. The approval process can take anything from a few business days to a few weeks. It may take longer if you apply for a higher-tier card or if there are any anomalies in your application.

Card Issuance: Your Public Bank Credit Card will be issued once your application is approved. Your card will then be prepared for delivery by the bank.

Card Delivery: Your new Public Bank Credit Card will be mailed to the address you gave when you applied. Depending on your region, the card will normally arrive within a few days to a week.

Card Activation: You may be wondering how to activate public bank credit card after obtaining it because it must be activated before you can use it. A Public Bank Credit Card is typically activated by phoning Public Bank credit card customer service or by logging into the Public Bank online banking system. To activate your card, follow the instructions that came with it.

Setting Up Your PIN: If you haven’t already done so during the application process, you’ll need to create a Personal Identification Number (PIN) after activating your card.

Start Using Your Card: You can begin using your Public Bank Credit Card for purchases both online and offline after your card has been activated and your PIN has been set.

To manage your account, check your balance, and keep track of your spending, sign up for online banking and download the Public Bank mobile app. Also, keep an eye out for any public bank credit card promotions that may be available to new cardholders.

Conclusion: Choosing the Right Credit Card for Your Needs

Choosing the best Public Bank credit card is critical for effective financial management. Consider your purchasing habits, the yearly fees and charges, the rewards and perks provided, any continuing credit card Public Bank promotions, and extra features such as balance transfer choices and e-commerce purchase protection. Complete the Public Bank credit card application online or in a branch after assessing your needs and comparing the various possibilities offered. Once accepted, you must know how to activate Public Bank credit card from customer service or through the online banking interface.

Finally, the best Public Bank credit card for you will be determined by your unique demands and financial objectives. You may choose a card that will not only help you manage your finances better but will also allow you to enjoy the perks and benefits that come with it by carefully assessing your spending habits and evaluating the numerous possibilities available. To get the most out of your credit card, keep an eye out for Public Bank credit card deals.

If you’re interested on finding other best credit cards, you can visit our Best Credit Card in Malaysia page.

**Disclaimer

This content is given for general informational purposes only and should not be construed as financial or legal advice. While we make every effort to deliver accurate and up-to-date information, we make no guarantees or representations on the completeness, accuracy, or reliability of any material supplied. Public Bank credit card terms and conditions, including any incentives, are subject to change at the bank’s discretion. As a result, for the most current and personalised financial advice, it is best to speak directly with Public Bank or a trained financial counsellor. Any information supplied here is used entirely at your own risk.

Frequently Asked Questions