Public Bank Petron Visa Gold Credit Card by Public Bank

Product Highlights

5% Cash Back

Up to 5% cash rebate for fuel and non-fuel purchases at any Petron service station with a maximum cash rebate amount of RM50 per month.

Personal Accident Insurance

FREE Personal Accident Insurance of up to RM20,000 for PB-Petron Visa Gold.

Unlimited Cash MegaBonus

The Cash MegaBonus earned will be credited monthly to the Card Account. There are no minimum qualifying criteria, no maximum limit and no restriction on the usage of the Cash MegaBonus.

Features

Cash Back & Cash Mega Bonus

Cash Back Category	Cash Back Rate	Monthly Cap	Spend
Petron Service Stations	5%	RM 50	RM 100 and below
Petron Service Stations	3%	RM 50	RM 100 up to RM 200
Petron Service Stations	2%	RM 50	RM 200 up to RM 500
Petron Service Stations	1%	RM 50	RM 500 up to RM 800
Petron Service Stations	0.5%	RM 50	RM 800 and above

Cash MegaBonus Category	Cash MegaBonus Rate	Monthly Cap	Spend
All Retail Purchases	0.1%	Uncapped	Any amount monthly

Exclude casino and petrol transactions, AIA transactions (for PB-AIA Visa Gold Credit Card only), cash advances, balance transfer, transactions at Tunku Abdul Rahman University and Tunku Abdul Rahman University College campus, governmentrelated payments, payments to charity and payments via www.pbebank.com and ATM

Balance Transfer

Pay Over	With Interest Rate At	When You Transfer
6 Months	0% p.a. with 1.5% one-time upfront handling fee	From RM 500
6 Months	0% p.a. with no one-time upfront handling fee	From RM 2,000
12 Months	0% p.a. with 3% one-time upfront handling fee	From RM 1,000
24 Months	0% p.a. with 5% one-time upfront handling fee	From RM 3,000
30 Months	0% p.a. with 7% one-time upfront handling fee	From RM 6,000

Flexipay Plan

Pay Over	With Interest Rate At	When You Spend
6 Months	0% p.a. with 1.5% one-time upfront handling fee	From RM 500
6 Months	0% p.a. with no one-time upfront handling fee	From RM 1,500
9 Months	0% p.a. with 2% one-time upfront handling fee	From RM 2,000
12 Months	0% p.a. with 3% one-time upfront handling fee	From RM 1,000
24 Months	0% p.a. with 5% one-time upfront handling fee	From RM 2,000
36 Months	0% p.a. with 7% one-time upfront handling fee	From RM 3,000

Zero Interest Installment Plan (Ziip)

Pay Over	With Interest Rate At	When You Spend
3 Months	0% p.a. with no one-time upfront handling fee	From RM 500
6 Months	0% p.a. with no one-time upfront handling fee	From RM 500
9 Months	0% p.a. with no one-time upfront handling fee	From RM 500
12 Months	0% p.a. with no one-time upfront handling fee	From RM 500
18 Months	0% p.a. with no one-time upfront handling fee	From RM 500
24 Months	0% p.a. with no one-time upfront handling fee	From RM 500
30 Months	0% p.a. with no one-time upfront handling fee	From RM 500
36 Months	0% p.a. with no one-time upfront handling fee	From RM 500

Only applicable for participating merchants

Fees and Charges

Annual Fee For Primary Card	Free
Annual Fee For Supplementary Card	Free
Minimum Monthly Payment	RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee	RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100
Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals	18% p.a.

Interest Rate

15% Per Annum	Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months
17% Per Annum	Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle
18% Per Annum	Tier 3: Cardmembers who do not fall within the above categories

Requirements

Minimum Annual Income	RM 24,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Anyone

Apply for Public Bank Petron Visa Gold Credit Card by Public Bank