Public Bank Visa Business Card by Public Bank

Apply for Public Bank Visa Business Card by Public Bank

Public Bank's business card is a business card suitable for business expansion and tailored for company to manage business cash flow. It provides the company with maximum control over the company's expenses by allowing the company to preset credit limits for all employees holding the card. The PB Visa Business Card is accepted worldwide and the company will receive rewards and privileges on charging to the card.

Public Bank Visa Business Card

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Product Highlights

Automatic Travel Insurance

FREE Automatic Travel Insurance of up to RM 1 million when the full travel arrangements are charged to your Card.

Corporate Liability Waiver Insurance

Coverage up to USD25,000 per cardmember per annum subject to a maximum of USD1.65 million per company per annum.

Worldwide Recognition & Privileges

This card is accepted worldwide. Rewarding merchant offers with extended Business Services Platform are offered to our cardmembers.

Features

Cash Back

Cash Back Category	Cash Back Rate	Monthly Cap	Spend
All Transactions	0.5%	Uncapped	Any amount monthly

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	RM 150*
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.

*First year waived. Subsequent years waived when you use your card with a minimum of 12 times 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 Paid-Up Capital	RM 100,000
Minimum Business Operation	2 years old
Who Can Apply	For Private Limited and Listed Company only