Public Bank Visa Gold

Apply for Public Bank Visa Gold by Public Bank

Receive up to 0.5% unlimited cash back and free automatic RM500,000 travel insurance!

Public Bank Visa Gold
Apply

Product Highlights

Cash back
0.5% Unlimited Cash Back

Enjoy 0.5% cash back on all spending with no cap for each company

Travel protection
Free Travel Insurance

Enjoy free Flight Travel Personal Accident coverage up to RM1,000,000 as well as Credit Card Balance insurance coverage.

Fees
Annual Fee Waiver

First 3 years annual fee waived, thereafter waived with a minimum spend of RM 5,000 or if you swipe 12 times within a 12 month period.

Features

Cash Back

Cash back
Cash Back Category Cash back Rate Monthly Cap Spend
All Local Retail 0.3% RM30 from RM1 up to RM10000 monthly
All Local Retail 0.5% uncapped from RM1 up to RM10000 monthly
Dining 50% RM50 any amount monthly
  • 50% dining cash back only available on Fridays.

Balance Transfer

Balance transfer
Pay Over With Interest Rate At When You Transfer
6 months 0% p.a. and 1% one-time upfront handling fee from RM500
6 months 0% p.a. and 0% one-time upfront handling fee from RM6000
12 months 0% p.a. and 2.5% one-time upfront handling fee from RM1000
24 months 0% p.a. and 5% one-time upfront handling fee from RM3000
36 months 0% p.a. and 7% one-time upfront handling fee from RM6000

Easy Payment Plan

Easy payment
Pay Over With Interest Rate At When You Spend
6 months 1% one-time upfront handling fee from RM500
9 months 0% one-time upfront handling fee from RM2000
12 months 2% one-time upfront handling fee from RM1000
24 months 5% one-time upfront handling fee from RM2000
36 months 7% one-time upfront handling fee from RM3000
  • Buy the things you've always wanted with payment terms of up to 24 months and low interest rates.

Fees and Charges

Annual fee RM159, but free for the first year. Waived in subsequent years if you swipe 12 times per annum.
Annual Fee for Supplementary Card RM106
Minimum monthly payment RM50 or 5% of outstanding amount
Late payment fee RM10 or 1% of outstanding amount, up to maximum of RM100
Cash withdrawal fee RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest rate on cash withdrawals 18%
*inclusive of 6% GST

Interest Rate

15% Interest Rate Per Annum Tier 1: Cardholders with prompt payments for 12 consecutive months
17% Interest Rate Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
18% Interest Rate Per Annum Tier 3: Cardholders who do not fall under 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