Public Bank Visa Signature

Apply for Public Bank Visa Signature by Public Bank

Be double rewarded with 6% cash back and earn VIP points for your purchases. On top of that get automatic free travel insurance coverage of up to RM 1.5 Million too!

Public Bank Visa Signature
Apply

Product Highlights

Cash back
6% Cash Back

Earn up to 6% cash back on travel, petrol, and dining, wherever you are in the world!

Points
Earn VIP Points

Earn 1X VIP Point for every RM1 spent on retail transactions excluding groceries, dining, online purchases, casinoes, and government agencies. VIP Points can be used to redeem air miles, gift vouchers, and amazing gifts.

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.

Pass
Plaza Premium Lounge Access

Enjoy 5X complimentary visits per year to plaza premium lounges in Malaysia!

Features

Cash Back

Cash back
Cash Back Category Cash back Rate Monthly Cap Spend
Grocery, Dining, and Online Purchases 6% RM50 any amount monthly
Dining 50% RM50 any amount monthly
  • 50% dining cash back only available on Fridays.

Rewards

Local rewards
Earn Spent
1 VIP point on every RM1 on all local and overseas spending
  • Does not include groceries, dining, online, casino, and government agency transactions.

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 RM411.28, but free for the first year. Waived in subsequent years if you swipe 12 times per annum.
Annual Fee for Supplementary Card RM212
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 100,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old