Public Bank Visa Classic Credit Card

Public Bank Visa Classic Credit Card

Kad ini sesuai untuk orang yang ingin mendapatkan kad kredit untuk kali yang pertama. Kad ini memberikan anda rebat tunai sebanyak 0.3% tanpa had untuk pembelian runcit anda

Public Bank Visa Classic Credit Card
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Product Highlights

Cash back
0.3% Unlimited Cash Back

Get 0.3% unlimited cash back on all retail purchases. The Cash MegaBonus you earn will be credited monthly to your Card Account

Fees
Preferential Cash Advance Fees

Cardmembers are accorded a preferential fee of 5.3% on cash advances at Public Bank Group ATMs and branches natonwide, subject to minimum cash advance fee of RM21.20 per withdrawal.

Customer service
24-Hour Customer Service

Public Bank customer service consultants will be on call 24 hours a day to attend to any queries you may have on Public Bank products and services.

Features

Cash Back

Cash back
Cash Back Category Cash back Rate Monthly Cap Spend
All Retail Spending 0.3% Uncapped any amount
  • Credited monthly to card account.
  • There are no minimum qualifying criteria, no maximum limit and no restriction on the usage of the Cash MegaBonus Cash Back.
  • Retail purchases exclude casino and petrol transactions, AIA transactions, cash advances, balance transfer, transactions at Tunku Abdul Rahman University and Tunku Abdul Rahman University College campus, government-related payments, payments to charity and payments via www.pbebank.com and ATM.

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 RM79.50
Annual Fee for Supplementary Card RM47.70
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