Public Bank Visa Platinum

Apply for Public Bank Visa Platinum by Public Bank

Dapatkan rebat tunai sebanyak 1% dan perlindungan insurans perjalanan percuma yang bernilai RM1 Juta

Public Bank Visa Platinum
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Product Highlights

Cash back
1% Cash Back

Get 1% cash back on retail spending made overseas and 0.5% cash back on spending made locally.

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 up to RM10000 monthly
All Local Retail 0.5% uncapped from RM10001 and above monthly
All Overseas Retail 0.6% RM60 up to RM10000 monthly
All Overseas Retail 1.0% uncapped from RM10001 and above 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 RM352.98, but free for the first year. Waived in subsequent years if you swipe 12 times per annum.
Annual Fee for Supplementary Card RM159
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Cash withdrawal fee RM21.20 or 5.30% of withdrawn amount, whichever is higher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 60,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old