Question 1

How many types of credit cards are there in Malaysia?

Accepted Answer

Malaysia has four (4) biggest card networks or card schemes: Visa, Mastercard, American Express and UnionPay. They partnered with Malaysian banks to issue credit cards to consumers.

The banks then further categorised these cards to meet various consumers' needs and spending habits by having features such as cashback, reward points or air miles.

Cashback: You get back a portion of the money you have spent in your account.

Rewards: You earn loyalty points for every Ringgit spent, redeemable for products and services.

Air Miles: You earn loyalty points for every Ringgit spent, redeemable at your frequent flyer programs.

Essentially, a credit card will have one of the features above. Depending on the income band, it can have a combination of features such as cashback and rewards or air miles and cashback.

Question 2

What is the minimum salary for a credit card in Malaysia?

Accepted Answer

The minimum income for a first-time applicant is RM24,000 annually, according to Bank Negara Malaysia (BNM). Regardless, banks will require proof of income to qualify you as a credit cardholder.

Additionally, you must also have a valid identity card, employer letter of confirmation and other documents to support your application.

However, not all banks have the same income requirement for the same card type. For example, a Gold credit card by Bank A is offered to those with a monthly salary of RM3,000 and above, whereas Bank B opens to anyone earning a minimum of RM2,000 per month.

Therefore, make sure to compare credit cards from different banks to suit your annual or monthly income.

Question 3

How many credit cards can I apply for?

Accepted Answer

There is no limit to the number of credit cards you can apply for from any bank. However, your chances of getting approved depend on your income and other factors, such as your credit background.

BNM has stated that for those earning RM3,000 and less, you can own credit cards from a maximum of two different card issuers, with a credit limit capped at two times your monthly salary. However, whether you get this amount still depends on the banks you choose.

Anyone with a monthly income above RM3,000 may own multiple credit cards from multiple issuers, subject to your credit background and the bank's approval requirement.

Question 4

How do Islamic credit cards work?

Accepted Answer

Islamic credit cards in Malaysia follow Syariah-compliant principles. Instead of charging interest (riba), they apply a fixed profit rate under concept like Ujrah. These cards are structured to avoid elements prohibited in Islam, such as uncertainty (gharar) and gambling (maisir).

Additionally, many Islamic credit cards include complimentary Takaful protection, which provides financial coverage in case of accidents, death, or total permanent disability. They're a good choice for those who want to manage finances while staying aligned with Islamic values.

Question 5

What is cashback and how it can help save money?

Accepted Answer

Cashback is one of the easiest ways you can get extra value from everyday spending. When you use a cashback credit card, you'll receive a small percentage of the money you spend credited back to your account. This means you're literally earning money back every time you swipe! Be it for groceries, petrol, online shopping, or even dining out.

Most cashback credit cards in Malaysia offer rebates between 1% to 15%, depending on the spending category and monthly conditions. For example, you might earn 5% cashback on weekend groceries or 8% for spending at petrol stations like Petronas or Shell.

However, keep in mind that cashback is usually subject to:

Monthly caps (e.g. up to RM30 or RM50 cashback per month)
Minimum spend requirements (e.g. RM500 or RM1,000 per month)
Specific categories only (like dining, petrol, online spend)

So, if you're a smart spender looking to cut costs, a cashback credit card is a practical choice that lets you stretch your ringgit further without changing your lifestyle.

Question 6

What happens if I fail to repay my credit card on time?

Accepted Answer

If you miss your payment, a finance charge between 15% to 18% per annum will be charged to your outstanding balance and will be compounded daily until you pay off the overdue amount.

Question 7

What is a CCRIS report?

Accepted Answer

The Central Credit Reference Information System (CCRIS) stores information about your credit history, which is referenced by all banks when evaluating your credit risk.

Question 8

Will my late payment affect my CCRIS report?

Accepted Answer

Unfortunately, yes. A late payment habit hurts your CCRIS record.

Other than that, you will also have a lower credit score, which will reduce your chances of getting approved on any loan application.

Question 9

How do I check my CCRIS report, and can I get it online?

Accepted Answer

According to BNM, you can request to obtain your personal CCRIS report online via the eCCRIS portal, but a registration is required if this is your first time accessing it.

You may get your credit report via any credit reporting agency, such as Experian, or visit the CCRIS kiosk at any AKPK branch near you as an alternative.

As a side note for business owners and deceased individuals, only authorised person(s) can request access to the credit report.

Question 10

Can I apply for a credit card with RinggitPlus?

Accepted Answer

Most definitely! The application steps are simple, and you can apply in just 10 minutes or less from the comfort of your home.

We will help check your eligibility so you don't have to worry about applying for credit cards with low approvals.

Here are the steps to apply for a credit card with RinggitPlus.

Step 1: Pick a credit card that suits your preference and monthly income from our website, and click the "Apply Now" button. If you're unsure of which credit card to get, try our credit card recommendation service. Just click on the "Chat on WhatsApp" button and we'll assist you.

Step 2: You will be redirected to our WhatsApp chatbot. From there, your application begins when you answer some questions from our chatbot.

Step 3: When you've finished answering all of our questions, your application will be sent to the bank. After that, all you need to do is sit back and wait for the bank to contact you.

Should you have any questions regarding your credit card application, reach out to us at can@ringgitplus.com. And while you're looking for the best credit cards, don't forget about our weekly flash deals, too. You'll get rewarded with high-value gifts just by signing up with us!

APPLY FOR PUBLIC BANK CREDIT CARD - ELIGIBILITY
Age of Principal Cardholder	Minimum 21 years old
Age of Supplementary Cardholder	Minimum 18 years old
Nationality	Anyone
Income Requirement (monthly)*	Public Bank Petron Visa Gold: RM2,000 Public Islamic Bank Visa Gold Credit Card-i: RM2,000 Public Bank AIA Visa Gold: RM2,000 Public Islamic Bank Mastercard Gold Credit Card-i: RM2,000 Public Bank Gold Visa: RM2,000 Public Bank Gold Mastercard: RM2,000 Public Bank Quantum Visa: RM3,000 Public Bank Mastercard Standard: RM3,000 Public Bank Quantum Mastercard: RM3,000 Public Bank Visa Platinum: RM4,166 Public Islamic Bank Mastercard Platinum Credit Card-i: RM3,333 Public Islamic Bank Visa Platinum Credit Card-i: RM3,333 Public Bank Platinum Mastercard: RM4,166 Public Bank Visa Signature: RM6,666 Public Bank World Mastercard Credit Card: RM8,333 Public Bank Visa Commercial: RM8,333 Public Bank Visa Infinite: RM8,333 Public Bank Visa Business: Any business Mutual Gold Public Bank Visa Platinum: By invitation only

DOCUMENTS FOR PUBLIC BANK CREDIT CARD APPLICATION
Salaried Employee	Self-Employed	Salaried Expatriate
✔ Copy of your IC (both sides) ✔ Latest 3 months' salary slips* OR latest EPF statement ✔ Latest BE Form with an official tax receipt ✔ Latest 3 months' bank statements	✔ Copy of your IC (both sides) ✔ Copy of Form 9, 24, and 49 OR Business Registration form ✔ Latest 6 months' company bank statements ✔ Latest B Form with an official tax receipt	✔ Copy of Passport ✔ Latest 2 months' salary slips* ✔ Copy of work permit valid for at least 6 months at the time of application ✔ Copy of letter of employment

Why apply with us

Not found the card you're looking for yet? Check out some other banks!

Overview of Public Bank Credit Cards In Malaysia

Public Bank Credit Card Benefits and Rewards

Cash MegaBonus Programme

VIP Points Rewards

Green Points Programme

Air Miles Rewards

Airport Lounge Access

Travel Insurance Coverage

Contactless Payment

E-Commerce Purchase Protection

Top Public Bank Credit Cards in Malaysia 2026

1. Public Bank Visa Signature

2. Public Bank World Mastercard

3. Public Bank Petron Visa Gold

4. Public Bank Quantum Mastercard

5. Public Bank Visa Infinite

Eligibility Criteria

Required Documents to Apply

Frequently Asked Questions (FAQs)

1. What are the interest rates for Public Bank credit cards?

2. What are the minimum monthly repayments for Public Bank credit cards?

3. How much does it cost to get a replacement Public Bank card?

4. What travel benefits can I enjoy with the Public Bank Credit Card?

5. How long does it take to get approved for a Public Bank credit card via RinggitPlus?

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