Public Bank AIA Visa Gold credit card

Public Bank AIA Visa Gold

2% cash rebate on AIA insurance premiums and unlimited MegaBonus of up to 0.5% on all other purchases make this a Gold cashback card.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 2% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM159.00 annual fee

Get A RM200 Lazada e-Voucher With Your New Public Bank Credit Card!

Get A RM200 Lazada e-Voucher With Your New Public Bank Credit Card!

Apply online now for Public Bank AIA Visa Gold

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Because you should be rewarded for giving the bank your business

2% cash rebate on all your AIA insurance premiums capped at RM350 a year, and up to 1% unlimited Megabonus cashback on everything else. Petrol not included.
Discover how much you can save when you shop with your new Public Bank AIA Visa Gold
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM1 and above monthly0.2%uncappedfrom RM1 and above monthly
AIA Insurance PremiumsSpendany amount2%uncappedany amount
Balance Transfer
Why pay high interest charges when you can transfer your credit card debts using the Public Bank Balance Transfer - Pay 0% interest for 6 months when you spend above RM6,000!
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1% one-time upfront handling feefrom RM500 
6 months0% p.a. and 0% one-time upfront handling feefrom RM6000 
12 months0% p.a. and 2.5% one-time upfront handling feefrom RM1000 
24 months0% p.a. and 5% one-time upfront handling feefrom RM3000 
36 months0% p.a. and 7% one-time upfront handling feefrom RM6000 
Learn more about Public Bank Balance Transfer
Easy Payment Plan (EPP)
Public Bank Flexipay Plan offers payments terms of up to 24 months on your retail purchases of over RM500.
Get FREE Travel Insurance with coverage up to RM300,000 when you charge your travel costs to your card. You can even claim for inconvenience benefits due to luggage delay, luggage loss, flight delay, missed connecting flight, and trip cancellations expenses.
Travel CoverageSum Insured
Travel InsuranceUp to RM300000

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when you swipe 12 times for subsequent years
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Balance Transfer
Public Bank Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Public Bank AIA Visa Gold review

What's so good (or not so good) about it?

Launched as part of Public Bank’s strategic insurance model partnership with AIA Bhd, the Public Bank AIA Visa Gold Credit Card has been widely advertised as the card that gives you more. But how much more does it give you? Keep reading below for more details.

No Limit Cash Back for Shopping

With no limit cash back of up to 0.2% on retail purchases worldwide, the Public Bank AIA Visa Gold Credit Card is especially suitable for big and frequent spenders, who can now afford to spend without having to worry about caps on cash back. 

2% Cash Back for AIA Insurance Premium

In addition, the Public Bank AIA Visa Gold Credit Card offers 2% cash back on AIA insurance premiums with maximum cash back of RM350 per year. This extra perk is especially attractive for consumers who plan to take on AIA insurance as a visible majority of other credit cards usually side with Great Eastern or other insurance.

FREE RM300,000 per Annum Travel Insurance

The Public Bank AIA Visa Gold Credit Card provides an attractive RM300,000 per annum travel insurance covering everything from lost luggage to missed and delayed flights. Frequent flyers booking their flight with the credit card can now travel with ease knowing that they are protected from any potential mishaps.

Low Interest Cash Advance

Need cash fast to pay for an unplanned medical bill or car repair? Public Bank cardholders will be given preferential fees on cash loans on your credit card limit. Enjoy 5.3% (6% GST included) at Public Bank ATMs and branches all over Malaysia, subject to a minimum cash advance fee of RM21.20 (6% GST included) per withdrawal.

0% Interest 6 Months Balance Transfer

The Public Bank AIA Visa Gold Credit Card offers 0% interest for Public Bank balance transfers over a period 6 months when you transfer at least RM6,000. Prospective consumers can now alleviate some of the pressure of payment by enjoying the interest free perk.

The Verdict

Cash back for insurance premiums remain a rarity amongst the multitude of credit cards in Malaysia. With 2% cash back for AIA insurance premiums, the Public Bank AIA Visa Gold Credit Card has established itself as a standout candidate from the rest of the credit cards in Malaysia. 

Throw in a generous travel insurance package and no limits on cash back for retail purchases and the Public Bank AIA Visa Gold Credit Card truly lives up to its tagline as the card that gives you more. Want your family share the same privileges? You can apply for supplementary cards for them to enjoy the same cash rebates, discounts, and lifestyle perks Public Bank and AIA has to offer.

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