Public Bank AIA Visa Gold

A gold cashback credit card gives 2% cash rebate on AIA Insurance Premium payments, 0.1% Cash MegaBonus and a free pass when you open a current account.

Public Bank AIA Visa GoldUnlimited Cash MegaBonus
Min. Income
Annual Fee
up to 2%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a FREE
RM180 Lazada e-voucher
worth RM180
when you apply through RinggitPlus3

RM180 Lazada e-voucher


Pay for your AIA insurance premium with Public Bank AIA Visa Gold and earn 2% cash rebate, capped at RM100 per year. Also, when you swipe on retail purchases locally and overseas, get a 0.1% unlimited Cash MegaBonus!

Cashback categoryCashback rateMonthly capSpend
AIA Insurance Premiums2%RM29from RM1 and above monthly
Cash MegaBonus on local and overseas retail purchases0.1%uncappedfrom RM1 and above monthly


Open a current account with Public Bank without an introducer when you own a Public Bank credit card.

Balance Transfer

Take advantage of savings and flexibility when you transfer your outstanding credit card debts to Public Bank credit card to benefit from a low one-time upfront interest starting from 0%.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 5.5% one-time upfront handling feefrom RM3,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM6,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

Enjoy low and competitive interest rate starting from 0% p.a. with flexible repayment terms of your choice with Public Bank credit card instalment plans.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months1% one-time upfront handling feeRM1,000
9 months2% one-time upfront handling feeRM2,000
12 months3% one-time upfront handling feeRM1,000
24 months5.5% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
Learn more about Public Bank Flexipay Plan
Public Bank Zero Interest Installment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM500
9 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
30 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about Public Bank Zero Interest Installment Plan

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life without condition

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
Public Bank Flexipay Plan
Tired of window shopping all the time? You can shop for anything at anywhere with instalment rate as low as 1% with this Public Bank Flexipay Plan.
Public Bank Zero Interest Installment Plan
Zero Interest means there's NO interest to pay for up to 36 months on retail transactions you choose to convert to Public Bank's Zero Interest Instalment Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.


Everyone likes 2-in-1 concept in beverages, gadgets, home appliances and what have yous - it is convenient, fast and infused with plenty of benefits. Imagine a marriage of 2 financial institutions merged into 1 facility; that is, my friend, the Public Bank AIA Visa Gold Credit Card.

Unlimited Cash MegaBonus

It is as good as cash and credited into your credit card account every month. Cash MegaBonus is your getaway to enjoy a considerable savings on your credit card expenses because it pays you back for every Ringgit spent. 

While 0.1% may look less profitable, but imagine the compounding effect of it on every Ringgit you have swiped? What's more, there's no capping on the cashback amount you will get back. But remember, only retail transaction is qualified for Cash MegaBonus.

2% AIA Insurance Premium Cashback

As part of its partnership with AIA Malaysia, Public Bank gives cash rebate on your AIA insurance policy premium payment, capped at RM100 per year. So, every month you deduct a portion from this credit card to your insurance policy will earn you 2% cashback.

This cash rebate is only applicable when you make AIA transactions via an auto debit facility or over the counter at AIA branches. Unfortunately, all AIA transactions made through internet or e-Commerce is excluded.

0% Balance Transfer

Want to recover your sleepless nights and hair falls for worrying over credit card debts? Here's where Public Bank Balance Transfer comes to the rescue.

Public Bank Balance Transfer helps you ease your financial distress by offering a zero interest rate and a low one-time upfront charges starting from 0% with repayment terms extended up to 36 months.

You can consolidate up to 4 credit cards and transfer to your Public Bank credit card, subject to 80% of the total available credit limit. The minimum transfer amount should be RM500, with repayment terms ranging from 6, 12, 24 and 36 months.

0% Instalment Plan

Like what you see but can't afford the purchase? With Public Bank’s Zero Interest Installment Plan (ZIIP), you have the privileges to swipe on the goods or services first then repay at a later date, i.e. one month after the successful EPP conversion.

First thing first, check if your merchants are ZIIP-approved, or else you can opt for Public Bank Flexipay Plan, which is also a flexible credit card instalment plan for purchases made at non-participating merchants at a small fee.

But if you're hurry, you can enjoy a 0% p.a. interest on your EPP conversion amount - always check out on Public Bank credit card promotions!

Annual Fee - FREE-for-Life without conditions

The best part of this Public Bank AIA Visa Gold Credit Card is that it's FREE for life without any conditions! With no annual fee commitment, you essentially could save up to RM200 a year. Wait no more as this is the credit card you've been looking for!