Public Bank AIA Visa Gold

A gold cashback credit card that gives an unlimited 0.2% cash rebate on AIA Insurance Premium payments, and 0.1% Cash MegaBonus on your retail purchases.

Public Bank AIA Visa GoldCashback and no annual fee
Min. Income
Annual Fee
up to 0.2%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a Complimentary
JBL GO 4 Ultra-Portable Bluetooth Speaker
worth RM299
when you apply through RinggitPlus *

JBL GO 4 Ultra-Portable Bluetooth Speaker

Our Previous Winners


Pay for your AIA insurance premium with Public Bank AIA Visa Gold and earn a 0.2% cash rebate per monthly statement cycle. Also, when you swipe on retail purchases locally and overseas, get a 0.1% unlimited Cash MegaBonus!

AIA Insurance Premiums0.2%uncappedfrom RM1 or above monthly
Cash MegaBonus on local and overseas retail purchases0.1%uncappedfrom RM1 or above monthly

Balance Transfer

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

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 2.5%one-time upfront handling feefrom RM1,000
24 months0% p.a. and 4.5%one-time upfront handling feefrom RM1,000
36 months0% p.a. and 6.5%one-time upfront handling feefrom RM1,000
48 months0% p.a. and 9.5%one-time upfront handling feefrom RM1,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

Enjoy low and competitive interest rates with flexible repayment terms of your choice with a Public Bank credit card instalment plan.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months2% one-time upfront handling feeRM1,000
24 months4% one-time upfront handling feeRM1,000
36 months6% one-time upfront handling feeRM1,000
48 months8% one-time upfront handling feeRM1,000
Learn more about Public Bank Flexipay 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 activation 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RM20 or 5% of withdrawn amount, whichever is higher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
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 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 anywhere with an instalment rate as low as 2% with this Public Bank Flexipay Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying as low as 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.


Everyone likes the 2-in-1 concept in beverages, gadgets, home appliances and what have you — 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.

Enjoy unlimited Cash MegaBonus with Public Bank AIA Visa Gold

It is as good as cash and credited into your Public Bank AIA Visa Gold credit card account every month. 

Cash MegaBonus is your getaway to enjoy considerable savings on your credit card expenses because it pays you back for every Ringgit spent. 

While 0.1% may look less profitable, 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.

0.2% cashback on AIA insurance premiums from Public Bank

As part of its partnership with AIA Malaysia, Public Bank gives a cash rebate on your AIA insurance policy premium payment. 

So, every month you deduct a portion from this credit card to your insurance policy will earn you 0.2% 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 the Internet or e-commerce are excluded.

Public Bank AIA Visa Gold — FREE annual fee 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 Public Bank credit card you've been looking for!

Manage your finances with an easy instalment plan

Like what you see but can't afford the purchase? Opt for the Public Bank Flexipay Plan, which is a flexible credit card instalment plan for purchases made at non-participating merchants at a small fee.

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

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