Public Bank Classic Visa credit card

Public Bank Classic Visa

Public Bank Classic Visa Cash is a card with no frills and no stress.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM79.50 annual fee
View product disclosure sheet.

Benefits

Because you should be rewarded for giving the bank your business

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 up to 6 months when you spend above RM5000!
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.5% one-time upfront handling feefrom RM500 
6 months0% p.a. and 0% one-time upfront handling feefrom RM2000 
12 months0% p.a. and 3% 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 0% Instalment Plan offers payments terms of up to 36 months on your retail purchases of over RM500 at ZERO interest rate.
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM500 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
9 months0% p.a. and no one-time upfront handling feefrom RM500 
12 months0% p.a. and no one-time upfront handling feefrom RM500 
18 months0% p.a. and no one-time upfront handling feefrom RM500 
24 months0% p.a. and no one-time upfront handling feefrom RM500 
30 months0% p.a. and no one-time upfront handling feefrom RM500 
36 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Public Bank Zero Interest Installment Plan
Premium
24-hour customer service - for all your questions regarding the bank's products and services.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM79.50
  • First year free
  • Waived when 12 swipes per year
Annual Fee for Supplementary Card
RM47.70
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RM21.20 or 5.30% of withdrawn amount, whichever is higher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
18%

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

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

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

Easy Payment Plan
Public Bank Zero Interest Installment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
Public Bank Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Public Bank Classic Visa review

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

Are you making at least RM24,000 per year and just reached 21st on your next birthday? Then you are eligible to own your first Public Bank Classic Visa to get through your adulthood with no frills and no stress!

No annual fee

So…if this is your first time owning a credit card, the bank is generous enough to waive the annual fee of RM79.50 for the first year just for you.

Plus, you too can enjoy not paying annual fee for the subsequent years when you swipe this card at minimum 12 times per year.

0% flexi payment

Want to splurge before your pay day without anxiety kicking in? – say no more as you can opt to pay for your shopping via instalment plan of up to 36 months at 0% interest.

All you need to do is notify the bank when you are about to make the purchase and select your repayment period.

The bank will convert the big amount into smaller pieces which you can afford to pay throughout the tenure beginning from your next statement date.

Cash advance

Sometimes unexpected things show up when we are most vulnerable, such as not having enough money for lunch in the middle of the month (sigh!).

In this case, or any emergencies, you can make a cash out from your credit card, provided you have sufficient available balance, at nearby ATMs to cover for the shortfall.

What’s more, when you withdraw them at Public Bank Group ATMs or branches nationwide, you get to enjoy a preferential fee of 5.3%, subject to a minimum fee of RM21.20 per withdrawal.

Balance transfer

Stop collecting unnecessary charges on your outstanding credit card balance by transferring them to Public Bank Balance Transfer plan at ZERO interest.

Pay only one-time upfront handling fee from as low as 1%, you can spread your outstanding balance over the long horizon, with repayment periods extended up to 36 months.

What to watch out for?

Well you need to have a discipline in repaying what you have owed. Can’t make a full payment? Then pay at least 5% of the outstanding amount before the 20-day grace period ends.

Otherwise, a steep finance charge in addition to late payment fee will come and bite you in your wallet!

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