Public Bank Classic Visa credit card

Public Bank Classic Visa

Public Bank Classic Visa Cash MegaBonus offers you up to 0.6% back in cash for every Ringgit you charge to your Card.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 0.6% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM79.50 annual fee

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Earn up to 0.6% cashback on all retail purchases excluding petrol. No maximum cashback limit. Enjoy the Public Bank Cash Megabonus.
Discover how much you can save when you shop with your new Public Bank Classic Visa
Cashback CategoryCashback RateMonthly CapSpend
 Spendup to RM30000.3%RM9up to RM3000
 Spendfrom RM3001 up to RM100000.5%RM50from RM3001 up to RM10000
 Spendfrom RM10000 and above0.6%uncappedfrom RM10000 and above
Rewards
Earn Activation Cash Rewards of RM30 for the accumulated retail spending of RM80 or more charged on the card within the first 2 months from the date the card is approved.
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% 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 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
Travel
FREE Automatic Travel Insurance coverage up to RM350000 when the full travel arrangement is charged to your card. You can even claim for inconvenience due to delayed or lost luggage, missed and delayed flights, and trip cancellations.
Travel CoverageSum Insured
Travel InsuranceUp to RM350000
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%

*inclusive of 6% GST

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.