Public Bank Esso Mobil Visa Gold credit card

Public Bank Esso Mobil Visa Gold

Earn up to 5% cash rebate on fuel and non-fuel purchase at Esso, Mobil or Petronas service stations in Malaysia. 0.5% cashback on everything else!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 5% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Earn 5% cashback on purchases at Esso, Mobil, or Petron stations. Get 0.5% cash rebate on everything else. Capped at RM50 per month.
Discover how much you can save when you shop with your new Public Bank Esso Mobil Visa Gold
Cashback CategoryCashback RateMonthly CapSpend
PetrolSpendfrom RM1 up to RM100 monthly0.5%RM50from RM1 up to RM100 monthly
PetrolSpendfrom RM101 up to RM200 monthly1%RM50from RM101 up to RM200 monthly
PetrolSpendfrom RM201 up to RM500 monthly2%RM50from RM201 up to RM500 monthly
PetrolSpendfrom RM501 up to RM800 monthly3%RM50from RM501 up to RM800 monthly
PetrolSpendfrom RM801 and above monthly5%RM50from RM801 and above monthly
Other Retail PurchasesSpendany amount in a single receipt0.5%RM50any amount in a single receipt
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
6 months1% one-time upfront handling feefrom RM500 
9 months0% one-time upfront handling feefrom RM2000 
12 months2% one-time upfront handling feefrom RM1000 
24 months5% one-time upfront handling feefrom RM2000 
36 months7% one-time upfront handling feefrom RM3000 
Learn more about Public Bank Flexipay Plan
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
Petrol
Save on petrol - get up to 5% cashback at Esso, Mobile and Petron stations.
Premium
Have instant access to your money from any VISA or PLUS ATM anywhere the world over. For cash withdrawals suing any Public Bank ATM, the regular service fee of RM10 for each transaction is waived.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
Annual Fee for Supplementary Card
RM0
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 Flexipay 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.