Public Bank Gold Visa

Earn unlimited Cash MegaBonus for every Ringgit swiped locally and overseas. Or convert your big-ticket item purchase into a flexible easy payment plan.

Public Bank Gold VisaUnlimited retail cashback
Min. Income
RM2,000/month
Annual Fee
Free*
Cashback
up to 0.1%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a Complimentary
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worth RM229
when you apply through RinggitPlus *

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Our Previous Winners

Cashback

Unlimited 0.1% Cash MegaBonus is yours for every Ringgit spent on retail purchases locally and overseas. Getting cashback every month is easy as there is no limit to credit card usage!

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
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-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
  • RM150 primary card

    Free for first year

    Waived when you swipe minimum 12 times over the preceding 12 months

  • RM100 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RM20 or 5% of withdrawn amount, whichever is higher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
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

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.

Review

Lots of value is packed into this Gold Visa credit card by Public Bank. 

Get unlimited Cash MegaBonus on all your retail transactions, 0% interest on all balance transfers and flexi instalment plans, and many exclusive deals and discounts at Public Bank's merchants.

Unlimited Cash MegaBonus with Public Bank Gold Visa

Swipe your Public Bank Gold Visa to earn an unlimited 0.1% Cash MegaBonus every month. 

Cash MegaBonus is your gateway 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 transactions are qualified for this cashback.

Annual fee waiver for Public Bank Gold Visa

It is worth noting that the Public Bank Gold Visa credit card is issued free of charge in the first year.

This should encourage you to spend more and reap the benefits and privileges of being a Public Bank credit cardholder.

Plus, you can maintain not paying the annual fees for the subsequent years when you make a minimum of 12 swipes in a year.

0% Balance Transfer

Want to recover your sleepless nights and hair falls from 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 low one-time upfront charges starting from 1.5% with repayment terms extended up to 48 months.

You can consolidate up to 4 credit cards and transfer them to your Public Bank credit card, subject to 80% of the total available credit limit. 

The minimum transfer amount should be RM1.000, with repayment terms ranging from 6, 12, 24, 36 and 48 months.  

Flexible Instalment Plans

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 0% p.a. interest on your EPP conversion amount — always check out Public Bank credit card promotions!

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