Public Bank Gold Visa

Love shopping? Earn unlimited Cash MegaBonus for every Ringgit swiped locally and overseas. Or convert your big-ticket item purchase into an interest-free flexi payment plan

15% p.a. interest rate
20 days interest-free period
up to 0.1% cashback
0% p.a. balance transfer over 36 months
Easy Payment Plan (EPP)
RM150.00 annual fee

Benefits
Fees & Charges
Requirements
Features
Review
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Live Free & Drive Easy with Your New Public Bank Credit Card

Complimentary RM200 Air Asia Voucher upon RM250 spent

2018-02-222019-05-31

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*Complimentary RM200 Air Asia Voucher! - Terms and Conditions apply.

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Benefits

Because you should be rewarded for giving the bank your business

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 the credit card usage!

Discover how much you can save when you shop with your new Public Bank Gold Visa
Cashback Category		Cashback Rate	Monthly Cap	Spend
on retail purchases locally and overseas	Spendfrom RM1 and above monthly	0.1%	uncapped	from RM1 and above monthly

Balance Transfer

Take advantage of savings and flexibility when you transfer your outstanding credit card debts to Public Bank credit card to benefit from a low one-time upfront interest starting from 0%.

Pay Over	With Interest Rate At	When You Transfer
6 months	0% p.a. and 1% one-time upfront handling fee	from RM1000
12 months	0% p.a. and 3% one-time upfront handling fee	from RM2000
24 months	0% p.a. and 5.5% one-time upfront handling fee	from RM3000
36 months	0% p.a. and 7% one-time upfront handling fee	from RM6000

Learn more about Public Bank Balance Transfer

Easy Payment Plan (EPP)

Enjoy low and competitive interest rate starting from 0% p.a. with flexible repayment terms of your choice with Public Bank credit card instalment plans.

Pay Over	With Interest Rate At	When You Spend
6 months	1% one-time upfront handling fee	from RM1000
9 months	2% one-time upfront handling fee	from RM2000
12 months	3% one-time upfront handling fee	from RM1000
24 months	5.5% one-time upfront handling fee	from RM2000
36 months	7% one-time upfront handling fee	from RM3000

Learn more about Public Bank Flexipay Plan

Pay Over	With Interest Rate At	When You Spend
3 months	0% p.a. and no one-time upfront handling fee	from RM500
6 months	0% p.a. and no one-time upfront handling fee	from RM500
9 months	0% p.a. and no one-time upfront handling fee	from RM500
12 months	0% p.a. and no one-time upfront handling fee	from RM500
18 months	0% p.a. and no one-time upfront handling fee	from RM500
24 months	0% p.a. and no one-time upfront handling fee	from RM500
30 months	0% p.a. and no one-time upfront handling fee	from RM500
36 months	0% p.a. and no one-time upfront handling fee	from RM500

Learn more about Public Bank Zero Interest Installment Plan

Fees & Charges

There are always fees but how much are they?

Annual Fee

RM150.00

Free for first year
Waived when you swipe 12 times for subsequent years

Annual Fee for Supplementary Card

RM100.00

Sales and Service Tax

RM25 on each principal and supplementary card upon approval and anniversary date

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

RM20.00 or 5.00% of withdrawn amount, whichever is higher

Interest Rate on Cash Withdrawals

18%

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.

Public Bank Gold Visa review

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

Lots of value packed into this Gold Visa credit card by Public Bank. Get unlimited Cash MegaBonus on all your retail transactions, 0% interest on all balance transfer and instalment plans, and many exclusive deals and discounts at Public Bank's merchants.

Unlimited Cash MegaBonus

Swipe your Public Bank Gold Visa to earn an unlimited 0.1% Cash MegaBonus every month. Cash MegaBonus is your getaway to enjoy a considerable savings on your credit card expenses because it pays you back for every Ringgit spent.

While 0.1% may look less profitable, but 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 this cashback.

0% Balance Transfer

Want to recover your sleepless nights and hair falls for 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 a low one-time upfront charges starting from 0% with repayment terms extended up to 36 months.

You can consolidate up to 4 credit cards and transfer to your Public Bank credit card, subject to 80% of the total available credit limit. The minimum transfer amount should be RM500, with repayment terms ranging from 6, 12, 24 and 36 months.

0% Instalment Plan

Like what you see but can't afford the purchase? With Public Bank’s Zero Interest Installment Plan (ZIIP), you have the privileges to swipe on the goods or services first then repay at a later date, i.e. one month after the successful EPP conversion.

First thing first, check if your merchants are ZIIP-approved, or else you can opt for Public Bank Flexipay Plan, which is also a flexible credit card instalment plan for purchases made at non-participating merchants at a small fee.

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

Annual Fee Waiver

It is worth noting that Public Bank Gold Visa credit card is issued for free of charge in the first year. This should encourage you to spend more and reap the benefits and privileges of being Public Bank credit card holders.

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