Public Bank Gold Visa credit card

Also available as MasterCard

Public Bank Gold Visa

Public Bank MegaBonus gives you up to 0.2% back in cash for every Ringgit you spend. Enjoy 24-hour customer service and low cash advance fees.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 0.2% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM159.00 annual fee

Live Free & Drive Easy with Your New Public Bank Credit Card

Complimentary RM200 Touch 'n Go Card upon RM250 spent

Exclusively for Maxis users

Free Nescafe Dolce Gusto Coffee Maker with your new Public Bank Credit Card!

Apply online now for Public Bank Gold Visa

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Because you should be rewarded for giving the bank your business

Enjoy a Cash MegaBonus! Get up to 0.5% cashback on all local retail purchases excluding petrol. No maximum cashback limit.
Discover how much you can save when you shop with your new Public Bank Gold Visa
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM1 and above monthly0.2%uncappedfrom 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 low one-time upfront interest starting from 0%.
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)
Pay upfront interest as low as 0% for instalment of 9 months on your purchases.
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feefrom RM500 
9 months0% one-time upfront handling feefrom RM2000 
12 months3% 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
FREE Automatic Travel Insurance coverage up to RM500,000 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 RM500000
Enjoy lower cash advance rates - only 5% (subject to 6% GST) at any Public Bank ATMs in Malaysia. On top of that, now you can open a current accunt with Public Bank without an introducer to support your application.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when you swipe 12 times for subsequent years
Annual Fee for Supplementary Card
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

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


Are you eligible for this credit card?

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


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

Easy Payment Plan
Public Bank Flexipay 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 credit card by Public Bank. Get cashback on all your transactions, complimentary travel insurance, and 0% interest on all balance transfers and instalment plans. That’s cash rebates whenever you spend, plus a whole lot of savings!

Unlimited Cash Back

Swipe away and get great rebates coming your way 'cause there aren't any cashback limits on your Public Bank Gold Visa. Enjoy 0.2% rebates on all your purchases both locally and abroad. All your cashback rebates will be credited to your account monthly based on a tiered rate – the more you spend in a month the more cashback you’ll get. 

0% Instalment Plan

Can’t afford your purchase? No problem! With Public Bank’s Zero Interest Installment Plan (ZIIP) you can swipe first and repay what you owe in monthly instalments from 3 to 36 months. Did we mention that you’ll also get 0% interest on all ZIIP purchases? 

Check if your merchants are ZIIP approved and start planning for your next big purchase! For purchases at non-participating merchants you can still get them with Public Bank Flexipay Plan, but you'll have to pay a handling fee of 1-7%. 

0% Balance Transfer

Enjoy more savings coming your way when you get a balance transfer with Public Bank. Choose between tenures of 6 to 36 months, pay a one-time handling fee, and repay what you owe at 0% interest. But there’s more! Transfer more than RM6000 to your Public Bank Gold Visa for a 6-month tenure and you won't have to pay a thing! That’s 0% interest and no upfront handling fee.

Free Travel Insurance

Remember to charge your flight tickets to your Public Bank Gold Visa each time you go on a business trip or a holiday. You''ll get automatic travel insurance with up to RM500,000 in benefits and coverage for travel inconveniences.

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