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

Public Bank Gold VisaUnlimited Cash MegaBonus!
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 FREE
RM180 Lazada e-voucher
worth RM180
when you apply through RinggitPlus2

RM180 Lazada e-voucher

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!

Cashback categoryCashback rateMonthly capSpend
on retail purchases locally and overseas0.1%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 a low one-time upfront interest starting from 0%.

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 3% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 5.5% one-time upfront handling feefrom RM3,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM6,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

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.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months1% one-time upfront handling feeRM1,000
9 months2% one-time upfront handling feeRM2,000
12 months3% one-time upfront handling feeRM1,000
24 months5.5% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
Learn more about Public Bank Flexipay Plan
Public Bank Zero Interest Installment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM500
9 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
30 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about Public Bank Zero Interest Installment Plan

Fees & Charges

Annual Fee
  • RM150 primary card

    Free for first year

    Waived when you swipe 12 times for subsequent years

  • RM100 supplementary card
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, 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%

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  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 at anywhere with instalment rate as low as 1% with this Public Bank Flexipay Plan.
Public Bank Zero Interest Installment Plan
Zero Interest means there's NO interest to pay for up to 36 months on retail transactions you choose to convert to Public Bank's Zero Interest Instalment Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying 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 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.