Public Bank Gold Visa
Earn unlimited Cash MegaBonus for every Ringgit swiped locally and overseas. Or convert your big-ticket item purchase into flexible easy payment plans.

Product summary
- 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
Amazfit GTS 2 Mini Smartwatch
worth RM389
when you apply through RinggitPlus *

Our Previous Winners
Hear from our users
Find out how Malaysians start making smart financial decisions with us
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 CATEGORY | CASHBACK RATE | MONTHLY CAP | SPEND |
---|---|---|---|
Local and Overseas Retail Purchases | 0.1% | uncapped | from 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 Over | With Interest Rate At | When You Transfer |
---|---|---|
6 months | 0% p.a. and 1%one-time upfront handling fee | from RM1,000 |
12 months | 0% p.a. and 2.5%one-time upfront handling fee | from RM1,000 |
24 months | 0% p.a. and 4.5%one-time upfront handling fee | from RM1,000 |
36 months | 0% p.a. and 6.5%one-time upfront handling fee | from RM1,000 |
48 months | 0% p.a. and 9.5%one-time upfront handling fee | from RM1,000 |
Easy Payment Plans
Enjoy a low upfront fee starting from 1.5% p.a. or zero interest rates 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 | 1.5% one-time upfront handling fee | RM1,000 |
9 months | 2% one-time upfront handling fee | RM1,000 |
12 months | 2.5% one-time upfront handling fee | RM1,000 |
24 months | 5% one-time upfront handling fee | RM2,000 |
36 months | 6.5% one-time upfront handling fee | RM3,000 |
48 months | 9% one-time upfront handling fee | RM5,000 |
Pay Over | With Interest Rate At | When You Spend |
---|---|---|
3 months | 0% p.a. and no one-time upfront handling fee | RM500 |
6 months | 0% p.a. and no one-time upfront handling fee | RM500 |
9 months | 0% p.a. and no one-time upfront handling fee | RM500 |
12 months | 0% p.a. and no one-time upfront handling fee | RM500 |
18 months | 0% p.a. and no one-time upfront handling fee | RM500 |
24 months | 0% p.a. and no one-time upfront handling fee | RM500 |
30 months | 0% p.a. and no one-time upfront handling fee | RM500 |
36 months | 0% p.a. and no one-time upfront handling fee | RM500 |
Fees & Charges
- Annual Fee
- RM150 primary card
Free for first year
Waived when you swipe 12 times for subsequent years
- RM100 supplementary card
- RM150 primary 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 at anywhere with installment rate as low as 1.5% 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 as low as 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.