Overview of Public Bank Credit Cards In Malaysia
Malaysians love the fact that Public Bank’s extensive range of credit card offerings provides value for users.
From cashback, air miles, premium lifestyle offerings, and travel-ready cards, you can’t go wrong with Public Bank credit cards.
What are the Public Bank Credit Card Benefits?
From high cashback rates, flexible repayment plans, to VIP points to air miles conversion, Public Bank credit cards can help level up your lifestyle even better.
If you're browsing for your first credit card or if you want to add another credit card from a different bank to your wallet, look no further than Public Bank cards!
Earn Cashback for Everyday Spending
A good cashback credit card is determined by how rewarding its cashback policies are.
In that regard, Public Bank’s cashback credit cards such as the Quantum Mastercard, Quantum Visa and Visa Signature stand out.
Earn cashback on dining, online, department store, and even grocery purchases!
Get VIP points and Air Miles Points for Free Flights
What other benefit is there besides cashback? Public Bank cards let you earn VIP Points for every Ringgit spent.
The Public Bank Visa Signature not only offer cashback, but you also earn Green Points (New!) and VIP points PLUS free access to participating local airport lounge! How’s that for an all-rounder card?
For the elite, the Public Bank World Mastercard lets you earn air miles points that can be converted into—you guessed it—your favourite airline’s rewards program.
Accelerate your miles accumulation by spending your card overseas, and fly for free in no time.
Enjoy Free Travel Insurance Coverage - Up to RM500,000 coverage
Managing an emergency while abroad is a daunting task.
With that in mind, Public Bank Berhad (PBB) credit cards cover you and your supplementary card members with complimentary travel insurance when you purchase your full travel arrangement with your Public Bank cards.
Enjoy coverage of up to RM500,000 for travel inconveniences, including luggage delay, luggage loss, flight delay, missed connecting flights, trip cancellations, and repatriation expenses.
PBB Flexible Balance Transfer via an Installment Plan
It's always a good idea to keep the outstanding balance of your credit card at the lowest interest rate where possible.
Enjoy low and flat interest rates when you consolidate your outstanding balances from other credit cards to your Public Bank card with a Public Bank balance transfer.
You can choose flexible tenures from up to 48 months with Public Bank's zero interest rates and small one-time upfront fees.
Complimentary Mastercard E-Commerce Purchase Protection Programme
Enjoy complimentary protection for your Public Bank Mastercard World credit card.
Receive USD200 coverage for all your online purchases worldwide against incomplete deliveries, the wrong items delivered, non-delivery of items, and physical damage to delivered items—all when you pay with your Public Bank World Mastercard.
Public Bank Credit Card Promotion
Another perk of owning a PBB credit card is helping you save money while enjoying life to the fullest.
The Public Bank credit card special promotion offers irresistible deals and discounts on online shopping, dining, dessert, health and beauty, gadgets, travel and many more.
If this makes you excited, go to the bank's website to view the list of Public Bank credit card promotions.
Remember to 'bookmark' it on your laptop so you'll never miss a deal!
What are the interest rates for Public Bank credit cards?
Like most banks in Malaysia, Public Bank adopts a tiered interest rate in the range of 15% to 18% per annum as recommended by Bank Negara Malaysia.
Credit card interest rates will commonly be higher if you have a history of inconsistent repayments and vice versa and lower interest rates if you are prompt in repayments.
What are the minimum monthly repayments for Public Bank credit cards?
Public Bank cardholders are required to make minimum monthly repayments of 5% of the current balance or a minimum of RM50, whichever is higher.
Monthly repayments will have to be made within the stipulated due date.
Failure to do so may result in a late payment charge of a minimum of RM10 or 1% of the total outstanding balance (excluding interests and fees), whichever is higher and up to a maximum of RM100.
How much does it cost to get a replacement Public Bank card?
If your Public Bank card gets lost, stolen or damaged, you can get a replacement credit card for RM50 per card within five to seven working days from the date of issuance.
What travel benefits can I enjoy with the Public Bank Credit Card?
If you’re a frequent flyer looking to earn air miles while spending locally or overseas, the Public Bank World MasterCard Credit Card offers generous travel rewards and practical perks.
You’ll collect up to 3X Air Miles Points for every Ringgit spent overseas and locally, which can be redeemed for Malaysia Airlines Enrich Points or AirAsia Points — perfect for reducing your next flight cost!
Enjoy 3X complimentary airport lounge access annually at participating Plaza Premium Lounges in KLIA Malaysia, plus travel insurance coverage up to RM500,000, including protection for delays, missed flights, and lost luggage.
Am I eligible to apply for Public Bank credit cards?
To apply for a Public Bank credit card, the principal cardholder will have to be at least 21 years old, while the supplementary cardholder is to be at least 18 years old.
Minimum annual income, on the other hand, differs from card to card.
*Please note that the minimum income requirement for expatriates might be different.
How do I apply for a Public Bank credit card?
Apply for Public Bank credit cards from the comfort of your home—or anywhere, as the application can be made online on RinggitPlus!
All you have to do is compare all the Public Bank credit cards and apply now. Be sure to also check out the latest credit card promotion that we have every week! Who knows you might just get lucky to bring home awesome sign-up gifts.
What are the documents for the Public Bank credit card application?
If you have a credit card in mind, you can compare and apply for a Public Bank card online on RinggitPlus.
To speed up your credit card application, it’s best to prepare the general documents required for a credit card application. They are as follows:
| DOCUMENTS FOR PUBLIC BANK CREDIT CARD APPLICATION | ||
|---|---|---|
| Salaried Employee | Self-Employed | Salaried Expatriate |
|
✔ Copy of your IC (both sides)
✔ Latest 3 months' salary slips* OR latest EPF statement ✔ Latest BE Form with an official tax receipt ✔ Latest 3 months' bank statements |
✔ Copy of your IC (both sides)
✔ Copy of Form 9, 24 and 49 OR Business Registration form ✔ Latest 6 months' company bank statements ✔ Latest B Form with an official tax receipt |
✔ Copy of Passport
✔ Latest 2 months' salary slips* ✔ Copy of work permit valid for at least 6 months at the time of application ✔ Copy of letter of employment |
*The number of months of salary slips required will depend on the nature of your work. Have your commission slips with you if available.
Top Public Bank Credit Cards in Malaysia 2025:
1. Public Bank Visa Signature - The Public Bank Travel Credit Card with Golf Perks
An all-rounded credit card with cashback, Green Points, VIP Points, and local airport lounge access—what more do you need? Enjoy 2% cashback on groceries, online transactions, and dining, with a minimum spending of RM100. You can also enjoy to travel in comfort with 2x complimentary access to selected Plaza Premium Lounge in Malaysia—and safe in the knowledge that you are also covered with up to RM500,000 travel insurance.
Finally, earn 10x Green Points on every RM1 spent on selected Green Category transactions, 3x VIP Points on other overseas retail purchases and 1x VIP Points on other local retail purchases (spending exclusions included). Did we mention that this card’s annual fee is waived when you use it 12 times a year?
2. Public Bank World Mastercard - The Public Bank Travel Credit Card with Air Miles
This Public Bank travel credit card offers 3x complimentary passes to participating Plaza Premium Lounge in Malaysia and lets you travel with peace of mind with up to RM500,000 complimentary travel insurance when you pay for your trips with this card, and Wallet Guard.
Earn up to 3x Air Miles Points for every RM1 spent on retail overseas and local, take full advantage of the perks offered by this free-for-life premium card!
3. Public Bank Petron Visa Gold - The Public Bank Cashback Credit Card
If you regularly fuel up at Petron, the Public Bank Petron Visa Gold Credit Card is a smart choice to earn rewards on every purchase. With this card, you can enjoy up to 5% cashback on both fuel and non-fuel purchases at any Petron service station nationwide. The cashback is tiered based on your monthly spending (capped at RM50 per statement cycle). The more you spend, the more cashback you’ll earn!
On top of that, this card gives you unlimited Cash MegaBonus of 0.1% on all other local and overseas retail purchases. Whether you're pumping petrol, stocking up on groceries, or shopping abroad — this card rewards you every step of the way.
4. Public Bank Visa Infinite - The Public Bank Cashback Credit Card with Travel Perks
Another premium PBB cashback credit card with zero annual fees, the Public Bank Visa Infinite is yet another solid offering.
Enjoy a 0.3% cash rebate and 2% Cash MegaBonus on all retail spending locally and overseas, complimentary travel insurance of up to RM500,000 coverage, and 3x complimentary Plaza Premium Lounge access in selected airports in Malaysia.
5. Public Islamic Bank Visa Platinum Credit Card-i - The Islamic Cashback Credit Card
For a Shariah-compliant credit card with rewarding perks, Public Bank offers two solid options under its Islamic range.
The Public Islamic Bank Visa Platinum Credit Card-i gives you 2% cash back on all your online and overseas spending— ideal for digital shoppers and frequent travellers.
Meanwhile, the Public Islamic Bank Platinum MasterCard Credit Card-i lets you earn 2% cash back on groceries and department store purchases, perfect for everyday essentials.
Both cards are based on the Ujrah concept, with no compounding interest and Zakat-friendly features — making them a great ethical choice for Muslim cardholders who don’t want to miss out on daily rewards.
How Long Does It Take to Get Approved for a Public Bank Credit Card via RinggitPlus?
The approval process for a Public Bank credit card via RinggitPlus depends on the bank’s processing time and how complete your application is. After applying through RinggitPlus, you’ll receive a welcome email with instructions to finalize your application with Public Bank.
To prevent any delays, ensure that all required documents are submitted accurately. If you don’t see the email in your inbox, check your Promotions or Spam folder. Once your application is submitted, the bank will review it and reach out to you once it's processed. For any assistance, you can contact us at [email protected].
By applying through RinggitPlus, you’ll receive exclusive credit card sign-up gifts not available elsewhere. It’s a fast, simple, and rewarding way to apply — especially for first-time users looking for both convenience and perks.
