Public Bank Petron Visa Gold credit card

Public Bank Petron Visa Gold

Get this PB credit card to enjoy up to 5% cashback at any Petron service station in Malaysia. Get uncapped 0.5% cashback for all other expenses!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 5% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM0.00 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 Petron Visa Gold

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Because you should be rewarded for giving the bank your business

Get up to 5% cashback on any transactions at Petron - be it to be fuel or grocery, capped at RM50 per month. You'll also enjoy unlimited cashback of 0.2% for other retail purchases.
Discover how much you can save when you shop with your new Public Bank Petron Visa Gold
Cashback CategoryCashback RateMonthly CapSpend
Petron PurchasesSpendup to RM1000.5%RM50up to RM100
Petron PurchasesSpendfrom RM101 up to RM200 monthly1%RM50from RM101 up to RM200 monthly
Petron PurchasesSpendfrom RM201 up to RM500 monthly2%RM50from RM201 up to RM500 monthly
Petron PurchasesSpendfrom RM501 up to RM800 monthly3%RM50from RM501 up to RM800 monthly
Petron PurchasesSpendfrom RM801 and above monthly5%RM50from RM801 and above monthly
Other RetailSpendany amount monthly0.2%uncappedany amount monthly
Balance Transfer
Consolidate your credit card balances and transfer a minimum amount of RM500 to a new Public Bank credit card to enjoy interest rates as low as 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)
Planning to spend RM500 or more on your credit card in one go? Your purchases are eligible to enrol to Public Bank Flexipay Plan for instalment of up to 24 months.
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
Save up on RON95 and RON97 - you'll never know when prices might shoot up! Enjoy up to 5% cashback at Petron. The maximum rebate is RM50 per month.
Complimentary personal accident insurance of up to RM20000.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
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 Petron Visa Gold review

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

Annual Fee Waiver

Great news for people just thinking about applying for a new credit card - no more government service tax and zero annual fees for life with the Public Bank Petron Visa Gold!

There's no catch! No minimum spend requirements here - with no annual fees, you're also free from paying the 6% GST!

5% Cashback

With the Public Bank Petron Visa Gold, put money back into your pocket with up to 5% cash rebates capped at RM50 each month whenever you spend at any Petron service station in Malaysia!

You'll earn cashback with a maximum of 5% when you spend at least RM800 and above - if you live near a Petron or just prefer to refuel at one, it might be worthwhile to get the Public Bank Petron Visa.

Unlimited Extra Cashback

But the 5% cashback isn't the only reason why this Public Bank credit card is such a great cash rebate card!

Besides Petron, you can earn unlimited Public Bank Cash MegaBonus of 0.2% for all the other retail purchases both locally and internationally. Your Cash MegaBonus will be credited to your credit card account.

However, the cashback excludes transactions at casinos, petrol stations, balance transfer, cash advance, government-related payment, and payment to charity. Any bill payments via ATM and PBe online banking are also been excluded from Cash MegaBonus.

Required Document

So, what do you need to prepare to apply for this credit card? We've listed them below!

If you're a salaried employee:

  • Latest month payslip
  • Latest EA statement
  • Latest EPF statement
  • Employment letter or employer confirmation

If you're self-employed:

  • Latest 1 year's tax returns or tax receipts
  • Latest 6 months' savings or current account statement

If you earn variable income:

Latest 6 months of the following:

  • Overtime as reflected on the payslips
  • Commission statements
  • Fee statements

Latest 3 months of the following:

  • Dividend statements
  • Interest statements

If you earn overseas income:

  • Latest 3 months' payslips
  • Latest 2 years' Notice of Assessment (for Singapore only)
  • Employment letter

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