Public Bank Petron Visa Gold credit card

Public Bank Petron Visa Gold

A dedicated petrol cashback credit card for Petron patrons. Earn up to 5% Cash MegaBonus on fuel and non-fuel purchases at Petron Service Station nationwide.

  • 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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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Get up to 5% Cash MegaBonus, capped at RM50 per month on all retail transactions made at Petron Service Station nationwide.
Discover how much you can save when you shop with your new Public Bank Petron Visa Gold
Cashback CategoryCashback RateMonthly CapSpend
Retail Purchase at Petron Service StationSpendfrom RM1 up to RM100 monthly0.5%RM50from RM1 up to RM100 monthly
Retail Purchase at Petron Service StationSpendfrom RM101 up to RM200 monthly1%RM50from RM101 up to RM200 monthly
Retail Purchase at Petron Service StationSpendfrom RM201 up to RM500 monthly2%RM50from RM201 up to RM500 monthly
Retail Purchase at Petron Service StationSpendfrom RM501 up to RM800 monthly3%RM50from RM501 up to RM800 monthly
Retail Purchase at Petron Service StationSpendfrom RM801 and above monthly5%RM50from RM801 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 1.5% 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)
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.
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feefrom RM500 
6 months0% one-time upfront handling feefrom RM1500 
9 months2% 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
Petrol
Beat that weekly oil price fluctuation on RON95 and RON97 with Cash MegaBonus to enjoy savings on fuel expenses.
Premium
Open a current account with Public Bank without an introducer when you own a Public Bank credit card.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
Annual Fee for Supplementary Card
RM0
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
18%

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

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

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?

Weekly oil price revision has got you all nervy and expecting the worst? Don't be as Public Bank Petron Visa Gold has got your back and ensuring you gain more savings, flexibility and benefits with a swipe of a card.

Free Annual Fee for Life

First and foremost, this cashback credit card is free for a lifetime with no conditions or whatsoever attached. Having a peace of mind carrying a credit card that is free should be the same as driving on a free highway, isn't it?

Unlimited Cash MegaBonus

Second of all, Petron Visa Gold credit card can help you save even more with its tiered cash rebate structure. Credited to you every month, Cash MegaBonus pays you back for every Ringgit spent on all Petron transactions.

For example, when you spend RM800 and above on fuel and non-fuel purchases combined, you are entitled for 5% Cash MegaBonus. That is easily RM40 while the capping on this cash rebate is RM50 per month. But remember, only retail purchases at Petron are qualified for Cash MegaBonus.

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!

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