Public Bank Visa Business

Earn up to 0.8% unlimited cashback on selected spending! Take charge of your business today and provide your employees with a secure line of credit.

Public Bank Visa BusinessCashback & travel benefits
Annual Fee
Free*
Cashback
up to 0.8%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Cashback

This globally-recognised business credit card rewards you with unlimited cashback! Earn 0.8% cash rebate on all your overseas spending, and 0.3% cashback on local spending.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
All Overseas Spending0.8%uncappedany amount
All Local Spending0.3%uncappedany amount

Travel

Meet your clients wherever they are and have peace of mind as you get covered with up to RM1,000,000 in complimentary Travel Insurance from Public Bank when you charge all your travel arrangements to this card. Travel inconveniences are also included in the coverage such as flight delays, luggage delay/loss, missed connecting flights, trip cancellations and repatriation expenses.

Travel CoverageSum Insured
Travel InsuranceUp to RM1,000,000

Premium

Have your name and company name embossed on the card face! What's more, enjoy the flexibility of credit terms for up to 50 days, and streamline your procurement process to ensure efficient order generation and tracking, including exclusive merchant offers through Public Bank's Business Services Platform!

Balance Transfer

Have an outstanding balance? Consolidate them with a balance transfer and enjoy low interest over flexible repayment tenures.

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 2.5%one-time upfront handling feefrom RM1,000
24 months0% p.a. and 4.5%one-time upfront handling feefrom RM1,000
36 months0% p.a. and 6.5%one-time upfront handling feefrom RM1,000
48 months0% p.a. and 9.5%one-time upfront handling feefrom RM1,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

Shop smart and lower your interest cost with the Public Bank Flexipay Plan!

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months2% one-time upfront handling feeRM1,000
24 months4% one-time upfront handling feeRM1,000
36 months6% one-time upfront handling feeRM1,000
48 months8% one-time upfront handling feeRM1,000
Learn more about Public Bank Flexipay Plan

Fees & Charges

Annual Fee
  • RM150 primary card

    Free for first year and waived when you make a minimum of 12 transactions per year, per card, in the subsequent years

  • RM0 supplementary 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 Age
  • 21 years old primary card
Who can apply
  • Open to Private Limited and Listed companies only, with minimum 2 years in business operation and Paid-up Capital of RM100,000

Features

Easy Payment Plan
Public Bank Flexipay Plan
Tired of window shopping all the time? You can shop for anything anywhere with an instalment rate as low as 2% with this Public Bank Flexipay 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.

Review

Whether to make quick buying decisions with the suppliers or throw monthly birthday parties for employees’ get-togethers, Public Bank Visa Business understands and supports your business needs.

Privilege for your business

With a Public Bank Visa Business credit card, you can evolve the way you manage your company finances and spare your CFO the favour of approving every spending proposal.

Just issue one card for all company purposes, or to each eligible employee as a reward. 

You can have your company or employee’s name embossed on the card to enhance corporate identity!

What's more, enjoy the flexibility of credit terms for up to 50 days, and streamline your procurement process to ensure efficient order generation and tracking, including exclusive merchant offers through Public Bank's Business Services Platform.

Complimentary travel insurance coverage

Public Bank understands that running a business involves a lot of risks, therefore it is important to have a backup plan that a company can remunerate for losses.

Comes equipped with complimentary travel insurance coverage worth up to RM1 million annually, your company not only be saving on additional insurance expenses but also get protected from any untoward incidences.

Unlimited cashback with Public Bank Visa Business

Let your employees splurge on shopping, as part of company incentives, with their Public Bank Visa Business credit card as they can enjoy a 0.8% and 0.3% unlimited cashback on overseas and local retail spending, respectively!

There is no limit to receiving cash rebates and no maximum capping as to how much they will be credited every month. However, note that no cashback will be applied on cash advances and non-retail purchases.

Public Bank Visa Business reporting tools

You can perform a financial health check and track employees’ real-time credit card transactions by logging into PBe.

Furthermore, pay company bills, order and purchase office supplies or transfer money to suppliers via Public Bank’s online banking platform. It is so convenient and easy to use!

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