Public Bank Visa Business

Take charge of your business with Public Bank Visa Business. Provide your employees with a secure line of credit and concentrate on growing your business.

Public Bank Visa BusinessCashback & travel benefits
Annual Fee
up to 0.5%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Earn cashback on everything! 0.50% for all kinds of company spending.

All Spending0.5%uncappedany amount


Meet your clients where ever 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


Have full control of your company spending habits with the ability to set strict parameters and limits for your employees, when using this card.

Balance Transfer

Have an outstanding balance? Consolidate them with a balance transfer and enjoy low upfront interests over flexible tenures. The minimum amount for transfer is RM1,000.

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 to 0% with the Public Bank Zero Interest Instalment Plan. Stretch out your payments for up to 36 months with no interest, depending on the merchant. If it's not a participating merchant, no worries, take up the Public Bank Flexipay Plan!

Public Bank Zero Interest Installment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM500
9 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
30 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about Public Bank Zero Interest Installment 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

    Waived when you do 12 swipes per card per year

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
Contact-less Payment Methods
Visa payWave


Minimum Age
  • 21 years old primary card
Who can apply
  • Any SME


Easy Payment 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.
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.


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 Public Bank Visa Business

With 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.

If you don’t want your employees to exploit the privilege, you (attention finance people!) can ring-fence it by setting limits to their spending, whether daily, monthly or in a single purchase – show them who’s the boss now.

Free travel insurance

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.

With travel insurance with a maximum of RM1 Million per card member per annum, 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 as they can enjoy 0.50% cashback on all retail transactions.

What’s more, there is no limit to receiving cash rebates and no maximum capping as to how much they will be credited every month.

However, no cashback will be applied on cash advances and non-retail purchases.

Cash advance feature

This is among those vital features any credit card can offer: the facility to withdraw money from your Visa Business card – because sometimes the unexpected shows up uninvited.

You can dispense your money at any ATM to cover emergencies, subject to a withdrawal fee of 5%. Bear in mind that a standard finance charge of 18% p.a. is applicable on the unpaid balance until you pay it off.

Public Bank Visa Business reporting tools

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

Besides that, you can also 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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We’ll guide you through your application for this financial product