Public Bank Visa Business credit card

Public Bank Visa Business

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

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 0.5% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM159.00 annual fee

Apply online now for Public Bank Visa Business

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Earn Cashback on everything! 0.50% for all kinds of company spending.
Discover how much you can save when you shop with your new Public Bank Visa Business
Cashback CategoryCashback RateMonthly CapSpend
All SpendingSpendany amount0.5%uncappedany amount
Balance Transfer
Have outstanding balance? Consolidate them with a balance transfer and enjoy 0% interest for a 6-month tenure. The minimum amount for transfer is RM5000.
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 RM6000 
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)
Shop smart and lower your interest cost to 0% with the Public Bank Zero Interest Installment Plan. Stretch out your payments up to 36 months with no interest, depending on the merchant. If its not a participating merchant, no worries, take up the Public Bank Flexipay Plan!
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
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM500 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
9 months0% p.a. and no one-time upfront handling feefrom RM500 
12 months0% p.a. and no one-time upfront handling feefrom RM500 
18 months0% p.a. and no one-time upfront handling feefrom RM500 
24 months0% p.a. and no one-time upfront handling feefrom RM500 
30 months0% p.a. and no one-time upfront handling feefrom RM500 
36 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Public Bank Zero Interest Installment Plan
Travel
Meet your clients where ever they are and have peace of mind with up to RM1000000 in complimentary Travel Insurance from Public Bank.
Travel CoverageSum Insured
Travel InsuranceUp to RM1000000
Premium
Have full control of your company spending habits with the ability to set strict parameters and limit for your employees, when using this card.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM159.00
  • Free for first year
  • Waived when waived with 12 swipes per year
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 age for primary card holder
21 years old
Who can Apply
Any Business

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
Public Bank Flexipay Plan
Public Bank Zero Interest Installment 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 Visa Business review

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

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

Privilege for your business

With this Visa Business credit card, you can evolve the way you manage your company finances and spare your CFO a favor 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 ringfence it by setting limit to their spending, whether daily, monthly or in a single purchase – show them who’s the boss now.

FREE insurances

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 two complimentary insurance coverages: corporate liability waiver of up to RM1,650,000 and travel insurance with a maximum of RM1,000,000 per cardmember per annum, your company not only be saving on additional insurance expenses, but also get protected from any untoward incidences.

Unlimited cashback

Let your employees to splurge on shopping, as part of company incentives, with their Public Bank Visa Business as they can enjoy 0.5% cashback on all retail transactions.

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

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

Cash advance

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 ATMs to cover for emergencies, subject to a withdrawal fee of 5.3%. Bear in mind that a standard finance charge of 18% p.a. is applicable on the unpaid balance until you pay it off.

Reporting tools

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

Besides that, you can also pay company’s 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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