Public Bank Visa Commercial

Give yourself and your company a controlled line of credit for efficient cash flow management - only for registered public and private companies.

Public Bank Visa CommercialTravel & purchase protection
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
18% p.a.
25 days


Free Automatic Travel Insurance of up to RM1 Million when charging your travel arrangements to this credit card. Claim for inconvenience due to luggage delay, luggage loss, flight delay, missed connecting flight, trip cancellations and repatriation expenses.

Travel CoverageSum Insured
Travel InsuranceUp to RM1,000,000


The ability to control credit card usage by employees by imposing spending limits controls, including control on the number of transactions done anytime and anywhere.

Balance Transfer

Enjoy a low upfront interest starting from 1.5% interest for up to 48-month balance transfer. Minimum credit balance transfer is RM1,000.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.5% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 5.5% one-time upfront handling feefrom RM3,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM6,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

Shop now, pay later! With the Public Bank Zero Interest Installment Plan, spread your payments for up to 36 months, subject to the selected merchant's offer. All the other purchases are eligible to enroll to Public Bank Flexipay Plan for installment up to 48 months.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feeRM1,000
9 months2% one-time upfront handling feeRM2,000
12 months3% one-time upfront handling feeRM1,000
24 months5.5% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
48 months9.5% one-time upfront handling feeRM5,000
Learn more about Public Bank Flexipay Plan

Fees & Charges

Annual Fee
  • RM150 primary card

    First year free

Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Late Payment Fee
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
Who can apply
  • Any Business


Easy Payment Plan
Public Bank Flexipay Plan
Tired of window shopping all the time? You can shop for anything at anywhere with installment rate as low as 1.5% with this Public Bank Flexipay Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying 1.5% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.


A corporate credit card that empowers employees to stock up on inventory directly from suppliers without the hassle of cumbersome payment processes.

Improve your business management with Public Bank Visa Commercial

Limit and regulate the spending of your workers -  with Public Bank Visa Commercial, you can control the employee's spending. 

By giving clear instructions to Public Bank you can oversee all spending and validate only work related expenses on the Public Bank Visa Commercial card. 

Worried about an employee shortchanging your business?

Stop wasting time keeping tabs of purchase orders, invoices and other antiquated processes from suppliers by consolidating all cost centers on one great credit card. 

That means less paperwork, and more time managing a successful business!

Full Travel Protection

Flying in clients calls for lots of preparation and anxiety, so why not fly your marketing team all the way to them! 

Not to worry, the Public Bank Visa Commercial has got you covered with Travel Insurance Protection for you and your employees for up to RM1 Million, encompassing accidents and inconvenience experienced during the course of your trip.

Purchase Protection Insurance

Fear your company credit card being misused by an employee? 

You'll be protected against losses that might be caused due to an employee's negligence, under the Corporate Liability Waiver Insurance program.

Public Bank Visa Commercial - Attractive Credit Terms

What's a credit term you ask? It's standard banks use to control your monthly and total credit limit, your repayment periods, and your penalty fees or discounts.

Public Bank will allow you 25 days on your credit terms. 

That means you can be given a longer time to settle your Public Bank Visa Commercial expenses before late penalty fees kick in!