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.

Manage Your Business

Public Bank Visa Commercial
Min. Income
RM8,333.33/month
Annual Fee
Free*
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
18% p.a.
Interest-free
25 days

Balance Transfer

Enjoy 0% interest for 6-month balance transfer. Minimum credit balance transfer is RM5000.

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 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 enrol to Public Bank Flexipay Plan for instalment up to 24 months.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months1% 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
Learn more about Public Bank Flexipay Plan

Features

Easy Payment Plan
Public Bank Flexipay Plan
Tired of window shopping all the time? You can shop for anything at anywhere with instalment rate as low as 1% with this Public Bank Flexipay Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.

Premium

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

Travel

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

Fees & Charges

Annual Fee
  • RM150 primary card

    First year free

Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Late Payment Fee
Interest Rate on Cash Withdrawals
18%

Requirements

Minimum Annual Income
RM100,000
Minimum Age
  • 21 years old  years old primary card
Who can apply
  • Any Business

Review

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

Improve business management

Limit and regulate the spending of your workers -  with this credit card you control employee 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. No need to worry 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.

Attractive Credit Terms

What's a credit term you ask? It's a 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 a 25 days on your credit terms. That means, you can be given a longer time to settle your credit card expenses before late penalty fees kick in!