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 you charge your travel arrangements to this credit card. Claim for inconveniences 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 for up to a 48-month balance transfer plan. The minimum credit balance 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 now, pay later! With Public Bank Flexipay, spread your payments for up to 48 months with low one-time upfront fees, subject to the selected merchant's offer.

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

    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 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 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.


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 as you get to 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 on purchase orders, invoices and other antiquated processes from suppliers by consolidating all cost centres on one great credit card. 

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

Full travel protection

Flying to 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 inconveniences 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 with Public Bank Visa Commercial

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!

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