Public Bank Visa Platinum

Giving you 0.2% unlimited Cash MegaBonus on retail spending, annual fee waiver, free travel insurance and more - a truly platinum lifestyle.

Public Bank Visa PlatinumUnlimited retail cashback and travel benefits
Min. Income
Annual Fee
up to 0.2%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a Complimentary
RM200 Lazada e-voucher or Morgan 12L Food Steamer
worth RM200
when you apply through RinggitPlus
Terms and conditions apply

RM200  Lazada e-voucher or  Morgan 12L Food Steamer

Our Previous Winners


Unlimited 0.2% Cash MegaBonus is yours for every Ringgit spent on retail purchases locally and overseas. Getting cashback every month is easy as there is no limit to the credit card usage! Until 30 September 2021, get 30% cashback when you spend minimum RM100 on contactless transactions (Visa PayWave). Kindly SMS to participate "PBPW<space>16-digit Principal PB Visa Credit Card number to 66300". Transactions such as auto-debits, utilities, insurance premiums, government and charity-related payments are not included for this cashback. Terms and conditions apply.

Cashback categoryCashback rateMonthly capSpend
on retail purchases locally and overseas0.2%uncappedfrom RM1 and above monthly


Travel with peace of mind when full travel fares charged to Public Bank Visa Platinum as you can automatically be covered with a travel insurance up to RM500,000. Coverage will include claim for inconveniences caused by luggage delay, luggage loss, flight delay etc.

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM400
Missed FlightUp to RM400
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM400


Get covered up to USD200 with e-Commerce Purchase Protection programme when you make online purchases, subject to terms and conditions. Plus, get 50% off on Will and Wasiat writing service fee.

Balance Transfer

Take advantage of savings and flexibility when you transfer your outstanding credit card debts to Public Bank credit card to benefit from a low one-time upfront interest.

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

Enjoy a low upfront interest rate starting from 1.5% p.a. with flexible repayment terms of your choice with Public Bank credit card installment plans.

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
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

Fees & Charges

Annual Fee
  • RM333 primary card

    Free for first year

    Waived when you swipe 12 times for subsequent years

  • RM150 supplementary card
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 Annual Income
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


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.
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.
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.


Elevate your credit card game in sync with your income status with Public Bank Visa Platinum - a card that speaks your needs with benefits, privileges and uniqueness of its own.

Unlimited Cash MegaBonus with Public Bank Visa Platinum

Cash MegaBonus or cashback is one of many lifehacks at savings on your credit card expenses. 

To earn Cash MegaBonus, you only need to swipe your Public Bank Visa Platinum on retail purchases, with RM1 spent is equal to 0.2% Cash MegaBonus, credited every month into your credit card account.

While 0.2% may look less profitable, but imagine the compounding effect of it on every Ringgit you have swiped? 

What's more, there's no capping on the cashback amount you will get back. But remember, only retail transaction is qualified for this cashback.

Free Travel Insurance

Suitable for those whose line of works entail business traveling and anyone who is fond of traveling, Public Bank Visa Platinum credit card is equipped with a complimentary travel insurance plan that includes a claim for inconveniences such as flight delayed, luggage lost/delayed etc.

To qualify for this free travel insurance coverage of up to RM500,000, all you need to do is make a full travel arrangement such as purchasing flight tickets with your Visa Platinum credit card. 

Voila! Never have to worry again.

Public Bank Line of Credits

0% Balance Transfer

Recover your sleepless nights and hair falls for worrying over credit card debts with Public Bank Balance Transfer plan, easing your financial distress by offering a zero interest rate and a low one-time upfront charges starting from 1.5% with repayment terms extended up to 48 months.

You can consolidate up to 4 credit cards and transfer to your Public Bank credit card, subject to 80% of the total available credit limit. 

The minimum transfer amount should be RM1,000, with repayment terms ranging from 6, 12, 24, 36 and 48 months.

0% Instalment Plans

Like what you see but can't afford the purchase? With Public Bank’s Zero Interest Installment Plan (ZIIP), you have the privileges to swipe on the goods or services first then repay at a later date, i.e. one month after the successful EPP conversion.

First thing first, check if your merchants are ZIIP-approved, or else you can opt for Public Bank Flexipay Plan, which is also a flexible credit card installment plan for purchases made at non-participating merchants at a small fee.

But if you're hurry, you can enjoy a 0% p.a. interest on your EPP conversion amount - always check out on Public Bank credit card promotions!

Cash Advance

Are you strapping for cash? Make your way to Public Bank branches or any ATMs nearby to withdraw some cash from your Visa Platinum credit card at a small fee.

Public Bank Visa Platinum Annual Fee Waiver

It is worth noting that Public Bank Visa Platinum credit card is issued for free of charge in the first year. 

This should encourage you to spend more and reap the benefits and privileges of being Public Bank credit card holders.

Plus, you can maintain not paying the annual fees for the subsequent years when you make a minimum of 12 swipes in a year.