Public Bank Visa Platinum
Giving you 0.2% Cash MegaBonus on retail spending, annual fee waiver, free travel insurance and contactless payment at the checkout - a truly platinum lifestyle.

Product summary
- Min. Income
- RM4,166.67/month
- Annual Fee
- Free*
- Cashback
- up to 0.2%
- Balance Transfer
- From 0% p.a.
- Easy Payment Plan
- From 0% p.a.
- Interest Rate
- 15% p.a.
- Interest-free
- 20 days
Get a Complimentary
Lazada E-Voucher and many more exciting choices!
worth RM230
when you apply through RinggitPlus3

Cashback
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!
Cashback category | Cashback rate | Monthly cap | Spend |
---|---|---|---|
on retail purchases locally and overseas | 0.2% | uncapped | from RM1 and above monthly |
Travel
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 Coverage | Sum Insured |
---|---|
Travel Insurance | Up to RM500,000 |
Delayed Flight | Up to RM400 |
Missed Flight | Up to RM400 |
Lost Luggage | Up to RM1,000 |
Delayed Luggage | Up to RM400 |
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 Over | With Interest Rate At | When You Transfer |
---|---|---|
6 months | 0% p.a. and 1.5% one-time upfront handling fee | from RM1,000 |
12 months | 0% p.a. and 3% one-time upfront handling fee | from RM2,000 |
24 months | 0% p.a. and 5.5% one-time upfront handling fee | from RM3,000 |
36 months | 0% p.a. and 7% one-time upfront handling fee | from RM6,000 |
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.
Pay Over | With Interest Rate At | When You Spend |
---|---|---|
6 months | 1.5% one-time upfront handling fee | RM1,000 |
9 months | 2% one-time upfront handling fee | RM2,000 |
12 months | 3% one-time upfront handling fee | RM1,000 |
24 months | 5.5% one-time upfront handling fee | RM2,000 |
36 months | 7% one-time upfront handling fee | RM3,000 |
48 months | 9.5% one-time upfront handling fee | RM5,000 |
Pay Over | With Interest Rate At | When You Spend |
---|---|---|
3 months | 0% p.a. and no one-time upfront handling fee | RM500 |
6 months | 0% p.a. and no one-time upfront handling fee | RM500 |
9 months | 0% p.a. and no one-time upfront handling fee | RM500 |
12 months | 0% p.a. and no one-time upfront handling fee | RM500 |
18 months | 0% p.a. and no one-time upfront handling fee | RM500 |
24 months | 0% p.a. and no one-time upfront handling fee | RM500 |
30 months | 0% p.a. and no one-time upfront handling fee | RM500 |
36 months | 0% p.a. and no one-time upfront handling fee | RM500 |
Fees & Charges
- Annual Fee
- RM333 primary card
Free for first year
Waived when you swipe 12 times for subsequent years
- RM150 supplementary card
- RM333 primary 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
- 18%
- Contact-less Payment Methods
- Visa payWave
Requirements
- Minimum Annual Income
- RM50,000
- Minimum Age
- 21 years old years old primary card
- 18 years old supplementary card
- Who can apply
- Anybody
Features
- 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.