Public Bank Visa Platinum

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

Public Bank Visa PlatinumUnlimited cashback & travel benefits
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
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worth RM229
when you apply through RinggitPlus *

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Our Previous Winners

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 credit card usage!

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Local and Overseas Retail Purchases0.2%uncappedfrom RM1 or above monthly

Travel

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

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

Premium

Get a 50% discount on Will and Wasiat's Writing Service fees. Do visit the nearest Public Bank branch for more details or you can call the Public Bank Trustee Services Berhad at 03-2177 3127 (General Line).

Balance Transfer

Take advantage of savings and flexibility when you transfer your outstanding credit card debts to a 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%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

Enjoy low-interest rates with flexible repayment terms of your choice with a Public Bank credit card instalment plan.

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
  • RM333 primary card

    Free for first year

    Waived when you swipe minimum 12 times over the preceding 12 months

  • 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
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM50,000
Minimum Age
  • 21 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 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.

Review

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 equal to 0.2% Cash MegaBonus, credited every month into your credit card account.

While 0.2% may look less profitable, 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 work entails business travelling and anyone who is fond of travelling, the Public Bank Visa Platinum credit card is equipped with a complimentary travel insurance plan that includes a claim for inconveniences such as flight delays, 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 the Public Bank Balance Transfer plan, easing your financial distress by offering a zero interest rate and low one-time upfront charges starting from 1.5% with repayment terms extended up to 48 months.

You can consolidate up to four credit cards and transfer them 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.

Flexible Instalment Plans

Like what you see but can't afford the purchase? Opt for the Public Bank Flexipay Plan, which is a flexible credit card instalment plan for purchases made at non-participating merchants at a small fee.

But if you hurry, you can enjoy a 0% p.a. interest on your EPP conversion amount - always check out 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 the Public Bank Visa Platinum credit card is issued free of charge in the first year. 

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

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

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