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.

Public Bank Visa PlatinumFree Travel Insurance
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

Lazada E-Voucher and many more exciting choices!

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 categoryCashback rateMonthly capSpend
on retail purchases locally and overseas0.2%uncappedfrom 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 CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM400
Missed FlightUp to RM400
Lost LuggageUp to RM1,000
Delayed LuggageUp 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 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
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.

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