Public Bank Visa Platinum credit card

Public Bank Visa Platinum

Enjoy unlimited cashback on retail purchases without any restrictions.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 0.3% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM352.98 annual fee

Get A RM200 Lazada e-Voucher With Your New Public Bank Credit Card!

Get A RM200 Lazada e-Voucher With Your New Public Bank Credit Card!

Apply online now for Public Bank Visa Platinum

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Because you should be rewarded for giving the bank your business

No caps on your monthly cashback. Get unlimited Cash MegaBonus of 0.3% on all local and overseas retail purchases.
Discover how much you can save when you shop with your new Public Bank Visa Platinum
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM1 and above monthly0.3%uncappedfrom RM1 and above monthly
Balance Transfer
Stop paying high interest on your outstanding balance with the Public Bank Balance Transfer at 0% interest for 6 months for a minimum transfer amount of RM6000.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1% one-time upfront handling feefrom RM500 
6 months0% p.a. and 0% one-time upfront handling feefrom RM6000 
12 months0% p.a. and 2.5% one-time upfront handling feefrom RM1000 
24 months0% p.a. and 5% one-time upfront handling feefrom RM3000 
36 months0% p.a. and 7% one-time upfront handling feefrom RM6000 
Learn more about Public Bank Balance Transfer
Easy Payment Plan (EPP)
Pay upfront interest as low as 0% for instalment of 9 months on your purchases.
Pay OverWith Interest Rate AtWhen You Spend
6 months1% one-time upfront handling feefrom RM500 
9 months0% one-time upfront handling feefrom RM2000 
12 months2% one-time upfront handling feefrom RM1000 
24 months5% one-time upfront handling feefrom RM2000 
36 months7% one-time upfront handling feefrom RM3000 
Learn more about Public Bank Flexipay Plan
Up to RM1,000,000 of free travel insurance. Your coverage will include inconvenience caused by luggage delay, luggage loss, flight delay and much more.
Travel CoverageSum Insured
Travel InsuranceUp to RM1000000

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when you swipe 12 times for subsequent years
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods

*inclusive of 6% GST


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
Public Bank Flexipay Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
Public Bank Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Public Bank Visa Platinum review

What's so good (or not so good) about it?

Stretch your rewards even further. This exclusive platinum card by Public Bank gives you both cash back and VIP rewards whenever you swipe! You’ll also get 0% interest on balance transfer and instalment plans, free travel insurance and annual fee waivers – that's extra savings to go with your platinum privileges!

More Cashback

It all starts with bigger cash back savings! Earn unlimited cash back on all retail purchases when you swipe with your Public Bank Visa Platinum, the more you spend the higher your cashback rates!

Your rebate limit is now 0.3% to give you even more cash back rebates both when you spend here and overseas. At the end of each month your total credit card spending will be calculated and the cashback will be credited back to your account.

0% Balance Transfer

Accumulated a little too much credit debt? Public Bank offers 0% interest with no upfront fee for 6 month tenures when you transfer RM6000 or more to your credit card. Transfers with a longer tenure or lower transfer amount will be charged an upfront fee of 1-5%.

0% Instalments

Shop at Public Bank approved merchants and you’ll get to sign up your purchase for the Zero Interest Installment Plan. Repay what you owe in 3 to 36 months in bite-sized repayments at 0% interest, for purchases at least RM500 in value. Purchases from non-participating merchants can be repaid with Public Bank Flexipay Plan. 

Free Travel Insurance

Get covered with platinum-valued protection! Charge your trip to your Public Bank Visa Platinum and get complimentary travel insurance of up to RM1,000,000. You’ll also get coverage benefits for lost luggage, luggage delays, missed connections, flight cancellations and delays, as well as repatriation expenses.

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