Public Bank Visa Signature credit card

Public Bank Visa Signature

Enjoy 6% cashback and earn VIP Points on your retail spending, plus complimentary access to airport lounges, and free travel insurance - No annual fee!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 6% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM411.28 annual fee
  • Earn up to 1x reward point 

Live Free & Drive Easy with Your New Public Bank Credit Card

Complimentary RM200 Touch 'n Go Card upon RM250 spent

Exclusively for Maxis users

Free Nescafe Dolce Gusto Coffee Maker with your new Public Bank Credit Card!

Apply online now for Public Bank Visa Signature

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Because you should be rewarded for giving the bank your business

Enjoy 6% cash rebates whenever you spend on groceries, dining, and online spending locally or abroad. Your cashback will be capped at RM50 per month.
Discover how much you can save when you shop with your new Public Bank Visa Signature
Cashback CategoryCashback RateMonthly CapSpend
Groceries, Dining and Online PurchasesSpendany amount monthly6%RM50any amount monthly
Earn 1 VIP Point with every Ringgit spent on retail transactions locally and abroad. Transactions on grocery, dining, online, casino and government agencies are not included.
Public Bank Preferred Redemption Rewards
1 point on every RM1on local and overseas retail
Balance Transfer
Take advantage of savings and flexibility when you transfer your outstanding credit card debts to Public Bank credit card to benefit from low one-time upfront interest starting from 0%.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.5% one-time upfront handling feefrom RM500 
6 months0% p.a. and 0% one-time upfront handling feefrom RM2000 
12 months0% p.a. and 3% 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)
Public Bank Flexipay Plan offers payments terms of up to 24 months on your retail purchases of over RM500 as low as 0%.
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feefrom RM500 
9 months0% one-time upfront handling feefrom RM2000 
12 months3% 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
You will have 3x complimentary access to Plaza Premium Lounge Malaysia, applicable for both principal and supplementary cardholder. Also, be protected with free travel insurance of up to RM1.5 million when you charge all your travel arrangements to your Public Bank credit card.
Travel CoverageSum Insured
Travel InsuranceUp to RM1500000
24-Hour Signature Help Desk - call 03-2176 8118 for specialised customer service for all Visa Signature cardholders, available all hours for all 365 days in the year

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

All fees & charges are inclusive of 6% GST if applicable


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 Signature review

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

Announce your arrival into a world full of benefits and privileges with the Public Bank Visa Signature. This is an excellent all-rounder credit card, with great value on cash rebates, reward points, and travel conveniences. Plus, all your purchases are made effortless with the Visa PayWave feature - just wave your card at the contactless reader during checkout.

50% Off on Green Fees

You love golfing? Well you are going to love perfecting your swing with a 50% discount round of golf at participating premier clubs in Malaysia. That's not all, you can also get another 10% off for guest(s) - why play alone if you can save more with a company or two?

Tee-off with your buddy or business partner(s) at the country's renowned golf clubs namely Tropicana Golf & Country Club, Glenmarie Golf & Country Club, Kota Permai Gold & Country Club and The Els Club Teluk Datai, Langkawi.

A word of caution, though. You need to make a reservation at least 3 business days prior to your course as walk-in and direct reservation will not be entertained. This promotion runs until 31st December 2017, subject to Terms and Conditions,

6% Cashback

Everyone loves a great cashback credit card, and we at Ringgitplus are no different. For all your spending at the buying groceries at the supermarket, dining out at your favourite restaurant, or online purchases made locally and overseas, you will get 6% cashback on your purchases. 

Unfortunately, the amount you stand to receive per month is capped at RM50. In our opinion, it's still great value - you can keep the extra cash in a savings account, fixed deposit, or pay for the week's fill of petrol. Like the saying goes, "A little goes a long way!".

VIP Reward Points

For other spending not covered above, including any transactions made at the casino, cash advances, balance transfer, transactions at UTAR, government-related payments, charitable contributions, and lastly payments made to the bank, either using the ATM or Public Bank Online Banking, you will be able to earn 1 VIP Point on every RM1 you spend.

What can you exchange these points for? As with most rewards programmes, you will be able to redeem a plethora of prizes from the Preferred Redemption Rewards Catalogue, from Air Miles to gift vouchers, they're all up for grabs!

Free Travel Insurance and Lounge Access

Why wait uncomfortably for your flight curled up on the cold and hard benches at the departure hall when you can simply walk into the Plaza Premium Lounge in any airports in Malaysia? Yes, you will have 3x complimentary access to these airport lounges in a year and enjoy high speed internet connection, excellent food and beverage, and shower amenities. Supplementary cardholders are also eligible.

Otherwise, you will be charged a flat rate of RM84.80, inclusive of 6% GST

Your Credit Limit

The credit limit for the Public Bank Visa Signature will depend on a credit assessment by the bank. It is possible to have a Combined Credit Line if both principal and supplementary cardholders have two or more active cards with Public Bank. Alternatively, you can request for the supplementary card to have it's own credit line, from a minimum of RM1000. 

Here's something for the shopaholics among us - if you think you can easily get a Credit Line extension, think again! It really depends on your past payment records, so always make it a point to make payments on your outstanding balance on time. You might want to think about signing up for the Public Bank Balance Transfer.

0% Balance Transfer

With the Public Bank Balance Transfer, you can consolidate all your credit card debts to your brand new Visa Signature card without paying any processing fees - zip, nada, ziltch,  You can transfer your balances form other banks' credit cards for as low as 0% and pay over a maximum period of 24 months. 

You will need to have at least RM1000 in outstanding balances to be able to start transferring. To enjoy the 6 months payment period at 0%, you will have to transfer an amount of RM6000 and above.

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