Public Bank Visa Signature

Enjoy significant perks: 6% cash rebate, 1 VIP Point, free 2x airport lounge access, free travel insurance and annual fee waiver with every swipe of Visa Signature.

Public Bank Visa SignatureCashback and Rewards
Min. Income
RM6,666.67/month
Annual Fee
Free*
Cashback
up to 6%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREERM180 Lazada e-voucherwhen you apply through RinggitPlus3

RM180 Lazada e-voucher

Cashback

Enjoy 6% cash rebates whenever you spend on groceries, dining, and online spending locally or abroad. Your cash rebate will be capped at RM38 per month.

Cashback categoryCashback rateMonthly capSpend
Groceries, Dining and Online Purchases6%RM38any amount monthly

Rewards

Earn 1 VIP Point for every Ringgit spent on qualified retail transactions locally and abroad. VIP Points are redeemable for Air Miles, voucher, other goods and services from Public Bank Preferred Redemption Rewards Catalogue.

VIP Points
EarnSpend
1 point on every RM1on all retail spends (excluding Dining, Groceries, Online Purchases, Casino, Cash Advance, Balance Transfer, UTAR, TARC, Government and Charity Transactions, and payments via PBe online banking & ATM)

Travel

2x complimentary access to Plaza Premium Lounge in Malaysia. Also, a travel insurance worth RM500,000 is complimentary when you charge all your travel arrangements to your Public Bank Visa Signature credit card.

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

Open a current account with Public Bank without an introducer when you own a Public Bank credit card.

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 starting from 0%.

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 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 low and competitive interest rate starting from 0% p.a. with flexible repayment terms of your choice with Public Bank credit card instalment plans.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months1% 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
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
  • RM388 primary card

    Free for first year,you swipe 12 times for subsequent years

  • RM200 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval 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
RM80,000
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 instalment rate as low as 1% 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% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.

Review

An all-rounder credit card catered for mass affluent segment jampacked with more values for money: 6% cash rebate, unlimited reward points, travel protection and miscellaneous banking benefits.

6% Cashback

One of many ways to earn back the money you have spent is by way of cash rebate. With Public Bank Visa Signature credit card, you can get your cash back up to RM38 every month when you swipe on Dining, Grocery and Online Transaction.

What's the condition? Just a bare minimum: swipe a minimum of RM1 with your Visa Signature on these three categories, the 6% cash back is yours. Spending outside of the Dining, Grocery and Online Transaction category will not earn you cashback, but VIP Points.

VIP Points

Public Bank Visa Signature credit card just showed you the savings perk of this wonderful credit card when you spend on essential categories such as Dining, Grocery and Online Transaction. For other spending, you will be entitled to earn VIP Points instead. 

With VIP Points, you can redeem a wide range of items including Air Miles, gift vouchers, e-Voucher (for spending at Public Bank e-Mall), and other goods and services from Preferred Redemption Rewards Catalogue. 

But a slight catch here, VIP Points are not credited for unqualified transactions such as EPP, casino, cash advances, charity donations, TARC and UTAR transactions, government-related payments, dining, groceries, online purchases, and payments via PBe online banking and ATM.

Travel Perks

Free Travel Insurance

Get a complimentary travel insurance coverage worth RM500,000, including compensation for travel inconveniences such as delayed flight or missed flight, and delayed luggage or lost luggage. Just charge your travel arrangement to Visa Signature credit card to qualify.

Complimentary Access to Airport Lounge

Enjoy 2x free access to Plaza Premium Lounge in Malaysia when you flash your Visa Signature credit card at selected airports. In the premium lounge, you get to indulge in the comfort of privacy and exclusivity while waiting for boarding call - what a way to begin a journey.

Line of Credits

0% Balance Transfer

Recover your sleepless nights and hair falls for worrying over credit card debts with Public Bank Balance Transfer plan, easing your financial distress by offering a low one-time upfront charges, low minimum transfer amount and flexible repayment terms.

0% Instalment Plans

Like what you see but can't afford the purchase? With Public Bank’s Zero Interest Installment Plan (ZIIP), you have the privileges to swipe on the goods or services first then repay at a later date, i.e. one month after the successful EPP conversion.

First thing first, check if your merchants are ZIIP-approved, or else you can opt for Public Bank Flexipay Plan, which is also a flexible credit card instalment plan for purchases made at non-participating merchants at a small fee.

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 Signature credit card at a small fee.

Annual Fee Waiver

It is worth noting that Public Bank Visa Signature credit card is issued for free of charge in the first year - one of the many benefits and privileges of becoming Public Bank credit card holders.

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