Public Bank Visa Signature credit card

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.

  • 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 AEON Voucher upon RM250 spent


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Benefits

Because you should be rewarded for giving the bank your business

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.
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%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
EarnSpent
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)
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 1.5% 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)
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.
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feefrom RM500 
6 months0% one-time upfront handling feefrom RM1500 
9 months2% 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
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM500 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
9 months0% p.a. and no one-time upfront handling feefrom RM500 
12 months0% p.a. and no one-time upfront handling feefrom RM500 
18 months0% p.a. and no one-time upfront handling feefrom RM500 
24 months0% p.a. and no one-time upfront handling feefrom RM500 
30 months0% p.a. and no one-time upfront handling feefrom RM500 
36 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Public Bank Zero Interest Installment Plan
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 RM500000
Premium
Open a current account with Public Bank without an introducer when you own a Public Bank credit card.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM411.28
  • Free for first year
  • Waived when you swipe 12 times for subsequent years
Annual Fee for Supplementary Card
RM212.00
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
18%
Contact-less Payment Methods
Visa payWave

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

Requirements

Are you eligible for this credit card?

Minimum annual income
RM80000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

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

Easy Payment Plan
Public Bank Flexipay Plan
Public Bank Zero Interest Installment 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?

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.

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