Public Bank Visa Signature

Enjoy significant perks of 3% cashback, 10x Green Points on selected merchants, up to 3x VIP Points to collect, 2x access to selected airport lounges in Malaysia, free travel insurance and more with every swipe of Visa Signature.

Public Bank Visa Signature3% cashback and travel benefits
Min. Income
Annual Fee
up to 3%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a Complimentary
JBL GO 4 Ultra-Portable Bluetooth Speaker
worth RM299
when you apply through RinggitPlus *

JBL GO 4 Ultra-Portable Bluetooth Speaker

Our Previous Winners


Enjoy a 3% cash rebate whenever you spend a minimum of RM100 per transaction on Groceries, Dining, and Online spending. Your cash rebate will be capped at RM30 per monthly statement cycle and is combined between the Principal and Supplementary accounts.

Groceries, Dining and Online Purchases3%RM30from RM100 or above monthly


Get 10x Green Points for every RM1 you spend on selected Green Category transactions. Additionally, earn 3x VIP Points for every Ringgit spent on other overseas retail transactions and 1x VIP Points on other local retail transactions. Both the Green Points and VIP Points will expire in 3 years and are redeemable for air miles, vouchers, and other goods and services from the Public Bank Preferred Redemption Rewards Catalogue.

Green Points & VIP Points
10 points on every RM1on selected Green Category transactions
3 points on every RM1on other overseas retail transactions
1 point on every RM1on other local retail transactions (excluding Dining, Groceries, Online Purchases, Casino, Cash Advance, Balance Transfer, UTAR, TARC, Government and Charity Transactions, and payments via PBe online banking & ATM)


Enjoy 2x complimentary access to selected Plaza Premium Lounges in Malaysia. Plus, travel insurance worth up to RM500,000 is complimentary when you charge all your travel arrangements to your Public Bank Visa Signature credit card. Terms apply.

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


Enjoy 24-hour Visa Concierge for more curated services, amenities and exclusive Visa privileges. You also get to enjoy 50% off Will and Wasiat Writing Service by Public Bank. Give the Public Bank Trustee Services a call to find out more!

Balance Transfer

Take advantage of savings and flexibility when you transfer your outstanding credit card debts to a Public Bank credit card to benefit from 0% interest with a low one-time upfront handling fee.

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 2.5%one-time upfront handling feefrom RM1,000
24 months0% p.a. and 4.5%one-time upfront handling feefrom RM1,000
36 months0% p.a. and 6.5%one-time upfront handling feefrom RM1,000
48 months0% p.a. and 9.5%one-time upfront handling feefrom RM1,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

Enjoy 0% interest with low one-time upfront handling fees over flexible repayment tenures of your choice with a Public Bank credit card instalment plan, subject to participating merchants.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months2% one-time upfront handling feeRM1,000
24 months4% one-time upfront handling feeRM1,000
36 months6% one-time upfront handling feeRM1,000
48 months8% one-time upfront handling feeRM1,000
Learn more about Public Bank Flexipay Plan

Fees & Charges

Annual Fee
  • RM388 primary card

    Free for first year

    Waived when you swipe minimum 12 times over the preceding 12 months

  • RM200 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
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
Public Bank Flexipay Plan
Tired of window shopping all the time? You can shop for anything anywhere with an instalment rate as low as 2% with this Public Bank Flexipay Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying as low as 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.


An all-rounder credit card catered for the mass affluent segment jampacked with more value for money: 3% cashback, unlimited reward points, travel protection and miscellaneous banking benefits.

Accelerate your journey towards carbon neutrality!

Starting from 1 November 2023 until 30 April 2024 (“Contest Period”), sign up for the newly launched Public Bank Visa Signature credit card to bring home amazing prizes such as the Tesla Model 3 (Grand Prize), the Ebixon Bold EV (First Prize), and the Samsung Galaxy Z Fold 5 (Second Prize) including cashback rewards of up to RM500, subject to terms and conditions.

This contest is open to all new-to-bank and existing card members of the Public Bank Visa Signature credit card. As per the T&C, below are the campaign mechanics.

  • 100x Contest Entries on every newly approved Public Bank Visa Signature cardmember
  • 10x Contest Entries on every take-up of a Balance Transfer or Flexipay Plan
  • 10x Contest Entries on every RM100 spent via Google Wallet on in-store transactions charged in local and foreign currencies
  • 5x Contest Entries on every RM100 spent on retail and online transactions charged in local and foreign currencies

If you’re interested in joining this contest, you must perform a one-time registration via SMS or online registration via PBe during the Contest Period to participate.

  • SMS ‘PBUG <space> 16-digit Principal Card Number’ to 66300; or
  • Enter contest keyword ‘PBUG’ for PBe Online Banking

Should you have any queries about this Launch Contest, do not hesitate to contact Public Bank’s customer service representatives.

3% cashback on grocery, dining and online spending with Public Bank Visa Signature

One of many ways to earn back the money you have spent is by way of a cash rebate. 

With a Public Bank Visa Signature credit card, you can get your cashback up to RM30 every month when you swipe on Dining, Grocery and Online Transaction.

What's the condition? Just a bare minimum: swipe a minimum of RM100 with your Visa Signature on these three categories, and the 3% cashback is yours. 

Spending outside of the Dining, Grocery and Online Transaction categories will not earn you cashback, but VIP Points.

Redeemable Green Points and 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 transactions. For other overseas and local spending, you will be entitled to earn up to 3x VIP Points. 

Meanwhile, 10x Green Points are yours to collect for every RM1 you spend on selected Green Category transactions—see here for a list of merchants!

With both the Green Points and VIP Points, you can redeem a wide range of items including air miles, gift vouchers, e-vouchers (for spending at Public Bank e-Mall), and other goods and services from the Preferred Redemption Rewards Catalogue by Public Bank. 

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.

Enjoy travel perks with Public Bank Visa Signature

Free Travel Insurance

Get complimentary travel insurance coverage worth up to 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 a Visa Signature credit card to qualify.

Complimentary Access to Selected Plaza Premium Lounges

Enjoy 2x free access to selected Plaza Premium Lounges in Malaysia when you flash your Visa Signature credit card at selected airports. Find out more details and a list of participating lounges in the T&C here.

In the premium lounge, you get to indulge in the comfort of privacy and exclusivity while waiting for a boarding call—what a way to begin a journey.

Public Bank Visa Signature—Annual fee waiver

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

To maintain the waiver condition, just swipe 12 times your Visa Signature card in a year.

Reliable line of credits

0% Instalment Plans

Like what you see but can't afford the purchase? Opt for the Public Bank Flexipay Plan, which is a flexible credit card instalment plan for purchases made at 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.

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