Overview of Public Bank Credit Cards In Malaysia
As one of the oldest credit card issuers in Malaysia, Public Bank remains a popular choice. Malaysians love the fact that Public Bank’s extensive range of credit card offerings provides value for users. From cashback, premium lifestyle offerings, and travel-ready cards, you can’t go wrong with the Public Bank credit cards.
What are the Features and Benefits of Public Bank Credit Card?
1. Earn Cashback For Everyday Spending
A good cashback credit card is determined by how rewarding its cashback policies are, and in that regard, Public Bank’s cashback credit cards such as the Quantum Mastercard and Visa Signature stand out. Earn cashback on dining, online, department store, and even entertainment purchases!
2. Public Bank VIP Points And Air Miles Points
What other benefit is there besides cashback? Public Bank cards let you earn VIP Points for every Ringgit spent. The Public Bank Visa Signature not only offer cashback, but you also earn VIP points AND lounge access! How’s that for an all-rounder card?
For the elite, the Public Bank World Mastercard lets you earn Air Miles Points that can be converted into – you guessed it – your favourite airline’s rewards program. Accelerate your miles accumulation by spending your card overseas, and fly for free in no time.
3. Public Bank Comprehensive Insurance Coverage
Managing an emergency while abroad is a daunting task. With that in mind, PBB credit cards cover you and your supplementary card members with complimentary travel insurance when you purchase your full travel arrangement with your Public Bank cards.
Enjoy coverage of up to RM500,000 for travel inconveniences, including luggage delay, luggage loss, flight delay, missed connecting flight, trip cancellations, and repatriation expenses.
4. Public Bank Balance Transfer via Instalment Plan
It's always a good idea to keep the outstanding balance of your credit card at the lowest interest rate where possible.
Enjoy low and flat interest rates when you consolidate your outstanding balances from other credit cards to your Public Bank card with Public Bank balance transfer. Choose from 6 to 36-month tenures with 0% interest rates and small one-time upfront fees.
What are the interest rates for Public Bank credit cards?
Like most banks in Malaysia, Public Bank adopts a tiered interest rate in a range of 15% - 18% per annum as recommended by Bank Negara Malaysia. Credit card interest rates will commonly be higher if you have a history of inconsistent repayments, and vice versa, lower interest rates if you are prompt in repayments.
What are the minimum monthly repayments for Public Bank credit cards?
Public Bank credit card holders are required to make minimum monthly repayments of 5% of the current balance or a minimum of RM50, whichever is higher. Monthly repayments will have to be made within the stipulated due date.
Failure to do so may result to late payment charge of a minimum of RM10 or 1% of total outstanding balance (excluding interests and fees), whichever is higher and up to a maximum of RM100.
How much does it cost to get a replacement Public Bank credit card?
If your card gets lost, stolen or damaged, you can get a replacement credit card for RM50 per card within 5-7 working days from the date of issuance.
Mastercard e-Commerce Purchase Protection & Mastercard Wallet Guard
Enjoy complimentary protection for your Mastercard World credit card. Receive USD200 coverage for all your online purchases worldwide against incomplete deliveries, the wrong item delivered, non-delivery of items, and physical damage to delivered items – all when you pay with your Public Bank World Mastercard.
On top of that, have peace of mind against the threat of snatch thieves with Mastercard Wallet Guard. Applicable for the Public Bank World Mastercard, Wallet Guard provides worldwide coverage and reimbursement of up to USD200 for costs associated with replacing a wallet (and items inside it), in the event your wallet is stolen.
Am I eligible to apply for Public Bank credit cards?
To apply for a Public Bank card, the principal cardholder will have to be at least 21 years old, while the supplementary cardholder is to be at least 18 years old. Minimum annual income differs from card to card.
What are the documents required to apply for a Public Bank credit card?
You can compare and apply for Public Bank card online on Ringgitplus. To speed up your credit card application, it’s best to prepare the documents required for credit card application.
If you are a Salaried Employee, please provide:
- Photocopy of MyKad / NRIC (both sides)
- Latest EPF statement or latest 2 months salary slip*
- And any of the following documents where required:
- Latest BE form with a tax receipt
- 3 months bank statements
- Latest EA form
If you are Self-Employed, please provide:
- Photocopy of MyKad / NRIC (both sides)
- Photocopy of Business Registration form
- 6 months bank statements OR latest Form B with a tax receipt
If you are a Salaried Expatriate, please provide
- Copy of Passport
- Latest 2 months salary slip*
- Work permit valid for at least 6 months at the time of application
- Letter of employment
*Number of months of salary slip required will depend on the nature of your work. Have your commission slips with you if available.
How do I apply for a Public Bank credit card?
Credit card application can be made online on Ringgitplus.com! All you have to do is to compare all the Public Bank credit cards and apply now. Be sure to also check out the latest credit card promotion.
List of the Best Public Bank Credit Cards in Malaysia:
Public Bank Visa Signature
An all-rounded credit card that with cashback, VIP Points, and airport lounge access – what more do you need? Enjoy 6% cashback on groceries, online, and dining, with zero minimum spend. Travel in comfort with 2x complimentary Plaza Premium Lounge access – and safe in the knowledge that you are also covered with up to RM500,000 travel insurance. Finally, earn 1 VIP Point for every RM1 spent. Did we mention that this card’s annual fee is waived when you use it 12 times a year?
Public Bank Quantum Mastercard & Quantum Visa
Some say good things come in pairs, and with the Public Bank Quantum cards, that cannot be truer: these are the best Public Bank cash back credit card. Enjoy cashback on four categories, capped at RM30 per card – with zero minimum spend! This free-for-life Public Bank cashback credit card also has a low minimum income requirement, and has one feature exclusive among all Public Bank cards: exclusive 0% Flexipay plan for 12 months with the minimum retail purchase of RM1,200.
Public Bank World Mastercard
Taste the sweet life with the Public Bank World Mastercard. This Public Bank travel credit card offers 3x complimentary Plaza Premium Lounge access, and lets you travel with peace of mind with up to RM500,000 complimentary travel insurance when you pay for your trips with this card, and Wallet Guard. Earn 3x Air Miles Points for every RM1 spent overseas, and take full advantage of the perks offered by this free-for-life premium card.
Public Bank Visa Infinite
Another premium credit card with zero annual fees, the Public Bank Visa Infinite is yet another solid offering. Enjoy unlimited 0.3% Cash MegaBonus on all retail spend locally and overseas, complimentary travel insurance of up to RM500,000 coverage, and 3x complimentary Plaza Premium Lounge access. Plus, every RM10,000 spent with the Visa Infinite rewards you with 7,000 Air Miles Points!