Overview of Public Bank Credit Cards In Malaysia
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 Public Bank credit cards.
Public Bank Credit Card Campaign FAQs:
For a limited time only, all approved applicants of eligible Public Bank credit card(s) will receive a guaranteed sign-up gift of a JBL WAVE100 TWS.
This campaign runs from 1 August 2022 to 31 December 2022, subject to the campaign's terms and conditions.
Who is qualified for this promotion?
This campaign is open to new customers applying as the Principal cardholder only. Existing principal cardholders and those who have cancelled their Public Bank credit card within 2 years from the date of the current application are not eligible.
Which credit card can I apply for?
You can apply for:
- Public Bank Visa Infinite
- Public Bank World Mastercard
- Public Bank Quantum Visa
- Public Bank Quantum Mastercard
- Public Bank Visa Platinum
- Public Bank Petron Visa Gold
- Public Bank Visa Signature
- Public Bank AIA Visa Gold
- Public Bank Platinum Mastercard
- Public Bank Gold Visa
- Public Bank Gold Mastercard
- Public Islamic Bank Visa Platinum Credit Card-i
- Public Islamic Bank Visa Gold Credit Card-i
- Public Islamic Bank Mastercard Platinum Credit Card-i
- Public Islamic Bank Mastercard Gold Credit Card-i
Where can I reach out to you for more information?
For any questions, please get in touch with us via email at [email protected]. We're happy to help!
Public Bank Credit Card Features and Benefits
1. Earn Cashback for Everyday Spending
A good cashback credit card is determined by how rewarding its cashback policies are.
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 grocery 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 a Public Bank balance transfer.
Choose from up to 48-month tenures with 0% interest rates and small one-time upfront fees.
Public Bank Credit Card Promotion
Another perk of owning a PBB credit card is helping you to save money while enjoying life to the fullest.
The Public Bank credit card promotion offers irresistible deals and discounts on online shopping, dining, dessert, health and beauty, gadget, travel and many more.
If this makes you excited, go to the bank's website to view the list of Public Bank credit card promotions.
Remember to 'bookmark' it on your laptop so you'll never miss a deal!
What are the interest rates for Public Bank credit cards?
Like most banks in Malaysia, Public Bank adopts a tiered interest rate in the 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, and lower interest rates if you are prompt in repayments.
What are the minimum monthly repayments for Public Bank credit cards?
Public Bank cardholders 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 in a late payment charge of a minimum of RM10 or 1% of the 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 card?
If your Public Bank 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
Enjoy complimentary protection for your Mastercard World credit card.
Receive USD200 coverage for all your online purchases worldwide against incomplete deliveries, the wrong items delivered, non-delivery of items, and physical damage to delivered items — all when you pay with your Public Bank World Mastercard.
Am I eligible to apply for Public Bank credit cards?
To apply for a Public Bank credit 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.
*Please note that the minimum income requirement for expats might be different.
How do I apply for a Public Bank credit card?
Apply for Public Bank credit cards from the comfort of your home — or anywhere, as the application can be made online on RinggitPlus!
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.
What are the documents for the Public Bank credit card application?
You can compare and apply for a Public Bank card online on RinggitPlus.
To speed up your credit card application, it’s best to prepare the general documents required for a credit card application. They are as follows:
|DOCUMENTS FOR PUBLIC BANK CREDIT CARD APPLICATION|
|Salaried Employee||Self-Employed||Salaried Expatriate|
✔ Photocopy of MyKad (both sides)
✔ Latest EPF statement or latest 2 months salary slip*, AND
✔ Latest BE form with a tax receipt, OR
✔ 3 months bank statements, OR
✔ Latest EA form
✔ Photocopy of MyKad (both sides)
✔ Photocopy of Business Registration form
✔ 6 months bank statements, OR
✔ Latest Form B with a tax receipt
✔ Copy of Passport
✔ The 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.
Best Public Bank Credit Cards in Malaysia 2022:
Public Bank Visa Signature
An all-rounded credit card with cashback, VIP Points, and airport lounge access — what more do you need? Enjoy 6% cashback on groceries, online, and dining, with zero minimum spending.
Travel in comfort with 2x complimentary Plaza Premium Lounge access in Malaysia — 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
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 cards.
Enjoy cashback when you shop online or make contactless transactions, capped at RM30 per card — with zero minimum spend!
This free-for-life Public Bank card also has a low minimum income requirement and has one feature exclusive among all PBB credit cards: an exclusive 0% Flexipay plan for 48 months with the minimum retail purchase of RM1,000.
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 in Malaysia, 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 on retail 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 0.3% cash rebate and 2% Cash MegaBonus on all retail spending locally and overseas complimentary travel insurance of up to RM500,000 coverage, and 3x complimentary Plaza Premium Lounge access in Malaysia.