Public Islamic Bank Visa Gold Credit Card-i credit card

Also available as MasterCard

Public Islamic Bank Visa Gold Credit Card-i

Unlimited Cash MegaBonus, annual fee waiver and a variety line of credits with competitive rates for the rainy days - suitable for beginners.

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • up to 0.1% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM150.00 annual fee

Live Free & Drive Easy with Your New Public Bank Credit Card

Complimentary RM200 Giant Voucher upon RM250 spent


RinggitPlus will help you all the way! No wait for call, no paper form to fill in, just a simple chat.

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Earn 0.1% unlimited Cash MegaBonus on both local and overseas retail purchases, credited into your account every month.
Discover how much you can save when you shop with your new Public Islamic Bank Visa Gold Credit Card-i
Cashback CategoryCashback RateMonthly CapSpend
on retail purchases locally and overseasSpendfrom RM1 and above monthly0.1%uncappedfrom RM1 and above monthly
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
Premium
Open a current account at any Public Bank branches without an introducer!

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM150.00
  • Free for first year
  • Waived when you swipe 12 times for subsequent years
Annual Fee for Supplementary Card
RM100.00
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
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
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 Islamic Bank Visa Gold Credit Card-i review

What's so good (or not so good) about it?

A basic-to-intermediate cashback credit card for everyone. Experience hassle-free payment via PIN & PAY or Visa payWave methods, monthly cash rebate, convenient of online banking at PBe Service and annual fee waiver.

Unlimited Cash MegaBonus

Public Islamic Bank Visa Gold Credit Card-i is a cashback credit card that rewards cash rebate to you whenever you swipe on retail transactions, over here or overseas.

Technically speaking, it is called Hibah Performance Bonus to articulate its Shariah compliance nature. The mechanics is similar, which is 0.1% Cash MegaBonus equals to RM1 spend on your Visa Gold Credit Card-i.

While 0.1% may look less profitable, but imagine the compounding effect of it on every Ringgit you have swiped? What's more, there's no capping on the cashback amount you will get back. But remember, only retail transaction is qualified for this cashback.

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 Gold Credit Card-i at a small fee.

Banking Benefits

Owning a Public Bank credit card opens the door for you to enjoy the many financial benefits this bank has to offer, ranging from banking services to wealth management and insurance products. 

To ease your money management, there are many ways to go about it such as ATM machines, Public Bank branches, 24-hour helpdesk and internet banking facility via PBe Service. 

That's not all, if you want to open a current account at Public Bank branch, you don't need an introducer, just proudly tell the bank officer that you are a Public Bank credit card holder.

Annual Fee Waivers

You would be happy to learn that you don't need to pay for Public Islamic Bank Visa Gold Credit Card-i annual fee in the first year as it is waived by the bank for you.

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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