Enjoy real cashback rebates and extra savings coming your way with the Visa Gold Credit Card-i. This Syariah compliant card comes with Visa payWave for quick and easy transactions over the counter. You’ll also get annual fee waivers and complimentary takaful travel coverage up RM500,000 for added security.
Earn Hibah rewards on all retail transactions. Get up to 0.2% cashback whenever you swipe your Visa Gold Credit Card-i both here in Malaysia and when you travel overseas.
However some retail purchases won’t earn cashback rewards for you:
- Cash Advance or withdrawal
- Balance Transfer
- Transactions at Tunku Abdul Rahman University or Tunku Abdul Rahman University College
- Government related payments
- ATM payments and via Public Bank online
Annual Fee Waivers
Don’t worry about the RM159 annual fees for your Public Islamic Bank Visa Gold Credit Card-i. There are no annual fees for your first year. For all subsequent years the annual fees will be waived if you swipe your card at least 12 times. That’s pretty easy to be done – just one swipe a month on average!
Free Takaful Coverage
Peace of mind when you charge your full travel fare to your Public Islamic Bank Visa Gold Credit Card. You'll get complimentary automatic takaful travel coverage of up to RM500,000 which includes benefits for travel inconveniences – luggage delays and loss, missed flight connections, delayed flights, trip cancellation and repatriation expenses.
Go ahead and skip this section if you’ve learnt and mastered the habits of prudent spending and paying your bills on time. If that’s not you, time to start paying attention. With your Visa Gold Credit Card-i there are 3 fees that you should take note of.
First, there's a fixed management charge (FMC) which is based on the utilised credit limit. This fee will be determined by Public Islamic Bank. The FMC also applies to another fee, the Actual Management Charge (AMC) or Ujrah. The AMC is basically the normal credit card tiered interest rate ranging from 15% to 18% p.a. The difference in the amount between FMC and AMC will be waived monthly.
If you do not perform any retail purchases Public Islamic Bank will impose management charges of Ibra, which is calculated based on the difference between the FMC and AMC.