Public Islamic Bank Visa Gold Credit Card-i

Get attractive cashback, annual fee waiver and a variety line of credits with competitive rates for the rainy days - suitable for beginners.

Public Islamic Bank Visa Gold Credit Card-i2% cashback for online shopping
Min. Income
Annual Fee
up to 2%
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a Complimentary
RM200 Lazada e-voucher or Morgan 12L Food Steamer
worth RM200
when you apply through RinggitPlus
Terms and conditions apply

RM200  Lazada e-voucher or  Morgan 12L Food Steamer

Our Previous Winners


Earn 2% cashback on your online transactions, credited into your account every month, capped at RM30 monthly!

Cashback categoryCashback rateMonthly capSpend
Online transactions locally and overseas2%RM30from RM1 and above monthly


Every month, 0.1% of your dining spending will automatically be donated to the Yayasan Waqaf, capped at RM100 per monthly statement cycle.

Easy Payment Plans

Enjoy low management fee of 0% p.a. and convert your purchases from RM1,000 and above into a 6-month credit card instalment plan.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feeRM1,000
9 months2% one-time upfront handling feeRM2,000
12 months3% one-time upfront handling feeRM1,000
24 months5.5% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
48 months9.5% one-time upfront handling feeRM5,000
Learn more about Public Bank Flexipay Plan

Fees & Charges

Annual Fee
  • RM150 primary card

    Free for first year

    Waived when you swipe 12 times for subsequent years

  • RM100 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RM20 or 5% of withdrawn amount, whichever is higher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  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 at anywhere with installment rate as low as 1.5% with this Public Bank Flexipay Plan.


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.

Earn Cashback with Public Islamic Bank Visa Gold Credit Card-i

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

Technically speaking, it is called Hibah Performance Bonus to articulate its Shariah compliance nature. 

The mechanics are similar, which is 2% cashback equals to RM1 spend on your Visa Gold Credit Card-i.

While 2% may look less profitable, but imagine the compounding effect of it on every Ringgit you have swiped? 

The cashback that you get to earn is capped at RM30 per monthly statement cycle (combined between Principal and Supplementary accounts). But remember, only online transaction is qualified for this cashback.

Line of Credits

0% Flexipay Plan

Like what you see but can't afford the purchase? 

With Public Bank’s 0% Flexipay Plan, you have the privileges to swipe on purchases made at non-participating merchants with ZERO management fee and stretch it over the period of 6 months.

You only need to make sure that the stuffs you're about to purchase cost at least RM1,000 or above before being eligible to sign up for this instalment plan.

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.

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 the annual fees for the subsequent years when you make a minimum of 12 swipes in a year.

Public Islamic Bank Visa Gold Credit Card-i 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 Visa Gold Credit Card-i cardholder.