Public Islamic Bank Visa Gold Credit Card-i credit card

Also available as MasterCard

Public Islamic Bank Visa Gold Credit Card-i

Unlimited cashback and high travel insurance coverage with Public Bank! Enjoy fast and convenient payments at the counter with Visa payWave.

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • up to 0.2% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM159.00 annual fee

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

Complimentary RM200 Touch 'n Go Card upon RM250 spent

Exclusively for Maxis users

Free Nescafe Dolce Gusto Coffee Maker with your new Public Bank Credit Card!

Apply online now for Public Islamic Bank Visa Gold Credit Card-i

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Because you should be rewarded for giving the bank your business

Earn unlimited cashback up to 0.2% for all your local retail and purchases made abroad. Your cash back or Hibah performance bonus will be credited into your Card Account-i every month. Petrol expenses not included.
Discover how much you can save when you shop with your new Public Islamic Bank Visa Gold Credit Card-i
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM1 and above monthly0.2%uncappedfrom RM1 and above monthly
Balance Transfer
You can now avoid paying high credit card interest rate by consolidating your credit card debt with Public Bank's balance transfer for 6 months with minimum transfer of RM6,000.
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)
Pay for what you want, when you want it! All your purchases are eligible to enrol to Public Bank Flexipay Plan for instalment up to 36 months.
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feefrom RM500 
9 months0% 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
Travel abroad with complete peace of mind. Enjoy up to RM500,000 automatic travel insurance with your Public Islamic Bank Visa Gold Credit Card-i.
Travel CoverageSum Insured
Travel InsuranceUp to RM500000

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when you swipe 12 times for subsequent years
Annual Fee for Supplementary Card
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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals
Contact-less Payment Methods

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
Public Bank Flexipay 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?

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.

Real Cashback

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:

  • Petrol
  • Cash Advance or withdrawal
  • Balance Transfer
  • Transactions at Tunku Abdul Rahman University or Tunku Abdul Rahman University College
  • Government related payments
  • Charity
  • 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.

Management Fees

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.

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