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.

Public Islamic Bank Visa Gold Credit Card-iUnlimited Cash Rebate
Min. Income
RM2,000/month
Annual Fee
Free*
Cashback
up to 0.1%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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Cashback

Earn 0.1% unlimited Cash MegaBonus on both local and overseas retail purchases, credited into your account every month.

Cashback categoryCashback rateMonthly capSpend
on retail purchases locally and overseas0.1%uncappedfrom RM1 and above monthly

Premium

Open a current account at any Public Bank branches without an introducer!

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% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 5.5% one-time upfront handling feefrom RM3,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM6,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

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.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months1% 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
Learn more about Public Bank Flexipay Plan
Public Bank Zero Interest Installment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM500
9 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
30 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about Public Bank Zero Interest Installment 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
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
Public Bank Flexipay Plan
Tired of window shopping all the time? You can shop for anything at anywhere with instalment rate as low as 1% with this Public Bank Flexipay Plan.
Public Bank Zero Interest Installment Plan
Zero Interest means there's NO interest to pay for up to 36 months on retail transactions you choose to convert to Public Bank's Zero Interest Instalment Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.

Review

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.