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

Benefits
Fees & Charges
Requirements
Features
Review
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Apply online now for Public Islamic Bank Visa Gold Credit Card-i

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My income is greater than RM24000 a year. That's at least RM2000 monthly.

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Benefits

Because you should be rewarded for giving the bank your business

Cashback

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 Category		Cashback Rate	Monthly Cap	Spend
All Retail	Spendfrom RM1 and above monthly	0.2%	uncapped	from 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 Over	With Interest Rate At	When You Transfer
6 months	0% p.a. and 1.5% one-time upfront handling fee	from RM500
6 months	0% p.a. and 0% one-time upfront handling fee	from RM6000
12 months	0% p.a. and 3% one-time upfront handling fee	from RM1000
24 months	0% p.a. and 5% one-time upfront handling fee	from RM3000
36 months	0% p.a. and 7% one-time upfront handling fee	from 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 Over	With Interest Rate At	When You Spend
6 months	1.5% one-time upfront handling fee	from RM500
9 months	0% one-time upfront handling fee	from RM2000
12 months	3% one-time upfront handling fee	from RM1000
24 months	5% one-time upfront handling fee	from RM2000
36 months	7% one-time upfront handling fee	from RM3000

Learn more about Public Bank Flexipay Plan

Travel

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 Coverage	Sum Insured
Travel Insurance	Up to RM500000

Fees & Charges

There are always fees but how much are they?

Annual Fee

RM159.00

Free for first year
Waived when you swipe 12 times for subsequent years

Annual Fee for Supplementary Card

RM106.00

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

18%

Contact-less Payment Methods

payWave

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

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; 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.