Public Islamic Bank Visa Gold Credit Card-i

Get attractive cashback, an annual fee waiver and a variety of credits with competitive rates for rainy days — suitable for beginners. Plus, enjoy a 0% Flexipay Plan for your purchases above RM1,000!

Public Islamic Bank Visa Gold Credit Card-i2% cashback for online shopping
Min. Income
RM2,000/month
Annual Fee
Free*
Cashback
up to 2%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a Complimentary
JBL GO 4 Ultra-Portable Bluetooth Speaker
worth RM299
when you apply through RinggitPlus *

JBL GO 4 Ultra-Portable Bluetooth Speaker

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Cashback

Earn 2% cashback on your online transactions, credited into your account every month, capped at RM30 per monthly statement cycle! The earned cashback is combined between the Principal and Supplementary accounts.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Online transactions2%RM30from RM1 or above monthly

Premium

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

Balance Transfer

Transfer and consolidate your other credit cards' outstanding balances to a Public Bank credit card and enjoy lower interest rates and flexible repayment tenures.

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 2.5%one-time upfront handling feefrom RM1,000
24 months0% p.a. and 4.5%one-time upfront handling feefrom RM1,000
36 months0% p.a. and 6.5%one-time upfront handling feefrom RM1,000
48 months0% p.a. and 9.5%one-time upfront handling feefrom RM1,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

Enjoy a special low management fee of 0% per annum and convert your purchases from RM1,000 and above into a 6-month credit card instalment plan. Otherwise, you can also choose a longer repayment tenure that comes with low one-time upfront fees like the following.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months2% one-time upfront handling feeRM1,000
24 months4% one-time upfront handling feeRM1,000
36 months6% one-time upfront handling feeRM1,000
48 months8% one-time upfront handling feeRM1,000
Learn more about Public Bank Flexipay Plan

Fees & Charges

Annual Fee
  • RM150 primary card

    Free for first year

    Waived when you swipe minimum 12 times over the preceding 12 months

  • 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 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 anywhere with an instalment rate as low as 2% with this Public Bank Flexipay Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying as low as 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, the convenience of online banking at PBe Service and annual fee waiver.

Earn 2% 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 rebates 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 RM1 spent on your Visa Gold Credit Card-i. While 2% may look less profitable, 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 transactions are qualified for this cashback.

Beneficial line of credits

0% Flexipay Plan

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

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

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

Otherwise, if you are keen on a longer repayment tenure, you can opt for the Public Bank Flexipay Plan with choices of up to 48 months.

Cash Advance

Are you strapping for cash? Make your way to Public Bank branches or any ATM 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 the 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.

Banking benefits of Public Islamic Bank Visa Gold

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.

For all your money management purposes, there are many ways to go about it such as ATMs, Public Bank branches, 24-hour helpdesk and internet banking facilities via PBe Service.

That's not all, if you want to open a current account at a Public Bank branch, you don't need an introducer, just go ahead and tell the bank officer that you are a Public Bank Visa Gold Credit Card-i cardholder.

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