Public Islamic Bank Visa Platinum Credit Card-i

Earn 4% cash rebate on online and overseas transactions, annual fee waiver and contactless payment with a Platinum credit card.

Public Islamic Bank Visa Platinum Credit Card-i4% cashback for everyday spending
Min. Income
RM3,333.33/month
Annual Fee
Free*
Cashback
up to 4%
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
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

Cashback

4% cashback is yours for every Ringgit spent on online purchases and overseas transactions, capped at RM30 per monthly statement cycle (combined between Principal and Supplementary accounts).

Cashback categoryCashback rateMonthly capSpend
Online and overseas transactions4%RM30from RM1 and above monthly

Travel

Enjoy 2x complimentary access to any Plaza Premium Lounge in Malaysia. Guest(s) of eligible cardmember may also enjoy 25% discount on walk-in rate at participating lounges.

Premium

Enjoy 50% discount for Will and Wasiat Writing service fee. Every month, 0.1% of your dining spending will automatically be donated to the Yayasan Waqaf, capped at RM100 per monthly statement cycle. Get covered up to USD200 for your goods with e-Commerce Purchase Protection programme.

Easy Payment Plans

Convert your purchases of at least RM1,500 into 6 months Flexipay Plan and enjoy 0% management fee.

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
  • RM333 primary card

    Free for first year

    Waived when you swipe 12 times for subsequent years

  • RM150 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RM20 or 5% of withdrawn amount, whichever is higher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
RM40,000
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 installment rate as low as 1.5% with this Public Bank Flexipay Plan.

Review

Elevate your credit card game in sync with your income status with Public Islamic Bank Visa Platinum Credit Card-i - a card that speaks your needs with benefits, privileges and uniqueness of its own.

Get Cashback with Public Islamic Bank Visa Platinum Credit Card-i

Cashback or cash rebate is one of many life hacks at savings on your credit card expenses. 

To earn cashback, you only need to swipe your Public Islamic Bank Visa Platinum Credit Card-i on both online and overseas retail purchases, with RM1 spent is equal to 4% cashback.

The 4% cashback will be credited into your account every month, capped at RM30 per monthly statement cycle combining both Principal and Supplementary accounts.

But remember, only retail transaction is qualified for this cashback.

Complimentary Access to Plaza Premium Lounge in Malaysia

As the eligible cardmember of Public Islamic Bank Visa Platinum Credit Card-i, you get to enjoy 2x complimentary access to any Plaza Premium Lounge within Malaysia! 

What's even greater is that your accompanying guest(s) also get to enjoy 25% discount on walk-in rate to any of the participating lounges as well.

You can check out the participating lounges here.

Annual Fee Waiver

You would be happy to learn that you don't need to pay for Public Islamic Bank Visa Platinum 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 Platinum Credit Card-i Line of Credits

0% Flexipay Plan

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

With Public Bank Flexipay Plan, you have the privileges to swipe on the goods or services at 0% management fee over the period of 6 months. You only need to make sure that the stuffs you're about to purchase cost at least RM1,500 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 Platinum credit card-i at a small fee.