Public Islamic Bank Visa Platinum Credit Card-i credit card

Also available as MasterCard

Public Islamic Bank Visa Platinum Credit Card-i

Get premium benefits from Visa and Public Bank. Free Plaza Premium Lounge access, unlimited cash rebates, and RM1 million travel coverage!

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • up to 0.3% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM352.98 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 Platinum Credit Card-i

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Because you should be rewarded for giving the bank your business

Earn uncapped 0.3% cash rebate on your shopping and expenses both here in Malaysia and when you go overseas.
Discover how much you can save when you shop with your new Public Islamic Bank Visa Platinum Credit Card-i
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM1 and above monthly0.3%uncappedfrom RM1 and above monthly
Balance Transfer
Transfer your outstanding credit card balances from other banks and enjoy 0% interest for 6-month balance transfer plan. Transfer amount must be at least 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)
Shop now, pay later! Stretch your credit payments into bite size instalments of up to 36 months with Public Bank Flexipay Plan.
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
3x complimentary access to Plaza Premium Lounge at any airports in Malaysia. Additionally, have the comfort of RM1,000,000 automatic travel coverage with your Public Bank credit card.
Travel CoverageSum Insured
Travel InsuranceUp to RM1000000

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 Platinum Credit Card-i review

What's so good (or not so good) about it?

Go premium with the Public Islamic Bank Visa Platinum Credit Card-i! You’ll get even more platinum benefits – higher cash rebates, free takaful travel insurance and Plaza Premium Lounge access – to travel and shop in style! You'll also enjoy quick and easy transaction over the counter with Visa payWave.

Unlimited Cashback

More Hibah rewards for every Ringgit that you charge to you credit card. Your rebates will be credited to your Public Islamic Bank Credit Card-i Account on a tiered rate every month. Get Hibah rate of 0.3% when you spend on retail both in Malaysia and when you travel overseas.

There are no limits to your rebates, but the following transactions are excluded from earning Hibah rewards:

  • Petrol purchases
  • Cash withdrawals
  • Balance Transfers
  • Government related payments
  • Charity donations
  • ATM payments
  • Online purchases
  • Transactions at Tunku Abdul Rahman University or Tunku Abdul Rahman University College

Bigger Takaful Travel

Swipe your Visa Platinum Credit Card-i on all your travel fares and get covered with complimentary Takaful travel insurance with benefits up to up to RM1,000,000! For ease of travel your coverage also includes travel inconveniences due to lost or delayed luggage, flight delays, missed flight connections and cancellations.

Plaza Premium Lounge Access

Skip the crowds. Public Islamic Bank Visa Platinum Credit Card-i gives you 3x access to all Plaza Premium Lounges across Malaysia. This privilege is available to both principal and supplementary card members!

Zero Annual Fees

Don’t pay any annual fees on your credit card for life! Unlike other platinum credit cards, it’s easy to waive the annual fee of your Public Islamic Bank Visa Platinum Credit Card-I when you follow these simple steps.

No stress on your first year because your annual fee has already been waived. After that all you’ve got to do is to swipe your credit card once a month for a total of 12 transactions a year, the same applies for your supplementary cards. You’ll save RM352.98 and RM159.00 for each supplementary card every year.

0% Instalment Plan

Shop at participating merchants and pay later with Public Bank’s Zero Interest Instalment Plan. Spread out your purchase repayments over 3 - 36 months at 0% interest and no upfront fee. However, if you are unable to settle the full amount within the agreed period a standard tiered interest rate from 15% to 18% per annum will be applied.

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