Public Islamic Bank Visa Platinum Credit Card-i

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

Public Islamic Bank Visa Platinum Credit Card-iUltimate Privileges
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
Lazada E-Voucher and many more exciting choices!
worth RM230
when you apply through RinggitPlus3

Lazada E-Voucher and many more exciting choices!

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). Activate your new credit card and get rewarded with 50% cashback on your first online spending, valid till 31 July 2021. Terms and conditions apply.

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

Travel

Charge full travel fares to Visa Platinum credit card-i to get a complimentary RM500,000 travel Takaful coverage. Enjoy 2x complimentary passes to any of the Plaza Premium Lounge in Malaysia.

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM400
Missed FlightUp to RM400
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM400

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.

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.

Free Travel Takaful & Access to Plaza Premium Lounge

Suitable for those whose line of works entail business traveling and anyone who is fond of traveling, Visa Platinum Credit Card-i is equipped with a complimentary travel Takaful plan that includes claim for inconveniences such as flight delayed, luggage lost/delayed etc.

To qualify for this free travel Takaful coverage of up to RM500,000, all you need to do is make a full travel arrangement such as purchasing flight tickets with your Visa Platinum credit card-i. 

Voila! Never have to worry again.

In addition to the Takaful travel insurance, you get 2x access to unwind in any of Plaza Premium Lounge (Malaysia) while waiting to board your flight, complete with comfortable seats, food and drinks.

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.