Public Islamic Bank Visa Platinum Credit Card-i

Earn unlimited 0.2% cash rebate on retail spending, 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 0.2%
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
Lazada E-Voucher and many more exciting choices!
worth RM230
when you apply through RinggitPlus3

Lazada E-Voucher and many more exciting choices!

Cashback

Unlimited 0.2% Cash MegaBonus is yours for every Ringgit spent on retail purchases locally and overseas. Getting cashback every month is easy as there is no limit to the credit card usage!

Cashback categoryCashback rateMonthly capSpend
on retail purchases locally and overseas0.2%uncappedfrom 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.

Balance Transfer

Take advantage of savings and flexibility when you transfer your outstanding credit card debts to Public Bank credit card to benefit from a low one-time upfront interest starting from 1.5%.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.5% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 5.5% one-time upfront handling feefrom RM3,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM6,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

Enjoy low and competitive interest rate starting from 0% p.a. with flexible repayment terms of your choice with Public Bank credit card instalment plans.

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
Public Bank Zero Interest Installment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM500
9 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
30 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about Public Bank Zero Interest Installment 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.
Public Bank Zero Interest Installment Plan
Zero Interest means there's NO interest to pay for up to 36 months on retail transactions you choose to convert to Public Bank's Zero Interest Instalment Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying 1.5% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.

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.

Public Islamic Bank Visa Platinum Credit Card-i- Unlimited Cash MegaBonus

Cash MegaBonus is one of many lifehacks at savings on your credit card expenses. 

To earn Cash MegaBonus, you only need to swipe your Public Islamic Bank Visa Platinum Credit Card-i on both local and overseas retail purchases, with RM1 spent is equal to 0.2% Cash MegaBonus.

The 0.2% Cash MegaBonus will be credited into your account every month. Interestingly, there's no capping on the cashback amount you will get back. 

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 can 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% Instalment Plans

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

With Public Bank’s Zero Interest Installment Plan (ZIIP), you have the privileges to swipe on the goods or services first then repay at a later date, i.e. one month after the successful EPP conversion.

First thing first, check if your merchants are ZIIP-approved, or else you can opt for Public Bank Flexipay Plan, which is also a flexible credit card instalment plan for purchases made at non-participating merchants at a small fee.

But if you're hurry, you can enjoy a 0% p.a. interest on your EPP conversion amount - always check out on Public Bank credit card promotions!

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.

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