Public Islamic Bank Visa Platinum Credit Card-i

Earn a 4% cashback on online and overseas transactions! In addition, enjoy an annual fee waiver, complimentary access to selected local Plaza Premium Lounge and a 0% Flexipay Plan.

Public Islamic Bank Visa Platinum Credit Card-iEnjoy a 0% Flexipay Plan with your new card!
Min. Income
RM3,333.33/month
Annual Fee
Free*
Cashback
up to 4%
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

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 or above monthly

Travel

Enjoy 2x complimentary access to selected Plaza Premium Lounges in Malaysia. Guest(s) of eligible card members may also enjoy a 25% discount on the walk-in rate at participating lounges. Terms apply.

Premium

Enjoy a 50% discount on Will and Wasiat's Writing service fees. Not to mention, 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

Consolidate your other credit cards' outstanding balances to a Public Bank credit card and enjoy lower interest rates over flexible 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

Convert your purchases of RM1,500 and above into a special 6-month Flexipay Plan and enjoy a 0% management fee. Otherwise, you can choose other choices of repayment tenures below.

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
  • RM333 primary card

    Free for first year

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

  • 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 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

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 4% cashback with Public Islamic Bank Visa Platinum Credit Card-i

Cashback or cash rebate is one of many life hacks for 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 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 transactions are qualified for this cashback.

Complimentary access to Plaza Premium Lounge in Malaysia

As an eligible card member of Public Islamic Bank Visa Platinum Credit Card-i, you get to enjoy 2x complimentary access to selected Plaza Premium Lounges in Malaysia! 

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

Please find more details about this privilege and check out the participating airport lounges here.

Annual fee waiver

You would be happy to learn that you don't need to pay for the 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.

Line of credits of Public Islamic Bank Visa Platinum Credit Card-i

Exclusive 0% Flexipay Plan

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

With the Public Bank Flexipay Plan, you have the privilege to swipe on the goods or services at a 0% management fee over 6 months. You only need to make sure that the stuff you're about to purchase costs at least RM1,500 or above before being eligible to sign up for this instalment plan.

Otherwise, you can also choose other longer repayment tenures of up to 48 months with low one-time upfront fees. The eligible spending is only RM1,000 to enrol.

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 Platinum credit card-i at a small fee.

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