Best Public Bank Credit Cards in Malaysia 2022

If you're looking for a card that gives you both unlimited cashback and reward points, look no further than a Public Bank credit card. From Petron petrol discounts, to premium rebates on AIA insurance, to exclusive VIP travel privileges, PBE has got them all! Go ahead and make an online application now.

Quick and easy

Overview of Public Bank Credit Cards In Malaysia

Malaysians love the fact that Public Bank’s extensive range of credit card offerings provide value for users. 

From cashback, premium lifestyle offerings, and travel-ready cards, you can’t go wrong with Public Bank credit cards.

Public Bank Credit Card Campaign FAQs:

For a limited time only, all approved applicants of eligible AmBank credit card(s) will receive a guaranteed sign-up gift of:

  • RM400 Cashback (for Public Bank Visa Infinite and Public Bank World Mastercard credit cards only)
  • RM250 Cashback (for all other qualifying Public Bank credit cards and Public Islamic Bank credit cards-i)

This campaign runs from 1 January 2022 to 30 June 2022, subject to campaign's terms and conditions.

Who is qualified for this promotion?

This campaign is open to new customers only. Existing principal/supplementary cardholders or those who had cancelled their Public Bank credit cards within 2 years from the date of the current application are not eligible.

Which credit cards can I apply for?

You can apply for:

  • Public Bank Visa Infinite
  • Public Bank World Mastercard
  • Public Bank Quantum Visa
  • Public Bank Quantum Mastercard
  • Public Bank Visa Platinum
  • Public Bank Petron Visa Gold
  • Public Bank Visa Signature
  • Public Bank AIA Visa Gold
  • Public Bank Mastercard Standard
  • Public Bank Platinum Mastercard
  • Public Bank Gold Visa
  • Public Bank Gold Mastercard
  • Mutual Gold Public Bank Visa Platinum
  • Public Islamic Bank Visa Platinum Credit Card-i
  • Public Islamic Bank Visa Gold Credit Card-i
  • Public Islamic Bank Mastercard Platinum Credit Card-i
  • Public Islamic Bank Mastercard Gold Credit Card-i

Where can I reach out to you for more information?

For any questions, please get in touch with us via email at [email protected].

Public Bank Credit Card Features and Benefits

1. Earn Cashback for Everyday Spending

A good cashback credit card is determined by how rewarding its cashback policies are. 

In that regard, Public Bank’s cashback credit cards such as the Quantum Mastercard and Visa Signature stand out.

Earn cashback on dining, online, department store, and even grocery purchases!

2. Public Bank VIP Points and Air Miles Points

What other benefit is there besides cashback? Public Bank cards let you earn VIP Points for every Ringgit spent. 

The Public Bank Visa Signature not only offer cashback, but you also earn VIP points AND lounge access! How’s that for an all-rounder card?

For the elite, the Public Bank World Mastercard lets you earn Air Miles Points that can be converted into – you guessed it – your favourite airline’s rewards program. 

Accelerate your miles accumulation by spending your card overseas, and fly for free in no time.

3. Public Bank Comprehensive Insurance Coverage

Managing an emergency while abroad is a daunting task. 

With that in mind, PBB credit cards cover you and your supplementary card members with complimentary travel insurance when you purchase your full travel arrangement with your Public Bank cards.

Enjoy coverage of up to RM500,000 for travel inconveniences, including luggage delay, luggage loss, flight delay, missed connecting flight, trip cancellations, and repatriation expenses.

4. Public Bank Balance Transfer via Instalment Plan

It's always a good idea to keep the outstanding balance of your credit card at the lowest interest rate where possible.

Enjoy low and flat interest rates when you consolidate your outstanding balances from other credit cards to your Public Bank card with Public Bank balance transfer. 

Choose from 6 to 48-month tenures with 0% interest rates and small one-time upfront fees.

Public Bank Credit Card Promotion

Another perk of owning a PBB credit card is helping you to save money while enjoying life to the fullest.

The Public Bank credit card promotion offers irresistible deals and discounts on online shopping, dining, dessert, health and beauty, gadget, travel and many more.

If this makes you excited, go to the bank's website to view the list of Public Bank credit card promotion.

Remember to 'bookmark' it on your laptop so you'll never miss a deal!

What are the interest rates for Public Bank credit cards?

Like most banks in Malaysia, Public Bank adopts a tiered interest rate in a range of 15% - 18% per annum as recommended by Bank Negara Malaysia. 

Credit card interest rates will commonly be higher if you have a history of inconsistent repayments, and vice versa, lower interest rates if you are prompt in repayments.

What are the minimum monthly repayments for Public Bank credit cards?

Public Bank cardholders are required to make minimum monthly repayments of 5% of the current balance or a minimum of RM50, whichever is higher. 

Monthly repayments will have to be made within the stipulated due date.

Failure to do so may result in late payment charge of a minimum of RM10 or 1% of total outstanding balance (excluding interests and fees), whichever is higher and up to a maximum of RM100.

How much does it cost to get a replacement Public Bank card?

If your Public Bank card gets lost, stolen or damaged, you can get a replacement credit card for RM50 per card within 5-7 working days from the date of issuance.

Mastercard e-Commerce Purchase Protection

Enjoy complimentary protection for your Mastercard World credit card. 

Receive USD200 coverage for all your online purchases worldwide against incomplete deliveries, the wrong item delivered, non-delivery of items, and physical damage to delivered items – all when you pay with your Public Bank World Mastercard.

Am I eligible to apply for Public Bank credit cards?

To apply for a Public Bank credit card, the principal cardholder will have to be at least 21 years old, while the supplementary cardholder is to be at least 18 years old. 

Minimum annual income differs from card to card.

Age of Principal Cardholder Min. 21 years old
Age of Supplementary Cardholder Min. 18 years old
Nationality Anyone
Income Requirement (monthly)*

*Please note that the minimum income requirement for expats might be different

How do I apply for a Public Bank credit card?

Apply for Public Bank credit cards from the comfort of your home - or anywhere, as the application can be made online on RinggitPlus

All you have to do is to compare all the Public Bank credit cards and apply now. Be sure to also check out the latest credit card promotion.

What are the documents for Public Bank credit card application?

You can compare and apply for Public Bank card online on RinggitPlus

To speed up your credit card application, it’s best to prepare the documents required for credit card application.

Salaried Employee Self-employed Salaried Expatriate
Photocopy of MyKad (both sides) Photocopy of MyKad (both sides) Copy of Passport
Latest EPF statement or latest 2 months salary slip*, AND Photocopy of Business Registration form Latest 2 months salary slip*
Latest BE form with a tax receipt, OR 6 months bank statements, OR Work permit valid for at least 6 months at the time of application
3 months bank statements, OR Latest Form B with a tax receipt Letter of employment
Latest EA form - -

*Number of months of salary slip required will depend on the nature of your work. Have your commission slips with you if available.

Best Public Bank Credit Cards in Malaysia 2022:

Public Bank credit card

Public Bank Visa Signature

An all-rounded credit card that with cashback, VIP Points, and airport lounge access – what more do you need? Enjoy 6% cashback on groceries, online, and dining, with zero minimum spend. 

Travel in comfort with 2x complimentary Plaza Premium Lounge access – and safe in the knowledge that you are also covered with up to RM500,000 travel insurance. 

Finally, earn 1 VIP Point for every RM1 spent. Did we mention that this card’s annual fee is waived when you use it 12 times a year?

Public Bank credit card

Public Bank Quantum Mastercard

Public Bank credit card

Quantum Visa

Some say good things come in pairs, and with the Public Bank Quantum cards, that cannot be truer: these are the best Public Bank cash back credit card. 

Enjoy cashback when you shop online or make contactless transaction, capped at RM30 per card – with zero minimum spend! 

This free-for-life Public Bank card also has a low minimum income requirement, and has one feature exclusive among all PBB credit cards: exclusive 0% Flexipay plan for 48 months with the minimum retail purchase of RM1,000.

Public Bank credit card

Public Bank World Mastercard

Taste the sweet life with the Public Bank World Mastercard. 

This Public Bank travel credit card offers 3x complimentary Plaza Premium Lounge access, and lets you travel with peace of mind with up to RM500,000 complimentary travel insurance when you pay for your trips with this card, and Wallet Guard. 

Earn 3x Air Miles Points for every RM1 spent overseas, and take full advantage of the perks offered by this free-for-life premium card.

Public Bank credit card

Public Bank Visa Infinite

Another premium credit card with zero annual fees, the Public Bank Visa Infinite is yet another solid offering. 

Enjoy 0.3% Cash Rebate and 2% Cash MegaBonus on all retail spend locally and overseas, complimentary travel insurance of up to RM500,000 coverage, and 3x complimentary Plaza Premium Lounge access. 

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