What is the Public Bank Visa Lifestyle Debit Card about?
It is a 2-in-1 card that functions as both your ATM card and a debit payment tool. It links directly to your Public Bank Savings or Current Account, allowing you to use your own funds for purchases instead of credit.
It is designed for everyday convenience, enabling you to withdraw cash, shop online, and pay at merchants worldwide wherever Visa is accepted.
What features do I get with this card?
You gain global access to your funds with worldwide acceptance at millions of Visa merchant locations and ATMs. Whether you are travelling abroad or shopping locally, your card connects you to the extensive Visa network. You can also shop online with confidence using 3D Secure verification, ensuring your internet transactions remain safe and protected.
Experience faster checkouts with contactless technology. Simply "Tap to Pay" for transactions under RM250 without the need for a PIN or signature. For added convenience, the card allows you to withdraw cash at selected merchant Point-of-Sale (POS) terminals via MyDebit Cash Out while you shop, saving you a trip to the ATM.
Manage your finances responsibly as expenses are deducted directly from your available Savings or Current Account balance. This direct debit feature helps you stay within your budget without worrying about interest charges or late payment fees often associated with credit cards.
Any other features?
- MyDebit Network: Supports the domestic MyDebit network for local payments.
- Adjustable Limits: You have the flexibility to change your daily purchase and withdrawal limits via Public Bank ATMs or PBe online banking to suit your lifestyle or security needs.
- SMS Alerts: Receive notifications for transactions to help you track your spending and detect unauthorised usage.
What are the fees or charges?
- Issuance Fee: RM8.00 (Waived for certain account types like Basic Savings Account, subject to conditions).
- Annual Fee: RM8.00.
- Card Replacement Fee: RM12.00 (for lost or damaged cards).
- Overseas ATM Withdrawal Fee: RM10.00 per transaction at non-MEPS member banks or affiliated banks worldwide.
- Cash-Out Fee (at POS): RM1.50 per transaction (Visa) or RM0.50 (MyDebit).
- Sales Draft Retrieval Fee: RM15.00 per copy.
Any transaction limits that I should be aware of?
- Contactless Transaction Limit: RM250 per transaction without PIN.
- Cumulative Contactless Limit: RM500 per day (After reaching this, a PIN transaction is required to reset the counter).
- Daily Purchase Limit: Default limits apply (e.g., RM2,000 - RM5,000 depending on account type), but can be adjusted up to RM10,000 or more via ATM/PBe.
- ATM Withdrawal Limit: Subject to your account’s daily withdrawal limit setting (typically defaults to RM3,000 or RM5,000).
Am I eligible to apply?
Any individuals aged 12 years or older are eligible to apply. To receive the debit card and enjoy the perks, you also must be a Public Bank Savings or Current Account holder (Individual or Joint Account).
If you are interested, prepare the following documents to start your application journey.
- Original MyKad (NRIC) for Malaysians or a Passport for non-Malaysians.
- Existing Public Bank account passbook or account details (if applying for a card linked to an existing account).
- Initial deposit for opening a new Savings/Current account (if you do not already have one).
