Public Bank
| Instalment Period | Interest Rate | Minimum Amount |
|---|---|---|
| 6 months | 1.5% one-time upfront handling fee | RM1000 |
| 9 months | 2% one-time upfront handling fee | RM2000 |
| 12 months | 3% one-time upfront handling fee | RM1000 |
| 24 months | 5.5% one-time upfront handling fee | RM2000 |
| 36 months | 7% one-time upfront handling fee | RM3000 |
While most providers require you to apply immediately, Public Bank allows you to convert 3 days after the purchase or 5 days before the next statement date. Here how you can do it:
The Public Bank Flexipay Plan is amazing for those of you who want to save more on your credit card bill.
Exclusively for Public Bank credit card holders and for a limited time only, you can now enjoy a one time payable upfront interest rate on your repayment!
That's not all - with the same Flexipay Plan, Public Bank lets you stretch your repayment up to 36 months at lower interest rate.
| Flexipay Tenure | One-Time Upfront Interest / Management Fee | Minimum Amount |
| 6-month | 1.5% | RM1,000 |
| 9-month | 2% | RM2,000 |
| 12-month | 3% | RM1,000 |
| 24-month | 5.5% | RM2,000 |
| 36-month | 7% | RM3,000 |
Source: Public Bank
There is no setup fee and a choice of up to 18 Public Bank cards to choose from.
To enjoy one-time upfront interest as low as 1.5%, all you need to do is convert your credit card transactions into low monthly installments through your Public Bank credit card.
How to apply:
SMS "PBFP<space>16-digit credit card no.<space>First 6 characters of merchant name<space>Amount<space>Flexipay tenure" to 66300
Sign up as fast as you can and convert your credit card transactions to enjoy this special low interest rate now! This promo will end on the 30 June 2020.
| Credit card image | Credit card name and benefits | Interest Rate | Cashback | Annual Fee | Apply Online |
|---|---|---|---|---|---|
 | Public Bank Gold MasterCardPacked with amazing perks: unlimited 0.1% Cash MegaBonus, annual fee waiver, flexible credit card instalment plans, and exclusive deals and discounts. |
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| Read more Apply now |
 | Public Bank Gold VisaEarn unlimited Cash MegaBonus for every Ringgit swiped locally and overseas. Or convert your big-ticket item purchase into an interest-free flexi payment plan |
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| Read more Apply now |
 | Public Bank Platinum MasterCardEnjoy the privileges of VIP Points, annual fee waiver, complimentary insurance plans, contactless payment and opening of a current account without an introducer! |
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| Read more Apply now |
 | Public Bank Visa InfiniteNo annual fee for life premium credit card offering unlimited Cash MegaBonus and Air Miles with every spending, free travel insurance and 3x airport lounge access. |
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| Read more Apply now |
 | Mutual Gold Public Bank Visa PlatinumExclusively for Mutual Gold and Mutual Gold Elite Members of Public Mutual - earn unlimited Cash Rebate and Cash Bonus on birthday month! |
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| Read more |
 | Public Bank MasterCard StandardPublic Bank MasterCard Standard is a card that everyone new to credit cards will need. No frills, no stress and easily maintained. |
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| Read more Apply now |
 | Public Bank Visa PlatinumGiving you 0.2% Cash MegaBonus on retail spending, annual fee waiver, free travel insurance and contactless payment at the checkout - a truly platinum lifestyle. |
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| Read more Apply now |
 | Public Bank AIA Visa GoldA gold cashback credit card gives 2% cash rebate on AIA Insurance Premium payments, 0.1% Cash MegaBonus and a free pass when you open a current account. |
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| Read more Apply now |
 | Public Bank Visa CommercialGive yourself and your company a controlled line of credit for efficient cash flow management - only for registered public and private companies. |
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| Read more Apply now |
 | Public Bank Visa SignatureEnjoy significant perks: 6% cash rebate, 1 VIP Point, free 2x airport lounge access, free travel insurance and annual fee waiver with every swipe of Visa Signature. |
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| Read more Apply now |
 | Public Bank Petron Visa GoldA dedicated petrol cashback credit card for Petron patrons. Earn up to 5% Cash MegaBonus on fuel and non-fuel purchases at Petron Service Station nationwide. |
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| Read more Apply now |
 | Public Islamic Bank MasterCard Gold Credit Card-iNo frills Islamic credit card that gives unlimited cash rebate, competitive instalment plans, balance transfer and many banking benefits |
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| Read more Apply now |
 | Public Islamic Bank MasterCard Platinum Credit Card-iAn Islamic platinum cashback MasterCard offers 2x free access to airport lounge, free travel Takaful, unlimited cash rebate and annual fee waiver. |
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| Read more Apply now |
 | Public Islamic Bank Visa Gold Credit Card-iUnlimited Cash MegaBonus, annual fee waiver and a variety line of credits with competitive rates for the rainy days - suitable for beginners. |
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| Read more Apply now |
 | Public Islamic Bank Visa Platinum Credit Card-iEarn unlimited 0.2% cash rebate on retail spending, annual fee waiver, free travel insurance and contactless payment with a Platinum credit card. |
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| Read more Apply now |
 | Public Bank Quantum MasterCardHave no annual fees for life and get more spending benefits out of your credit card such as 5% cashback, 0% EPP and VIP Points! |
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| Read more Apply now |
 | Public Bank Quantum VisaA Free-for-Life card promises 5% cashback and up to 2 VIP Points when you swipe it at your favorite restaurant, cafe or clothing brands anywhere. |
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| Read more Apply now |
 | Public Bank Visa BusinessTake charge of your business with the Public Bank Visa Business. Provide your employees with a secure line of credit and concentrate on growing your business. |
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| Read more Apply now |
 | Public Bank World MasterCard Credit CardA premium travel credit card gives Air Miles, 3x complimentary airport access and free travel insurance! |
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| Read more Apply now |
 | Public Bank Esso Mobil Visa GoldEarn up to 5% cash rebate on fuel and non-fuel purchase at Esso, Mobil or Petronas service stations in Malaysia. 0.5% cashback on everything else! |
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| Read more |
 | Public Bank Executive MasterCardFree travel insurance and reward points on your shopping! A unique credit card that changes colour to Lavender, Pink, Turquoise, Grey or Green. |
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| Read more |