Public Bank AIA Visa Gold Card

Feature Highlights

  • A gold cashback credit card that gives unlimited 0.2% cash rebate on AIA Insurance Premium payments.
  • Enjoy 0.1% Cash MegaBonus on your retail purchases.
  • 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.

0% Installment Plan

  • 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 installment 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!

Fees and Charges

  • It is free for life for both primary and supplementary card holders without any conditions!

Are You Eligible For The Public Bank AIA Visa Gold Card.

  • Anybody can apply for the Public Bank AIA Visa Gold Card if you are earning a minimum annual income of RM24,000 and is 21 years old and above to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at

Flexibility Fee and Charges

  • Interest Rate
    15% p.a.
  • Annual Fee


  • Pay for your AIA insurance premium with Public Bank AIA Visa Gold and earn 0.2% cash rebate, capped at RM100 per year. Also, when you swipe on retail purchases locally and overseas, get a 0.1% unlimited Cash MegaBonus!


  • Until 30 September 2021, get 15% cashback when you spend minimum RM50 on contactless transactions (Visa PayWave). Kindly SMS to participate “PBPW<space>16-digit Principal PB Visa Credit Card number to 66300”. Transactions such as auto-debits, utilities, insurance premiums, government and charity-related payments are not included for this cashback. Terms and conditions apply.

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%.

Card Information

      • Min. Monthly Income
      • Min. age for principal holder
        21 and above
      • Min. age for supplementary holder
        18 and above
  • Fee for supplementary holder
    Free for life.
  • Finance charges
    6 months 1.5% one-time upfront handling fee RM1,000
    9 months 2% one-time upfront handling fee RM2,000
    12 months 3% one-time upfront handling fee RM1,000
    24 months 5.5% one-time upfront handling fee RM2,000
    36 months 7% one-time upfront handling fee RM3,000
    48 months 9.5% one-time upfront handling fee RM5,000