Public Bank Visa Classic Credit Card

Feature Highlights

  • Up to 0.6% cashback on all retail spending
  • FREE Automatic Travel Insurance of RM350,000
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Spend And Earn Cashback!

  • Public Bank Visa Credit Card is a card that gives you cash rebates on your spending. With up to 0.6% cashback on your retail purchases (excluding petrol spending), you can now save more money when you shop for your clothes, wine and dine in a restaurant, and/or buying groceries from the supermarket. To enjoy the 0.6% cash rebate, you will need to spend above RM10,000. If you spend not more than RM10,000 but more than RM3,000, you will be getting 0.5% cashback on your transactions. Any other spending amount will see your cash rebate drop to 0.3%. This card also comes with an automatic travel insurance whereby you can get up to RM350,000 coverage; provided you paid for the travel arrangements using your credit card. On top of that, luggage delay, luggage loss or anything that will bring inconvenience to your travel will also be compensated. By transferring from your existing card, you can enjoy a 0% interest on your oustanding balance for 6 months. The minimum transfer amount is RM5,000.

Fees and Charges

  • Annual fee for the Public Bank Visa Credit Card is RM79.50 for the principal cardholder while for the supplementary cardholder, the annual fee is RM47.70. The finance charges that come with this card have 3 tiers: 15% p.a., 17% p.a. and 18% p.a. To enjoy the 15% per annum interest rate, you will need to make prompt minimum monthly repayments for consecutive period of 12 months. Missing 1 or 2 monthly payments, will see a 17% per annum interest rate charged on your outstanding balance. Anything else and the interest rate that your outstanding balance will be charged with 18% per annum. When you miss any monthly payments, you will be charged with a late repayment penalty of up to RM100 (a minimum of RM10 or 1% of outstanding balance).

Are You Eligible For The Public Bank Visa Classic Credit Card?

  • There are annual fees for both principal and supplementary cardholder. The annual fee for the principal card will be RM79.50 while the annual fee for the supplementary card is RM47.70. Minimum age requirement is 21 years old for the principal cardholder and 18 years old for the supplementary cardholder.
  • Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Public Bank Executive MasterCard Credit Card and Maybank Visa Classic Card, which may match your requirements.
  • If you prefer to broaden your credit card search, review more Public Bank credit cards and start comparing today!

The above sources can be found at https://www.imoney.my/

Flexibility Fee and Charges

  • Interest Rate
    15% p.a.
  • Annual Fee
    RM75.00

 

Dining

  • 0.6% cashback if total monthly spending is RM10,001 and above
  • 0.5% cashback if total monthly spending is between RM3,001 – RM10,000
  • 0.3% cashback if total monthly spending is RM3,000 and below

Groceries

  • 0.6% cashback if total monthly spending is RM10,001 and above
  • 0.5% cashback if total monthly spending is between RM3,001 – RM10,000
  • 0.3% cashback if total monthly spending is RM3,000 and below

Shopping

  • 0.6% cashback if total monthly spending is RM10,001 and above
  • 0.5% cashback if total monthly spending is between RM3,001 – RM10,000
  • 0.3% cashback if total monthly spending is RM3,000 and below

Petrol

  • 0.6% cashback if total monthly spending is RM10,001 and above
  • 0.5% cashback if total monthly spending is between RM3,001 – RM10,000
  • 0.3% cashback if total monthly spending is RM3,000 and below

Entertainment

  • 0.6% cashback if total monthly spending is RM10,001 and above
  • 0.5% cashback if total monthly spending is between RM3,001 – RM10,000
  • 0.3% cashback if total monthly spending is RM3,000 and below

Card Information

  • Min. Monthly Income
    RM2,000.00
  • Min. age for principal holder
    21
  • Min. age for supplementary holder
    18
  • Fee for supplementary holder
    RM45
  • Finance charges
    15% p.a. – prompt payment for 12 consecutive months
    17% p.a. – prompt payment for at least 10 out of 12 months
    18% p.a – if any of the above are not met