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Public Bank Visa Gold Credit Card

Public Bank Visa Gold Credit Card

Feature Highlights

  • Up to 0.7% cashback on all retail spending
  • Travel Accident and Inconvenience Insurance
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Benefits & Features

Spend And Earn Cashback!

  • Public Bank Visa Gold Credit Card is a card that gives you cashback when you spend using the card. You will now be able to get more value from your money when you dine in a restaurant, shop for groceries or buy new clothes. If your total monthly spending is RM3,000 and below, you will be getting 0.3% cashback on your transactions. If your spending is more than RM3,000 but less than RM10,000, you will be able to enjoy cash rebate of 0.5%. To enjoy a cash rebate of 0.6%, you will need to spend more than RM10,000. However, to be able to enjoy the maximum cashback (0.7%) from this card, you will need to make a monthly spending of more than RM30,000. On top of that, this card also comes with a protection plan for your travel. With coverage of up to RM100,000 for Travel Accident Insurance together with Travel Inconvenience Coverage, you can travel with a peace of mind that your loved ones are financially protected should anything happen to you and/or the inconvenience caused to you will be properly compensated. You can get this card through a balance transfer option of 0% per annum for a period of 6 months with a minimum transfer amount of RM5,000 from your existing credit card.

Fees and Charges

  • For the principal card, you will need to pay an annual fee of RM159 while for the supplementary card, there is an annual fee of RM106. This card comes with 3 types of finance charges: 15% per annum when you make a consistent minimum monthly repayment for 12 consecutive months, 17% per annum when you missed 1 or 2 monthly repayments in the last 12 months and 18% per annum if you missed more than 2 monthly repayments for the last 12 months. When you miss any monthly repayments, there will also be a late payment penalty of RM10 or 1% of the outstanding balance (up to RM100).

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

  • To apply for the principal card, you need to be at least 21 years old with a monthly income of at least RM2,000. For the supplementary card, you will only need to be at least 18 years old.
  • 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 Petron Visa Gold Credit Card and OCBC Gold Visa 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/

Fees & Charges

Flexibility Fee and Charges

  • Interest Rate
    15% p.a.
  • Annual Fee
    RM150.00

 

Redeem Rewards

Groceries

  • 0.7% cashback if total monthly spending is RM30,001 and above
  • 0.6% cashback if total monthly spending is between RM10,001 – RM30,000
  • 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

  • 0.7% cashback if total monthly spending is RM30,001 and above
  • 0.6% cashback if total monthly spending is between RM10,001 – RM30,000
  • 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

  • 0.7% cashback if total monthly spending is RM30,001 and above
  • 0.6% cashback if total monthly spending is between RM10,001 – RM30,000
  • 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

  • 0.7% cashback if total monthly spending is RM30,001 and above
  • 0.6% cashback if total monthly spending is between RM10,001 – RM30,000
  • 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

Dining

  • 0.7% cashback if total monthly spending is RM30,001 and above
  • 0.6% cashback if total monthly spending is between RM10,001 – RM30,000
  • 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

Borrow Privileges

Card Information

  • Min. Monthly Income
    RM2,000.00
  • Min. age for principal holder
    21
  • Min. age for supplementary holder
    18
  • Fee for supplementary holder
    RM100
  • 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 is not met

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