Public Bank Visa Gold
Public Bank Visa Gold
Earn unlimited Cash MegaBonus for every Ringgit swiped locally and overseas. Or convert your big-ticket item purchase into a flexible easy payment plan.
Eligibility
Minimum monthly income
RM 2,000 (RM 24,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Document required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest 3-6 months salary slip
- Latest EA statement
- Latest EPF statement
- Letter of Employment or employer confirmation
- Latest 1 year official tax receipt
- Latest 3 months bank statement
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for first year and waived when you make at least 12 swipes in the previous 12 months
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Benefits
- Unlimited 0.1% Cash MegaBonus is yours for every Ringgit spent on retail purchases locally and overseas. Getting cashback every month is easy as there is no limit to credit card usage!
Terms and Conditions
Product review by CompareHero
Lots of value is packed into this Visa Gold credit card by Public Bank.
Get unlimited Cash MegaBonus on all your retail transactions, 0% interest on all balance transfers and flexi instalment plans, and many exclusive deals and discounts at Public Bank's merchants.
Unlimited Cash MegaBonus with Public Bank Visa Gold
Swipe your Public Bank Visa Gold to earn an unlimited 0.1% Cash MegaBonus every month.
Cash MegaBonus is your gateway to enjoy considerable savings on your credit card expenses because it pays you back for every Ringgit spent.
While 0.1% may look less profitable, imagine the compounding effect of it on every Ringgit you have swiped.
What's more, there's no capping on the cashback amount you will get back. But remember, only retail transactions are qualified for this cashback.
Annual fee waiver for Public Bank Visa Gold
It is worth noting that the Public Bank Visa Gold credit card is free of charge in the first year.
This should encourage you to spend more and reap the benefits and privileges of being a Public Bank credit cardholder.
Plus, continue to have the annual fees waived by making at least 12 swipes in the previous 12 months!
0% Balance Transfer
Want to recover your sleepless nights and hair falls from worrying over credit card debts? Here's where Public Bank Balance Transfer comes to the rescue.
Public Bank Balance Transfer helps you ease your financial distress by offering a zero interest rate and low one-time upfront charges starting from 1.5% with repayment terms extended up to 48 months.
You can consolidate up to 4 credit cards and transfer them to your Public Bank credit card, subject to 80% of the total available credit limit.
The minimum transfer amount should be RM1.000, with repayment terms ranging from 6, 12, 24, 36 and 48 months.
Flexible Instalment Plans
Like what you see but can't afford the purchase? Opt for the Public Bank Flexipay Plan, which is a flexible credit card instalment plan for purchases made at non-participating merchants at a small fee.
But if you hurry, you can enjoy 0% p.a. interest on your EPP conversion amount—always check out Public Bank credit card promotions!