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    Public Bank Cashback Credit Cards

    Public Bank offers an array of credit cards to its customers in Malaysia. These cards offer special benefits and privileges in various categories such as shopping, dining, and petrol in the form of cashback and/or reward points.

    Let us find out more about the cashback credit cards offered by Public Bank (PB) and what benefits these cards provide to you.

    Types of Public Bank Credit Cards Offering Cashback

    PB Quantum Visa Credit Card

    Cashback Category Cashback Rate Monthly Spend Requirement Monthly Cap
    Online purchases 5% per month - RM30
    Dining 5% per month -

    • Get 1x VIP Points for other local retail purchases.
    • Get 2x VIP Points for all other overseas retail expenditures.
    • VIP Points expire in 3 months.
    • Enjoy contactless payment mode via Visa payWave technology.  

    PB Quantum Mastercard Credit Card

    Cashback Category Cashback Rate Monthly Spend Requirement Monthly Cap
    Entertainment 5% per month - RM30
    Departmental store 5% per month -

    • Get 1x VIP Points for all other local retail purchases.
    • Get 2x VIP Points for other overseas retail expenditures.
    • Validity of VIP Points is 3 months.
    • Enjoy contactless payment mode via Mastercard PayPass technology.
    • Enjoy exclusive E-commerce Purchase Protection of up to USD200 for your online purchases.

    Public Islamic Bank Mastercard Platinum Credit Card-i

    Cashback Category Cashback Rate/Hibah Performance Bonus Spend Requirement Monthly Cap
    Local retail purchases 0.2% - Unlimited
    Overseas retail purchases 0.2% -

    • Enjoy an annual fee waiver if you have swiped the card for 12 times in 12 preceding months.
    • Get 2x complimentary access to Plaza Premium Lounge in Malaysia.
    • This product is Shariah-compliant.
    • Enjoy complimentary travel insurance cover of upto RM500,000.
    • Obtain non-compounding monthly charges.
    • Use Mastercard PayPass technology to make your payments easily.
    • Get Platinum Help Desk assistance facility 24/7.
    • Open current account without an introducer at any Public Bank branch.

    Public Islamic Bank Visa Platinum Credit Card-i

    Cashback Category Hibah Performance Bonus Monthly Spend Requirement Monthly Cap
    Local retail purchases 0.2% - Unlimited
    Overseas retail purchases 0.2% -

    • This product is Shariah-compliant.
    • Get an annual fee waiver if you have swiped your card for 12 times over 12 preceding months.
    • Get 2x free access to Malaysia Plaza Premium Lounge.
    • Enjoy non-compounding monthly charges.
    • Get free travel insurance cover of up to RM500,000.
    • Make your payments conveniently with Visa payWave technology.
    • Open current account without an introducer at any Public Bank branch.

    Public Islamic Bank Mastercard Gold Credit Card-i

    Cashback Category Hibah Performance Bonus Monthly Spend Requirement Monthly Cap
    Local retail purchases 0.1% - Unlimited
    Overseas retail purchases 0.1% -

    • The product is Shariah-compliant.
    • Enjoy Mastercard PayPass, a contactless technology that helps you make payments quickly.
    • Get a 24/7 Help Desk facility.
    • Open a current account without any introducer.
    • Enjoy PBe online banking service from anywhere in the world.

    Public Islamic Bank Visa Gold Credit Card-i

    Cashback Category Hibah Performance Bonus Monthly Spend Requirement Monthly Cap
    Local retail purchases 0.1% - Unlimited
    Overseas retail purchases 0.1% -

    • This banking product is Shariah-compliant.
    • Enjoy Visa payWave technology, a contactless paying method that helps you make payments easily.
    • Enjoy a 24/7 Help Desk assistance facility.
    • You can open a current account without any introducer.
    • Access PBe online banking service from anywhere in the world.

    PB Visa Signature Credit Card

    Cashback Category Cashback Rate Monthly Spend Requirement Monthly Cap
    Grocery 6% per month - RM38
    Dining 6% per month -
    Online purchases 6% per month  

    • Earn 1 VIP Point on each RM1 spent on other retail purchases.
    • Redeem your earned VIP Points for air miles, gift vouchers, and other items from the bank’s Preferred Redemption Rewards Catalogue.
    • Enjoy 2x complimentary access to Plaza Premium Lounge in Malaysia.
    • Get travel insurance cover of up to RM500,000.
    • Access a Signature Help Desk assistance facility 24/7.
    • Enjoy Visa payWave facility to make quick payments.

    PB Gold Mastercard Credit Card

    Cashback Category Cashback Rate Monthly Spend Requirement Monthly Cap
    Local retail purchases 0.1% cash MegaBonus per month - Unlimited
         

    • Enjoy an annual fee waiver for the first year.
    • For subsequent years, 12 swipes over the preceding 12 months can earn you an annual fee waiver.
    • Get 24/7 Help Desk assistance.
    • Access banking services from across the world via PBe Service.

    PB Visa Gold Credit Card

    Cashback Category Cashback Rate Monthly Spend Requirement Monthly Cap
    Local retail purchases 0.1% Cash MegaBonus per month - Unlimited
    Overseas retail purchases 0.1% Cash MegaBonus per month -

    • Enjoy an annual fee waiver for the first year.
    • For subsequent years, 12 swipes over the preceding 12 months can earn you an annual fee waiver.
    • Get 24/7 Help Desk assistance.
    • Access banking services from across the world via PBe Service.

    PB-AIA Visa Gold Credit Card

    Cashback Category Cashback Rate Monthly Spend Requirement Cap
    AIA insurance premiums 2% cash rebate on every RM1 charged - RM350 p.a.
    Local retail purchases 0.1% per month - Unlimited
    Overseas retail purchases 0.1% per month -

    • Enjoy an annual fee waiver for the first year.
    • For subsequent years, if you have swiped the card for 12 times in 12 preceding months, you can get an annual fee waiver.
    • Get a 24/7 Help Desk assistance provision.
    • Open current account any any PB branch without any introducer.

    PB Visa Infinite Credit Card

    Cashback Category Cashback Rate Monthly Spend Requirement Monthly Cap
    Local retail purchases 0.3% per month - Unlimited
    Overseas retail purchases 0.3% per month -

    • Enjoy an annual fee waiver for the first year.
    • For subsequent years, if you have swiped the card for 12 times in 12 preceding months, you can get an annual fee waiver.
    • Get a 24/7 Help Desk assistance provision.
    • Open current account any any PB branch without any introducer.

    PB Visa Infinite Credit Card

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    Cashback Category Cashback Rate Monthly Spend Requirement Monthly Cap
    Local retail purchases 0.3% per month - Unlimited
    Overseas retail purchases 0.3% per month -

    • This credit card is free for life.
    • If you spend RM10,000 on overseas transaction in a year, you can earn 7,000 air miles.
    • The air miles you earn are valid for one year.
    • Enjoy 3x complimentary access to any Plaza Premium Lounge in Malaysia.
    • Get complimentary travel insurance cover of up to RM500,000.
    • Enjoy Visa payWave technology for quick payments.
    • Get Infinite Help Desk assistance 24/7.

    Mutual Gold-PB Visa Platinum Credit Card (by invitation only card)

    Cashback Category Cashback Rate Monthly Spend Requirement Monthly Cap
    Local retail purchases 0.2% Cash MegaBonus - Unlimited
    Overseas retail purchases 0.2% Cash MegaBonus -
    Birthday bonus 0.3% Mutual Gold Cash Bonus - RM100

    • This card is available exclusively by invitation for Mutual Gold and Mutual Gold Elite Members of Public Mutual.
    • The card is free for life if you have maintained your Mutual Gold or Mutual Gold Elite status with Public Mutual Berhad.
    • You can get additional Mutual Gold Cash Bonus of 0.3% on your birthday.
    • Get 2x access to Plaza Premium Lounge in Malaysia based on specific eligibility conditions.
    • Enjoy free travel insurance cover of up to RM500,000.
    • Get Platinum Help Desk assistance 24/7.

    PB-Petron Visa Gold Credit Card

    Cashback Category Cashback Rate Monthly Spend Requirement Monthly Cap<
    Petron Service Stations Up to 5% cash rebate - RM50
    Other retail services 0.1% Cash MegaBonus per month - Unlimited

    • Enjoy an annual fee waiver for life.
    • Earn cash rebate of up to 5% at Petron Service Stations.
    • Get 0.1% unlimited Cash MegaBonus for other local and overseas purchases.
    • Enjoy free personal accident insurance cover of up to RM20,000.
    • Obtain 24/7 assistance via Help Desk.

    PB Visa Platinum Credit Card

    Cashback Category Cashback Rate Monthly Spend Requirement Monthly Cap
    Local retail purchases 0.2% Cash MegaBonus per month - Unlimited
         

    • Enjoy an annual fee waiver for the first year.  For subsequent years, if you have swiped the credit card for 12 times over the preceding 12 months, you will get an annual fee waiver.
    • Enjoy free travel insurance cover of up to RM500,000.
    • Pay your bills quickly using Visa payWave technology.
    • Get assistance of the Platinum Help Desk for 24/7.
    • Use PBe Service to access your banking needs from anywhere in the world.
    • Open a current account without any introducer at any of the Public Bank branches.

    How Does Public Bank Cashback Work?

    For example,

    If you have made local retail purchases worth RM2,000 in a month and if the cashback rate is 0.2% without any cap, this is how you will earn the cashback:

    Total Monthly Spend  RM5,000
    Cap on Cashback (on retail purchases)  Unlimited
    Spend Category Spent Amount Cashback Rate Cashback Received
    Local retail purchases  RM2,000  0.2%  RM4

    If you are offered 5% cashback on your Public Bank Credit Card, with a cap of RM30 for each month, your earned cashback for online purchases worth RM750 will be counted as follows:

    Total Monthly Spend  RM6,000
    Cap on Cashback (on online purchases)  RM30
    Spend Category Spent Amount Cashback Rate Cashback Received
    Online purchases  RM750  5% RM30 (the calculated amount is RM37.5, however, the cashback is capped at RM30)

    If you have spent RM950 for fuel on Petron Service Stations in a month, with a cashback rate of 5%, your entitled cashback will be calculated as follows:

    Total Monthly Spend  RM5,600
    Cap on Cashback (at Petronas Service Stations)  RM50
    Spend Category Spent Amount Cashback Rate Cashback Received
    Fuel purchases at Petronas    RM950  5%  RM47.5

    If you have spent RM1,500 on your dining, and cashback for this category is of 6% with a cap of RM38 for each month on your card, your earned cashback will be:

    Total Monthly Spend  RM8,000
    Cap on Cashback (for dining)  RM38
    Spend Category Spent Amount Cashback Rate Cashback Received
    Dining related transactions    RM1,500  6%  RM38 (the calculated amount is RM90, however, the cashback is capped at RM38 for each month)

    If you are spending RM1,200 as insurance premium every year on your PB-AIA Visa Gold Credit Card, you will receive RM24 as cashback on your premium for the year. Let us see how:

    Total Monthly Spend  RM8,000
    Cap on Cashback  RM350 p.a.
    Spend Category Spent Amount Cashback Rate Cashback Received
    AIA insurance premiums     RM1,200 p.a.  2% cash rebate on every RM1 charged  RM24 p.a.

    Fees and Charges

    Type of Charges Fee
    Annual Fee
    • PB Quantum Visa Credit Card
    Free for life without any conditions
    • PB Quantum Mastercard Credit Card
    Free for life without any conditions
    • Public Islamic Bank Mastercard Platinum Credit Card-i
    Principal card: RM333 Supplementary card: RM150
    • Public Islamic Bank Visa Platinum Credit Card-i
    Principal card: RM333 Supplementary card: RM150
    • Public Islamic Bank Mastercard Gold Credit Card-i
    Principal card: RM150 Supplementary card: RM100
    • Public Islamic Bank Visa Gold Credit Card-i
    Principal card: RM150 Supplementary card: RM100
    • PB Visa Signature Credit Card
    Principal card: RM388 Supplementary card: RM200
    • PB Gold Mastercard Credit Card
    Principal card: RM150 Supplementary card: RM100
    • PB Visa Gold Credit Card
    Principal card: RM150 Supplementary card: RM100
    • PB-AIA Visa Gold Credit Card
    Principal card: RM150 Supplementary card: RM100
    • PB Visa Infinite Credit Card
    Principal card: Waived Supplementary card: Waived (RM250 will be charged second card onwards)
    • Mutual Gold-PB Visa Platinum Credit Card
    Waived for life as long as the Mutual Gold Elite or Mutual Gold status is maintained with Public Mutual Berhad
    • PB-Petron Visa Gold Credit Card
    Waived for life without condition
    • PB Visa Platinum Credit Card
    Principal card: RM333 Supplementary card: RM150
    Retail Interest Rate 15% to 18% p.a.
    Cash Withdrawal Fee The higher amount between 5% of funds withdrawn and RM20
    Cash Advance Interest Rate 18% p.a.
    Late Payment Fee The higher amount between RM10 or 1% of total outstanding balance, capped at RM100
    Minimum Monthly Payment The higher amount between 5% of outstanding balance and RM50

    Eligibility criteria

    Name of the Card Age Criteria Income Criteria
    PB Quantum Visa Credit Card Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) RM 36,000
    PB Quantum Mastercard Credit Card Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) RM 36,000
    Public Islamic Bank Mastercard Platinum Credit Card-i Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) RM 50,000
    Public Islamic Bank Visa Platinum Credit Card-i Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) RM 50,000
    Public Islamic Bank Mastercard Gold Credit Card-i Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) RM 24,000
    Public Islamic Bank Visa Gold Credit Card-i Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) RM 24,000
    PB Visa Signature Credit Card Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) RM 80,000
    PB Gold Mastercard Credit Card Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) RM 24,000
    PB Gold Visa Credit Card Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) RM 24,000
    PB-AIA Visa Gold Credit Card Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) RM 24,000
    PB Visa Infinite Credit Card Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) RM100,000
    Mutual Gold-PB Visa Platinum Credit Card Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) RM 50,000
    PB-Petron Visa Gold Credit Card Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) RM 24,000
    PB Visa Platinum Credit Card Minimum age: 21 years (for principal cardholder) Minimum age: 18 years (for supplementary cardholder) RM 50,000

    Documents Required

    Type Documents
    For salaried applicant (As per the bank’s requirement from the following)
    • Latest salary slip
    • Latest EA statement
    • EPF statement
    • Employment letter
    For self-employed applicant
    • Latest tax returns/receipts for one year
    • Latest CSA statements for the company 6 months)
    For variable income earner Latest 6 months’ documents for:
    • Overtime as reflected on the payslips
    • Commissions statements or vouchers
    • Fee statements vouchers
    Latest 3 years’ documents for:
    • Dividend statements or vouchers
    • Interest statements or vouchers
    For other income earner (As per the bank’s requirement from the following)
    • Tenancy agreements
    • Pension Statements or vouchers
    • Statements for annuities
    For overseas income earner
    • Salary slips for 3 months
    • Latest one year Notice of Assessment or Form IR8A or Form IR8E (for Singapore only)
    • Details of salary deposit account (reflecting the latest minimum 3 months of salary crediting - for Brunei only)
    • Letter of employment

    Applying for Public Bank Cashback Credit Card

    Mode Process
    Online Method
    • Visit the online credit card application page on Public Bank’s official website.
    • Choose the card of your choice and fill in all the necessary personal and financial details.
    • Read through the terms and conditions for card usage.
    • Click on the Submit button.
    Offline Method
    • Visit any of your nearest Public Bank branches and get the application form from a bank representative.
    • Attach all the necessary documents to the duly filled application form.
    • Send this mail to the PB Cards Services section situated in the bank’s head office.

    *(Mutual Gold- PB Visa Platinum Credit Card is available by invitation only.)

    If you are looking for a suitable cashback credit card, you can consider any of the cards that are mentioned above. Keep in mind to read through the fine print, compare all the cards’ features as well as benefits, and choose one that suits your lifestyle needs and spending habits.

    FAQs Public Bank Cashback Credit Card

    Q. Can I get more than 1 supplementary card?

    A. Yes, you are allowed to obtain more than one supplementary card on your Public Bank Credit Card.

    Q. What covers are available under the complimentary travel insurance policy?

    A. Your travel insurance policy will cover you for inconveniences like flight delay, luggage loss, luggage delay, trip cancellation, and missed connecting flight.

    Q. How many times can I get access for Plaza Premium Lounge in Malaysia?

    A. Depending on the type of credit card you have, you can get up to 3x complimentary Plaza Premium Lounge access in Malaysia.

    Q. Does Public Bank offer mobile banking service on its credit cards?

    A. Yes, you can access your banking services via PB Mobile Banking Services from across the globe. Contact the bank officials for enrolment or for any other queries.

    Q. Is there any interest-free period available on my retail purchases?

    A. You can get a 20-day interest-free period on all your retail transactions if you have settled the previous month’s dues on the card.

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