Grab a credit card that gives you better rewards & more!
  • loading

    We found 3 Public Bank Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    0
    What you get
    What you need
    What you'll love
    What you need to consider
    What it costs
    0
    What you get
    What you need
    What you'll love
    What you need to consider
    What it costs
    0
    What you get
    What you need
    What you'll love
    What you need to consider
    What it costs
    Loading your search...
    Close

    Compare, check your eligibility and apply for credit cards online.

  • Credit Card BYTES FROM OUR KITCHEN

    Public Bank Credit Card

    Public Bank offers a number of credit cards with a host of benefits and privileges. Each card comes with its own set of features and benefits. You can earn cashback and reward points with Public Bank cards.

    Quick Links

    Features and Benefits

    • Get 24-hour assistance with the World Help Desk offered by the bank.
    • Pay on-the-go with the contactless payment technology via Mastercard PayPass and Visa payWave.
    • Earn VIP Points on the amount you spend on retail transactions in Malaysia and abroad.
    • Some of the cards offer cashback on the money you spend on selected categories.
    • Get a repayment tenure of up to 12 months at 0% interest with the PB Flexi-Payment Plan.
    • Some of the cards allow you to open a current account with the bank without an introducer.
    • Access the banking products and services with the comfort of your home with PBe Service.
    • Secure your travel with a complimentary automatic travel insurance policy.
    • Get complimentary access to Plaza Premium Lounges.

    Public Bank Credit Cards – An Overview

    Card Name Ideal For Key Benefit Annual Fee Annual Income
    PB Quantum Mastercard Credit Card Online and dining transactions. 5% cashback on online and dining transactions. Waived. RM36,000
    PB Quantum Visa Credit Card Entertainment and departmental store transactions. 5% cashback on entertainment and departmental store-related transactions. Waived. RM36,000
    PB World Mastercard Credit Card Air mile redemption. 3x Air Miles on every RM1 spent overseas. Waived. RM100,000.
    PB Visa Signature Credit Card Grocery, dining, and online transactions. 6% cashback on grocery, dining, and online transactions. RM388. RM80,000.
    PB Platinum Mastercard Credit Card Retail Transactions. 1 VIP Point on every RM1 spent on retail transactions. RM333.Waived for the first year. RM50,000.
    PB Gold Mastercard Credit Card Local and overseas retail purchases. 0.1% Cash MegaBonus. RM150. Waived for the first year. RM24,000.
    PB Mastercard Standard Credit Card Cash advance. Preferential rates on cash advance transactions at PB ATM and branches. NA NA
    PB-AIA Visa Gold Credit Card Insurance premium payment. 2% cash rebate on AIA insurance premium payment. RM150. Waived for the first year. -
    PB Visa Infinite Credit Card Air Mile redemption. RM10,000 overseas spend will fetch you 7,000 Air Miles. Waived. RM100,000.
    Mutual Gold-PB Visa Platinum Credit Card Retail purchases. 0.2% Cash MegaBonus on local and overseas retail purchases. Additional 0.3% Mutual Gold Cash Bonus on your birthday. Waived until you own the Mutual Gold or Mutual Gold Elite status. NA
    PB-Petron Visa Gold Credit Card Petron transactions. Up to 5% cash rebate at Petron Service Stations. Waived. NA
    PB Visa Platinum Credit Card Local and overseas retail purchases. 0.2% Cash MegaBonus. RM333. RM50,000.
    PB Visa Gold Credit Card Local and overseas retail purchases. 0.1% Cash MegaBonus. RM150. RM24,000.
    PB Visa Classic Credit Card Cash Advance. A preferential fee of 5% on cash advance transactions at Public Bank ATM and branches. RM75. NA

    Best Public Bank Credit Cards

    PB Visa Signature Credit Card: Best for Cashback

    • Get 6% cashback when you spend on grocery, dining, and online transactions.
    • The card also provides 1 VIP Point for every RM1 you spend on other retail transactions.
    • Enjoy 2x complimentary access to Malaysia Plaza Premium Lounge.
    • Get a complimentary travel insurance coverage of up to RM500,000.
    • Use the Visa payWave to make your payments fast and convenient.
    • Make use of the Signature Help Desk to get solutions for your queries round-the-clock.
    • Open a current account with Public Bank without an introducer.
    • Get the privilege of accessing banking services through the PBe platform.

    PB Quantum Mastercard Credit Card: Best for Rewards

    • Earn 1x VIP Point on local retail spends other than online and dining transactions.
    • Earn 2x VIP Points on overseas retail transactions.
    • Receive a cashback of 5% on online and dining transactions.
    • Get an exclusive Flexi-Payment Plan with the card at 0% interest rate.
    • Use the card with the contactless technology, Mastercard PayPass, to make fast and easy payments.

    PB World Mastercard Credit Card: Best for Travel

    • Get annual fee waiver on the principal and supplementary cards for a lifetime.
    • Earn 3x Air Miles on overseas transactions.
    • Earn 1x Air Miles on local transactions.
    • Redeem 1,000 Enrich Miles/2,000 AirAsia BIG Points with 6,000 Air Miles.
    • Get 3x complimentary access to Malaysia Plaza Premium Lounge.
    • Travel in peace with the complimentary automatic travel insurance with a coverage of up to RM500,000.

    PB Petron Visa Gold Credit Card: Best for Petrol

    • Earn cash rebates on the total amount spent at a Petron Service Station.
    • Cash rebates are given on both fuel and non-fuel transactions and its percentage is determined based on the monthly purchase amount and can range from 0.5% up to 5%.
    • The cash rebate is capped at RM50 per month.
    • Get unlimited Cash MegaBonus of 0.1% on other retail transactions done in Malaysia and overseas.
    • Get a complimentary personal accident insurance of up to RM20,000 with the card.

    Rewards Programme

    • The bank refreshes the rewards redemption programme every year.
    • Preferred Redemption Programme: You can accumulate the VIP Points based on the amount you have spent and then, redeem the accumulated points for items available on the catalogue. You can choose the redemption item from a wide range of categories, such as gadgets, home appliances, home décor, kitchen essentials, travel-related accessories, beauty & wellness products, and kids’ products. Also, the points can be redeemed for gift vouchers, annual fee, and Enrich Miles.
    • E-Voucher Redemption on PBBe Mall: Make online bargains and redeem e-Vouchers so you can shop for the item of your choice available on PBBe Mall.

    Public Bank Credit Card Promotions

    • Get a discount of 15% when you purchase at Flower Chimp. Use the promo code PUBLIC15 when you checkout your order to get the discount. The promotion is valid for new and existing users and is available only for the first 500 orders. You can redeem the offer just once. The promotion is available until 15 October 2018.
    • Enjoy 15% discount on room rates at UCSI Hotel Kuching. Also, you can save 15% on food and beverages’ bills at the participating outlets, such as The Quad, Hatton Restaurant, Aromas Coffee, Pool Bar, and Sky Lounge. The promotion began on 9 July 2018 and is valid until 31 July 2019. The discount on room rates is not applicable to online and group booking of more than 10 rooms. You will not get the discount on cigar, cigarette, and alcoholic drinks.
    • Save 15% on a la carte food orders at October Steamboat. The promotion is valid on the selected menu only and is available until 31 December 2018. You can get the discount on dine-in orders only. Pay with your PB credit/debit card to get the benefits of the promotion.

    Payment Plans

    PB Flexipay Plan

    You can convert your retail purchases into the PB Flexipay plan to get a longer repayment tenure of up to 36 months. The minimum purchase amount that qualifies your purchase for the plan is RM500. Just pay a one-time upfront interest rate to enjoy the plan. The interest rate ranges from 1.5% to 7% and varies based on the purchase amount and repayment tenure.

    Refer to the table below to know more about the scheme:

    Minimum Purchase Amount Repayment Tenure One-time Upfront Interest Rate
    RM500 6 months 1.5%
    RM2,000 9 months 2%
    RM1,000 12 months 3%
    RM2,000 24 months 5%
    RM3,000 36 months 7%

    Flexi-Payment Plan

    The Flex-Payment Plan is exclusively available with a PB Quantum Mastercard/Visa Credit Card. You can convert your retail purchases into a monthly instalment plan with a repayment tenure of up to 12 months. Enjoy 0% interest rates when your purchase amount is a minimum of RM1,200.

    Follow the hassle-free procedure of calling on the number 03-2176 8000 or sending an email to custsvc@publicbank.com.my in order to subscribe for the plan.

    E-Standing Instruction (E-SI)

    An E-SI scheme automates the transfer of a specified amount from your savings/current account to the destined account number. You can use the facility for a one-time payment or for recurring payments with weekly, monthly, quarterly, half-yearly, and yearly intervals. With the facility, you will not miss out on payments and you can save the late payment fees.  

    Balance Transfer Plan

    Consolidate all your credit card debts from other banks and transfer them to your Public Bank credit card. You don’t have to pay a processing fee to carry out the balance transfer. The minimum outstanding balance that can be transferred under the scheme is RM500.

    You can get a repayment period of up to 36 months. A one-time upfront interest rate must be paid to get the benefits of the scheme and it starts at 1.5%. Refer to the table below to know more about the available repayment tenures and their respective upfront interest rates:

    Repayment Tenure Minimum Transfer Amount One-time Upfront Interest Rate
    6 months RM500-RM1,999.99 1.5%
    12 months RM1,000 3%
    24 months RM3,000 5%
    36 months RM6,000 7%

    Insurance Plans

    • PB Credit Sure Plan: This is a non-participating credit insurance that covers the outstanding balance in case of death, temporary/permanent disability, and critical illnesses. You will be covered until you reach an age of 65 years. The policy can be renewed every year. You may have to pay a premium of RM6.50 per RM1,000 of the aggregate outstanding balance as on the card statement date. An insurance coverage of up to RM100,000 is available for Classic and Gold cardholders and up to RM300,000 for Platinum cardholders.
    • Travel Insurance: Get a complimentary automatic travel insurance cover of up to RM500,000 when you charge the entire airfare to your card. Also, you can get travel inconvenience cover with the policy. The coverage is available with selected cards only.
    • Personal Accident Insurance: PB-Petron Visa Gold Credit Card comes with a complimentary personal accident insurance coverage of up to RM20,000.

    Eligibility Criteria

    Age Criteria:

    • Minimum Age Requirement (Principal Cardholder): 21 Years
    • Minimum Age Requirement (Supplementary Cardholder): 18 Years

    Minimum Annual Income Requirement:

    Cards Income Required
    PB Mastercard/Visa Gold Credit Card RM24,000
    PB Mastercard/Visa Platinum Credit Card RM50,000
    PB Visa Signature Credit Card RM80,000
    PB Quantum Mastercard/Visa Credit Card RM36,000
    PB Visa Infinite Credit Card RM100,000
    PB World Mastercard Credit Card RM100,000

    Documents Required

    Employed Individuals:

    • Latest payslip.
    • Latest EA statement.
    • EPF statement.
    • Employment letter/confirmation letter from employer.

    Self-employed Individuals:

    • Latest year’s tax returns/tax receipts.
    • Latest 6 months’ company account statement (in case of company directors).

    Variable-income Earners:

    • Latest 6 months’ overtime as reflected in payslips.
    • Latest 6 months’ commission statements.
    • Latest 6 months’ fee statements.
    • Latest 3 years’ dividend statement/interest statement.

    Other Income Documents:

    • Tenancy Agreement.
    • Pension statement.
    • Annuities statement.

    Overseas Income:

    • 3 months’ payslips.
    • Latest Notice of Assessment/Form IR8A/Form IR8E.
    • Salary deposit account.
    • Employment letter.

    Fees and Charges

    Types of Fees Charges
    Annual Fee (Principal Card) PB Visa Infinite Credit Card—Waived.
    PB World Mastercard Credit Card—Waived.
    PB Visa Signature Credit Card—RM388.
    PB Quantum Visa/Mastercard—Waived.
    PB Visa Platinum/PB Platinum Mastercard Credit Card—RM333.
    Mutual Gold-PB Visa Platinum Credit Card—Waived until you have the Mutual Gold or Mutual Gold Elite status.
    PB Visa Gold/PB Gold Mastercard Credit Card—RM150.
    PB-Petron Visa Gold Credit Card—Waived.
    PB-AIA Visa Gold Credit Card—RM150.
    PB Visa Classic/Standard Mastercard Credit Card—RM75.
    Annual Fee (Supplementary Card) PB Visa Infinite Credit Card—Waived.
    PB World Mastercard Credit Card—Waived.
    PB Visa Signature Credit Card—RM200.
    PB Quantum Visa/Mastercard—Waived.
    PB Visa Platinum/PB Platinum Mastercard Credit Card—RM150.
    Mutual Gold-PB Visa Platinum Credit Card—Waived as long as you maintain the Mutual Gold or Mutual Gold Elite status.
    PB Visa Gold/PB Gold Mastercard Credit Card—RM100.
    PB-Petron Visa Gold Credit Card—Waived.
    PB-AIA Visa Gold Credit Card—RM100.
    PB Visa Classic/Standard Mastercard Credit Card—RM45.
    Finance Charges 15% p.a.-18% p.a.
    Cash Advance Interest Rate 18% p.a. calculated on a daily basis.
    Cash Advance Fee Public Bank ATM/Branch—5% of the cash advance amount or a minimum of RM20, whichever is higher. Affiliated Banks and Financial Institutions—5% of the cash advance amount or a minimum of RM20, whichever is higher.
    Late Payment Charge 1% of the total outstanding balance or a minimum of RM10, whichever is higher.
    Minimum Monthly Payment 5% of the outstanding balance or a minimum of RM50, whichever is higher.

    Activating/Cancelling a Credit Card

    • Activate your credit card by determining your PIN.
    • You can cancel your existing credit card via PBe platform. Just log into your account and select “Cancel ATM Card” under the “Profile Maintenance” option to cancel the card.

    Credit Card Statements

    • Request the bank for a hard copy of your card statement. The bank will send the statement to your mailing address.
    • Sign-up for the e-Statements by logging in to the bank’s official website. You can then get the e-Statements for free every month via email. They are also available on the bank’s website on the statement date every month. e-Statements will be available for your reference for a period of 150 days from the statement date.
    • In case of non-receipt or errors in the credit card statement, you have to report it to the bank within 21 days from the statement date.
    • If you need additional card statements, you can request the bank and pay a fee of RM5 per statement.

    Security Features

    e-Commerce Purchase Protection

    • Get e-Commerce Purchase Protection when you make online purchases with the PB Quantum Mastercard/Visa Credit Card.
    • The coverage available with the feature is up to USD200.
    • The facility covers incomplete delivery, wrong item delivery, non-functioning/physically damaged item, and non-delivery of the ordered item after 30 days of scheduled delivery.

    Pin & Pay

    The bank further strengthens the security of your card with the PIN & Pay feature. The feature includes the process of entering your 6-digit PIN while making any transaction with your card in order to authorise it. You don’t have to provide your signature to authorise transactions.

    Lost Card Liability

    • If you lose your credit card, report it immediately to the bank.
    • Call up the number 03-2176 8555 to get immediate assistance in dealing with the loss of your Visa/Mastercard credit card.
    • You can also visit the nearest branch to report the loss of your card.
    • The bank staff will block your card so the card is not used by a third-party.
    • You can get a replacement for your existing card to enjoy uninterrupted service.

    Frequently Asked Question’s

    Q. Are there things that are not covered under the e-Commerce Purchase Protection feature?

    A. Yes. A few things, such as animals, plants, counterfeit goods, and items made of precious metals/stones, are not covered under the e-Commerce Purchase Protection feature.

    Q. Can I get a waiver on annual fees from the second year onwards?

    A. Yes. You can get a waiver on annual fees from the second year onwards on a few cards. You have to make a minimum of 12 swipes during a year to get the waiver.

    Q. Do air miles come with an expiry?

    A. Yes. The air miles you earn with PB Visa Infinite Credit Card is valid for a year, while the air miles you earn with PB World Mastercard Credit Card is valid for 3 years.

    Q. Should I pay a joining fee to sign-up for a PB credit card?

    A. No. You don’t have to pay a joining fee to sign-up for any PB credit card.

    Q. Do VIP Points come with a validity period?

    A. Yes. The accumulated VIP Points are valid for a period of 3 years.

    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.