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Public Bank Visa Signature Credit Card

Public Bank Visa Signature Credit Card

 

  • Annual Fee: Waived with minimum 12 swipes per annum
  • Up to RM500,000 travel insurance coverage
  • Earn unlimited cash MegaBonus or VIP point for all retail transaction
  • Travel Cashback: 3X complimentary access to any Malaysia Plaza Premium Lounge in a calendar year
  • 6% Cash Back on Grocery, Dining and Online Transaction, 1 VIP point for other transaction
Minimum Monthly Income
Minimum Monthly Income

RM 7

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

0% for 6 months

Annual Fee
Annual Fee

RM 388.00

Credit Card's Promotion

CARD BENEFITS CASH BACK CREDIT CARD BENEFITS
Cashback

Cash Back

  • 6% Cash Back on Grocery, Dining and Online Transaction, capped at RM38 per monthly cycle
Rewards

VIP Points

  • 1 VIP Point for every RM1 spend on other retail transactions
Balance Transfer
Tenure (Month) 6 6 12

 24

36
Minimum Balance Transfer Amount (RM) 500 - 1,999.99 2,000 and above 1,000 3,000 6,000
One Time Upfront Fee 1.5% 0% 3% 5% 7%

 

Travel

Complimentary Access to Malaysia Plaza Premium Lounge Access

  • 2X complimentary access to any Malaysia Plaza Premium Lounge.

 

Free Automatic Travel Insurance

  • Up to RM500,000 travel insurance coverage.
Low Interest
Tiering Interest Rate (per month) Interest Rate (per annum) Duration
Tier 1

1.25%

15%

With prompt minimum repayment for 12 months within 12 consecutive months

Tier 2

1.42% 17% With prompt minimum repayment for 10 months and more within the last 12 consecutive months
Tier 3 1.50% 18% Credit cardholders who do not meet the above criteria.

 

FEES & CHARGES
Annual fee RM 388.00
Annual fee condition Waived for first year, subsequent years waived with minimum 12 swipes p.a.
Annual fee for suplementary card RM 200.00
Minimum monthly payment 5% of the outstanding balance as at statement date or a minimum of RM50, whichever is higher.
Late payment interest Minimum RM10 or 1% of the total outstanding balance as at statement date, whichever is higher subject to a maximum of RM100
Finance charge interest rate per month 1.25%
Finance charge interest rate per year 15%
Cash withdrawal 5% of cash advance amount or minimum RM20, whichever higher
Cash withdrawal interest rate 18% p.a. daily interest from the total cash advance amount
Balance transfer interest rate 0% for 6 months
Balance transfer max valid duration Up to 36 months
Balance transfer lock in period Up to 24 months
Balance transfer early settlement penalty RM100.00

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