Visa · Conventional
PUBLIC-BANK · MALAYSIA
Public Bank Petron Visa Gold Credit Card
Min. annual incomeRM24,000RM2,000 / month equivalent
Principal annual feeRM0
Card networkVisaConventional card
Google PaySupported
THE DETAILS
Benefit breakdown
Petron cashback
| Monthly Petron retail spend | Rate |
|---|---|
| Up to RM100 | 0.5% |
| Above RM100–RM200 | 1% |
| Above RM200–RM500 | 2% |
| Above RM500–RM800 | 3% |
| Above RM800 | 5% |
RM50 cap per monthly statement across principal / supplementary cards. Fuel and non-fuel purchases must be processed through Public Bank-acquired Petron terminals.
Other retail cashback
| Eligible category | Rate |
|---|---|
| Other local / overseas retail | 0.1% uncapped |
Fees & charges
- Principal annual fee
- RM0
- Supplementary annual fee
- RM0
- Annual-fee waiver
- No annual fee for life for principal and supplementary cards; no spending condition.
- Retail interest / effective profit rate
- 15% / 17% / 18% p.a. based on prompt-payment history.
- Cash advance interest / profit
- 18% p.a., calculated daily.
- Cash advance / withdrawal fee
- Local RM4.90 + 0.39%; overseas RM5.10 + 0.65% of amount.
- Minimum monthly payment
- 5% current balance plus full monthly instalments and amount over credit limit, or RM50, whichever is higher.
- Late payment
- Higher of RM10 or 1% relevant outstanding balance; maximum RM100.
- Foreign currency conversion
- Network conversion rate using USD as base plus 1.25% foreign-exchange spread.
- Retail grace period
- 20 days from statement date only when the previous statement is fully settled; excludes cash advances and credit plans.
- Service tax
- RM25 per principal / supplementary card each year; distinct from annual fee.
Requirements
- Minimum annual income
- RM24,000
- Principal age
- At least 21 years
- Application conditions
- Published general income threshold; bank credit assessment and supporting documents apply.
- Supplementary age
- At least 18 years
Product features
- Reward exclusions
- General exclusions include e-wallet reloads, petrol, insurance / takaful, recurring payments, cash / quasi cash, government / charity payments, UTAR / TARC campus payments, Direct Debit and bank / ATM payments. Product-specific Petron fuel and AIA premium benefits override the relevant general category exclusions.
- Income / company documents
- Personal applications require identity and accepted income / employment evidence; company facilities require the issuer’s company application and supporting corporate documents.
- Personal accident insurance
- Up to RM20,000 personal accident insurance; separate policy conditions apply.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.