Public Bank Visa Business Card

Min. annual incomeBusiness assessment

Principal annual feeRM150

Card networkVisaConventional card

Google PaySupported

THE DETAILS

Benefit breakdown

Corporate cashback
Eligible spend	Rate
Overseas business transactions	0.8%
Local business transactions	0.3%

Uncapped. The product page includes petrol, insurance and government payments; personal-card reward exclusions must not be applied indiscriminately.

Principal annual fee: RM150
Supplementary annual fee: Not applicable to corporate account tariff.
Annual-fee waiver: First year waived; subsequent annual-fee waiver requires 12 transactions per card in the preceding 12 months.
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.

Principal age: At least 21 years
Application conditions: Private limited or listed company. At least two years of business operations and RM100,000 paid-up capital.

Income / company documents: Personal applications require identity and accepted income / employment evidence; company facilities require the issuer’s company application and supporting corporate documents.
Company controls: Cardholder / company identification on card, centralised expense monitoring and worldwide acceptance.
Travel insurance: Up to RM1 million annual travel insurance coverage under the linked policy.

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.