Public Bank Visa Platinum Credit Card

Min. annual incomeRM50,000RM4,166.67 / month equivalent

Principal annual feeRM333

Card networkVisaConventional card

Google PaySupported

THE DETAILS

Benefit breakdown

Cash MegaBonus
Eligible spend	Rate
Local / overseas retail	0.2%

Uncapped on eligible transactions.

Principal annual fee: RM333
Supplementary annual fee: RM150
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.

Minimum annual income: RM50,000
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

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.
Automatic travel accident insurance: Up to RM500,000 with qualifying full travel fare charged to the eligible card; inconvenience benefits have separate sublimits.

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