Public Bank Visa Signature Credit Card

Min. annual incomeRM80,000RM6,666.67 / month equivalent

Principal annual feeRM388

Card networkVisaConventional card

View with bank ↗← All PUBLIC-BANK cards

Google PaySupported

2 shared visits per calendar yearPlaza Premium Lounge / listed dining outlets

BEFORE YOU FLY

Airport lounge access

Worldwide Plaza Premium

2 shared visits per calendar year

Plaza Premium Lounge / listed dining outlets

Use viaPresent the physical eligible card and matching boarding pass; no membership app required.

Qualifying spend & allocation: RM1,000 cumulative qualifying retail spend for each access, within 30 calendar days before and/or after the visit. Supplementary spend is aggregated; separate visits require sufficient total qualifying spend.
Principal / supplementary: Shared between principal and supplementary holders. Holding multiple eligible PB cards gives the highest quota only, not added quotas.
Guests: Guest admission is not free: 25% off prevailing walk-in fee where applicable; accompanying children under two are free.
Where it works: Only locations in the official worldwide participating list; excluded outlets do not qualify.

2026 programme through 31 December 2026. Infinite / World increased from three to five visits effective 1 April 2026. Unmet spend or exhausted quota is billed at walk-in rate less 25%, normally within 8–14 weeks.

Entry steps & validity

Eligible physical card + matching boarding pass, authenticated by lounge e-slip. Maximum two entries per day, up to three hours each.

Official participating lounge list ↗Official lounge programme ↗

Check the linked card-specific list and your remaining entitlement before travelling. A lounge network logo does not mean every lounge or guest is free; entry remains subject to capacity and local rules.

THE DETAILS

Benefit breakdown

Cashback and reward points

Cashback and reward points
Category	Earn	Limit
Dining MCC 5812 / 5813 / 5814 and online	2% cashback; at least RM100 per transaction	RM30 per monthly statement, combined principal / supplementary
Green-category transactions	10 Green Points per RM1	Eligible MCC list
Other overseas retail	3 VIP Points per RM1	Eligible non-cashback transactions
Other local retail	1 VIP Point per RM1	Eligible non-cashback transactions

Green / VIP Points expire after three years. A cashback-earning transaction does not additionally earn points.

Fees & charges

Principal annual fee: RM388
Supplementary annual fee: RM200
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.

Requirements

Minimum annual income: RM80,000
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.
Green category and CO₂ tracker: Eligible MCCs include EV charging, public transport, education, pharmacies, bicycles, gardening and selected sports / digital goods. CO₂ Tracker estimates footprint from card spending.
Redemptions: Green / VIP Points can be redeemed through the Preferred Redemption Rewards Catalogue for eligible air-mile options, vouchers and merchandise.
E-commerce purchase protection: Up to USD200 per claim per year for qualifying non-delivery, wrong / incomplete delivery or covered damage / malfunction, after the seller fails to resolve the claim. Network policy conditions differ by product.
Automatic travel accident insurance: Up to RM500,000 with qualifying full travel fare charged to the eligible card; inconvenience benefits have separate sublimits.

Product disclosure·Card terms·Terms apply

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