Public Bank Visa Signature Credit Card
Public Bank Visa Signature Credit Card
RM 6,667
Minimum monthly income
RM 0
Annual fee
Free for the first year and waived with minimum 12 swipes in the previous 12 months. Otherwise, RM388 for Principal Card and RM200 for Supplementary Card
15%
Interest rate p.a
0%
Balance transfer rate (fixed)
Special Offers
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Product details
Product details
Features
Good for
Cashback, Rewards/Offers & Travel
3% cashback for groceries, dining and online spending with a minimum RM100 per transaction, capped at RM30 monthly
10X Green Points for every RM1 spent on selected Green Category transactions
3X VIP Points for every RM1 spent on other overseas retail transactions
1X VIP Point for every RM1 spent on other local retail transactions
Both Green Points and VIP Points will expire in 3 years and are redeemable for air miles, vouchers, and other goods or services!
Track your carbon footprint on every card spending via the CO2 Tracker!
Complimentary 2X yearly access to Plaza Premium Lounges in Malaysia with a minimum accumulative retail transaction of RM1,000 within 30 days before or after each lounge access
Up to RM500,000 in travel insurance coverage
Protect your online purchases from possible losses with the E-commerce Purchase Protection Plan for up to USD 200 per claim
50% off on Will and Wasiat Writing Service fees
Eligibility
| Minimum monthly income | RM 6,667 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 0 | Free* |
| Annual fee waiver | Yes | Free for the first year and waived with minimum 12 swipes in the previous 12 months. Otherwise, RM388 for Principal Card and RM200 for Supplementary Card |
| Late payment fee | RM 10/1% | 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate | 15% | Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) | 0% | Zero interest with one-time upfront handling fees of 1%, 2.5%, 4.5%, 6.5% and 9.5% for 6-month, 12-month, 24-month, 36-month and 48-month repayment period respectively. Minimum transfer amount is RM1,000 |
| Annual fee |
RM 0 Free* |
| Annual fee waiver |
Yes Free for the first year and waived with minimum 12 swipes in the previous 12 months. Otherwise, RM388 for Principal Card and RM200 for Supplementary Card |
| Late payment fee |
RM 10/1% 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate |
15% Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) |
0% Zero interest with one-time upfront handling fees of 1%, 2.5%, 4.5%, 6.5% and 9.5% for 6-month, 12-month, 24-month, 36-month and 48-month repayment period respectively. Minimum transfer amount is RM1,000 |
Document required to apply
You will need to provide several documents such as (varies between different banks):
Employed:
- - Latest month's salary slip
- - Latest EA statement
- - EPF statement
- - Employment letter/confirmation letter
Variable income:
Latest 6 months of the following
- - Overtime as reflected on the Payslips
- - Commissions Statements
- - Fee Statements
Latest 3 years of the following
- - Dividend Statements
- - Interest Statements
Other income:
- - Tenancy Agreements
- - Pension Statements
- - Annuities Statements
Overseas income:
- - 3 Months Payslips
- - Latest 2 years Notice of Assessment/Form IR8A/Form IR8E (for Singapore only)
- - Salary Deposits Account (reflecting the latest minimum 3 months of salary crediting - for Brunei only)
- - Employment Letter
Self-employed:
- - Latest 1 year Tax Returns/Receipts
- - Latest 6 months company CASA statement (for company directors)
Note:
Any additional income documents may be required at the absolute discretion of the Bank.
Click here to read the Public Bank Visa Signature Credit Card Terms and Conditions.
Click here to read the Public Bank Visa Signature Credit Card Product Disclosure Sheet.
