Public Bank Petron Visa Gold
Fuel up for less with the Public Bank-Petron Visa Gold Credit Card
Eligibility
Minimum Monthly Income
RM 2,000 (RM 24,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Documents required to apply:
You will need to provide several documents such as (varies between different banks):
Salaried Employees (Malaysian)
- A copy of your IC (both sides)
- Latest month's salary slip
- Latest EA statement
- Latest EPF statement
- Letter of Employment or employer confirmation
Self-Employed (Malaysian)
- A copy of your IC (both sides)
- Latest 1-year Tax Returns/Receipts
- Latest 6 months company CASA statement (for company directors)
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for life without condition
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Good for Cashback & No Annual Payments
5% Cashback for >RM800 monthly on Petron (fuel and non-fuel) spending, capped at RM50 monthly 3% Cashback for >RM500 to RM800 monthly on Petron (fuel and non-fuel) spending, capped at RM50 monthly 2% Cashback for >RM200 to RM500 monthly on Petron (fuel and non-fuel) spending, capped at RM50 monthly 1% Cashback for >RM100 to RM200 monthly on Petron (fuel and non-fuel) spending, capped at RM50 monthly 0.5% for less than RM100 monthly on Petron (fuel and non-fuel) spending, capped at RM50 monthly 0.1% unlimited Cash MegaBonus on other local and overseas retail purchases
Complimentary up to RM20,000 in Personal Accident Insurance
Terms and Conditions
Product review by CompareHero
What Is the Public Bank Petron Visa Gold Credit Card?
The Public Bank Petron Visa Gold Credit Card is a petrol credit card designed for drivers who regularly refuel at Petron service stations. With a minimum annual income requirement of RM24,000, the card offers up to 5% Cash Rebate on eligible fuel and non-fuel purchases at Petron service stations, 0.1% unlimited Cash MegaBonus on other eligible retail purchases, complimentary Personal Accident Insurance, and a lifetime annual fee waiver with no spending conditions.
Benefits of the Public Bank Petron Visa Gold Credit Card
- Annual fee waived for life with no spending requirement.
- Earn up to 5% Cash Rebate on eligible fuel and non-fuel purchases at Petron service stations.
- Earn 0.1% unlimited Cash MegaBonus on other eligible local and overseas retail purchases.
- Enjoy complimentary Personal Accident Insurance with coverage of up to RM20,000.
- Manage your card through PBe online banking.
Petron Cash Rebate and Cash MegaBonus
The Public Bank Petron Visa Gold Credit Card rewards eligible spending at Petron service stations while also earning Cash MegaBonus on your everyday purchases.
Cash Rebate at Petron
Earn up to 5% Cash Rebate on eligible fuel and non-fuel purchases made at Petron service stations. Your Cash Rebate rate depends on your total monthly retail purchases at Petron service stations.
| Total Monthly Retail Purchases at Petron Service Stations | Cash Rebate |
|---|---|
| RM100 and below | 0.5% |
| Above RM100 to RM200 | 1% |
| Above RM200 to RM500 | 2% |
| Above RM500 to RM800 | 3% |
| Above RM800 | 5% |
Cash Rebate is capped at RM50 per monthly statement cycle, with the monthly cap shared between the principal and supplementary cards. The rebate applies only to transactions performed at payment terminals acquired by Public Bank at Petron service stations.
Cash MegaBonus
Earn 0.1% unlimited Cash MegaBonus on eligible local and overseas retail purchases. Cash MegaBonus is accumulated from qualifying spending and can be redeemed through Public Bank's Cash MegaBonus programme. Selected transactions are excluded under Public Bank's prevailing terms and conditions.
Insurance and Digital Banking
The Public Bank Petron Visa Gold Credit Card includes complimentary Personal Accident Insurance with coverage of up to RM20,000.
You can also manage your card through PBe online banking, allowing you to access your account and banking services wherever you are.
Fees and Charges
The Public Bank Petron Visa Gold Credit Card comes with a lifetime annual fee waiver, with no spending requirement or annual fee waiver conditions.
- Annual fee: Waived for life.
- Government Service Tax: RM25 per card upon activation and every anniversary thereafter.
- Cash advance fee: 5% of the amount withdrawn or RM20, whichever is higher.
- Cash advance interest: 18% p.a., calculated from the transaction date until full repayment.
- Late payment charge: 1% of the outstanding balance, subject to a minimum of RM10 and a maximum of RM100.
- Minimum monthly payment: RM50 or 5% of the outstanding balance, whichever is higher.
Retail purchases are subject to Bank Negara Malaysia's tiered finance charges of 15% p.a., 17% p.a. or 18% p.a., depending on your repayment history.
Eligibility Requirements
To apply for the Public Bank Petron Visa Gold Credit Card, you must:
- Be 21 years old and above for a principal cardholder.
- Be 18 years old and above for a supplementary cardholder.
- Earn a minimum annual income of RM24,000.
Required Documents
Prepare the following documents when applying for the Public Bank Petron Visa Gold Credit Card.
Identification documents
- MyKad, MyTentera, MyPR, MyKas or Police ID (front and back), where applicable.
- Passport (for passport holders).
Income documents(submit one, where applicable)
- Latest one month's salary slip.
- Latest EA Statement.
- Latest EPF Statement.
- Employment Letter or Employer Confirmation.
- Latest one year's Income Tax Return and Tax Receipt.
- Latest six months' Company CASA Statement (for company directors).
Additional documents
- Valid Work Permit (for passport holders).
Public Bank may request additional supporting documents depending on your application.
How to Apply
Compare the Public Bank Petron Visa Gold Credit Card with other credit cards on CompareHero and apply online in just a few steps. Eligible applicants may also enjoy exclusive sign-up offers, subject to the campaign's terms and conditions.