Public Bank Visa Signature
Rewards with a green twist on the Public Bank Visa Signature Credit Card
Eligibility
Minimum Monthly Income
RM 6,667 (RM 80,000 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 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 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Good for Cashback, Rewards/Offers & Travel
2% cashback for 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!
2X complimentary annual access to participating Plaza Premium Lounges worldwide with minimum accumulative retail transaction of RM1,000 within 30 days before or after each lounge access Up to RM500,000 in travel insurance coverage
Track your carbon footprint on every card spending via the CO2 Tracker! 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
Terms and Conditions
Product review by CompareHero
What Is the Public Bank Visa Signature Credit Card?
The Public Bank Visa Signature Credit Card is a premium rewards credit card for higher-income individuals who want to earn cashback and reward points on everyday spending while enjoying travel and lifestyle privileges. With a minimum annual income requirement of RM80,000, the card offers 2% Cash Back on eligible dining and online transactions, Green Points and VIP Points on qualifying purchases, as well as complimentary Plaza Premium Lounge access, automatic travel insurance and Visa Concierge.
Benefits of the Public Bank Visa Signature Credit Card
- Earn 2% Cash Back on eligible dining and online transactions.
- Earn 10 Green Points for every RM1 spent on Green Category transactions.
- Earn 3 VIP Points for every RM1 spent on eligible overseas retail transactions and 1 VIP Point for every RM1 spent on other eligible retail transactions.
- Enjoy 2 complimentary visits to participating Plaza Premium Lounges worldwide each year when you meet the spending requirement.
- Receive complimentary automatic travel insurance with coverage of up to RM500,000.
- Protect eligible online purchases with e-Commerce Purchase Protection.
- Access Visa Concierge, a 24/7 personal assistance service for travel and lifestyle requests.
- Manage your card through PBe online banking.
- Enjoy 35% off Will and Wasiat Writing Service fees through PB Trustee Services Berhad.
Cash Back and Rewards
The Public Bank Visa Signature Credit Card rewards eligible spending with a combination of Cash Back, Green Points and VIP Points.
Cash Back
Earn 2% Cash Back on eligible dining (MCC 5812, 5813 and 5814) and online transactions with a minimum spend of RM100 per transaction. Cash Back is capped at RM30 per monthly statement cycle, with the monthly cap shared between the principal and supplementary cards.
Green Points
Earn 10 Green Points for every RM1 spent on Green Category transactions. Green Points are valid for three years and can be redeemed for Air Miles, gift vouchers and products through the Public Bank Preferred Redemption Rewards Catalogue.
The card also includes CO2 Tracker, which provides an overview of the estimated carbon footprint generated from your card spending, helping you better understand your environmental impact.
VIP Points
Earn 3 VIP Points for every RM1 spent on eligible overseas retail transactions and 1 VIP Point for every RM1 spent on other eligible retail transactions. VIP Points are valid for three years and can be redeemed for Air Miles, gift vouchers and products through the Public Bank Preferred Redemption Rewards Catalogue.
Selected transactions are excluded from earning Cash Back, Green Points and VIP Points under Public Bank's prevailing terms and conditions.
Travel and Lifestyle Benefits
The Public Bank Visa Signature Credit Card includes a range of travel and lifestyle privileges.
- Plaza Premium Lounge access: Enjoy 2 complimentary visits to participating Plaza Premium Lounges worldwide when you accumulate at least RM1,000 in retail transactions within 30 calendar days before and/or after each lounge visit.
- Complimentary automatic travel insurance: Receive travel insurance coverage of up to RM500,000, subject to the applicable policy terms and conditions.
- e-Commerce Purchase Protection: Eligible online purchases are covered for up to USD200 per claim per annum against non-delivery after 30 days of the scheduled delivery date, incorrect or incomplete delivery, and improper functioning of the delivered item, subject to the programme's terms and conditions.
- Visa Concierge: Access a 24/7 personal assistance service for travel, dining, entertainment and lifestyle requests.
Digital Banking and Additional Privileges
Manage your Public Bank Visa Signature Credit Card through PB online banking, allowing you to access banking services wherever you are. Cardholders also enjoy 35% off Will and Wasiat Writing Service fees through PB Trustee Services Berhad.
Fees and Charges
The Public Bank Visa Signature Credit Card waives the principal annual fee for the first year. From the second year onwards, the annual fee is waived when you make at least 12 retail swipes during the preceding 12 months.
- Annual fee (principal): RM388 per year.
- Annual fee (supplementary): RM200 per year.
- 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 Visa Signature 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 RM80,000.
Required Documents
Prepare the following documents when applying for the Public Bank Visa Signature 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 Visa Signature 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.