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Public Bank Kad Visa Klasik

Nikmati 0.6% pulangan tunai untuk semua perbelanjaan runcit serta Insurans Perjalanan Automatik PERCUMA dengan perlindungan sehingga RM350,000!

  • icon Gaji Minimum Bulanan
    Gaji Minimum Bulanan
    RM 2,000
  • icon Kadar Faedah
    Kadar Faedah
    15% p.a.
  • icon Pulangan Tunai
    Pulangan Tunai
    -
  • icon Yuran Tahunan
    Yuran Tahunan
    RM 75

Ciri Utama

  • Up to 0.6% cashback on all retail spending
  • FREE Automatic Travel Insurance of RM350,000
  • 0.6% cashback if total monthly spending is RM10,001 and above
Shopping
4.4/10
Petrol
5.33/10
Groceries
4.4/10
Dining
4.4/10

  • icon petrol Petrol

    • 0.6% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM10,001 dan ke atas
    • 0.5% pulangan tunai jika jumlah perbelanjaan bulanan adalah antara RM3,001 – RM10,000
    • 0.3% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM3,000 dan ke bawah

  • icon dining Makan

    • 0.6% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM10,001 dan ke atas
    • 0.5% pulangan tunai jika jumlah perbelanjaan bulanan adalah antara RM3,001 – RM10,000
    • 0.3% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM3,000 dan ke bawah

  • icon entertainment Hiburan

    • 0.6% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM10,001 dan ke atas
    • 0.5% pulangan tunai jika jumlah perbelanjaan bulanan adalah antara RM3,001 – RM10,000
    • 0.3% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM3,000 dan ke bawah

  • icon groceries Barangan Runcit

    • 0.6% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM10,001 dan ke atas
    • 0.5% pulangan tunai jika jumlah perbelanjaan bulanan adalah antara RM3,001 – RM10,000
    • 0.3% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM3,000 dan ke bawah

  • icon shopping Beli-Belah

    • 0.6% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM10,001 dan ke atas
    • 0.5% pulangan tunai jika jumlah perbelanjaan bulanan adalah antara RM3,001 – RM10,000
    • 0.3% pulangan tunai jika jumlah perbelanjaan bulanan ialah RM3,000 dan ke bawah

icon tag Ciri-ciri Lain

  • Pelan Perlindungan: Insurans Kemalangan Perjalanan dengan perlindungan sehingga RM350, 000 dan Perlindungan Ketidakselesaan Perjalanan yang meliputi sambungan yang terlepas, kelewatan bagasi, kehilangan bagasi, kelewatan penerbangan, pembatalan penerbangan jika tiket penerbangan penuh dikenakan ke kad kredit ini
  • Pemindahan Baki: 0% setahun untuk tempoh 6 bulan dengan jumlah pemindahan minimum RM5, 000 dan ke atas; 0% yuran pendahuluan satu kali
  • Pelan Ansuran: 0% faedah Pelan Bayaran Ansuran di semua pedagang yang mengambil bahagian

icon info Card Information

Gaji Minimum Bulanan RM 2000
Min. age for principal holder 21
Fee for principal holder RM 75
Min. age for supplementary holder 18 tahun
Fee for supplementary holder RM75
Late payment charge RM10 atau 1% dari baki tertunggak (mana-mana yang lebih tinggi), caj maksimum sehingga RM100
Cash advance amount RM5,000 sehari
Cash advance charge RM20 atau 5% dari jumlah pendahuluan tunai (mana-mana yang lebih tinggi)
Cash advance interest charge 18% setahun dari jumlah pendahuluan tunai
Rewards points expiry Tiada

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Product Review by

Spend And Earn Cashback!

Public Bank Visa Credit Card is a card that gives you cash rebates on your spending. With up to 0.6% cashback on your retail purchases (excluding petrol spending), you can now save more money when you shop for your clothes, wine and dine in a restaurant, and/or buying groceries from the supermarket. To enjoy the 0.6% cash rebate, you will need to spend above RM10,000. If you spend not more than RM10,000 but more than RM3,000, you will be getting 0.5% cashback on your transactions. Any other spending amount will see your cash rebate drop to 0.3%. This card also comes with an automatic travel insurance whereby you can get up to RM350,000 coverage; provided you paid for the travel arrangements using your credit card. On top of that, luggage delay, luggage loss or anything that will bring inconvenience to your travel will also be compensated. By transferring from your existing card, you can enjoy a 0% interest on your oustanding balance for 6 months. The minimum transfer amount is RM5,000.

Fees and Charges

Annual fee for the Public Bank Visa Credit Card is RM79.50 for the principal cardholder while for the supplementary cardholder, the annual fee is RM47.70. The finance charges that come with this card have 3 tiers: 15% p.a., 17% p.a. and 18% p.a. To enjoy the 15% per annum interest rate, you will need to make prompt minimum monthly repayments for consecutive period of 12 months. Missing 1 or 2 monthly payments, will see a 17% per annum interest rate charged on your outstanding balance. Anything else and the interest rate that your outstanding balance will be charged with 18% per annum. When you miss any monthly payments, you will be charged with a late repayment penalty of up to RM100 (a minimum of RM10 or 1% of outstanding balance).

Are You Eligible For The Public Bank Visa Classic Credit Card?

There are annual fees for both principal and supplementary cardholder. The annual fee for the principal card will be RM79.50 while the annual fee for the supplementary card is RM47.70. Minimum age requirement is 21 years old for the principal cardholder and 18 years old for the supplementary cardholder.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Public Bank Executive MasterCard Credit Card and Maybank Visa Classic Card, which may match your requirements.

If you prefer to broaden your credit card search, review more Public Bank credit cards and start comparing today!

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