Best Public Bank Credit Cards in Malaysia

Public Bank runs one of Malaysia’s widest credit card line-ups, spanning everyday cashback cards, petrol cards, air-miles travel cards, Shariah-compliant Credit Card-i options and invitation-only premium cards. Most cards reward you through the bank’s Cash MegaBonus programme (cashback credited straight to your statement, with no expiry and no redemption hassle), while a handful earn VIP Points, Green Points or Air Miles instead. The right pick depends entirely on where your ringgit actually go each month: fuel, groceries, dining, online shopping or travel. This guide compares every current Public Bank card, shows you how to match one to your spending, and walks through a worked example so you can see the cashback in real ringgit. All figures below were verified in June 2026; card features change often, so always confirm the latest terms with Public Bank before you apply.

Quick Answer: Best Public Bank Credit Card for Each Spender

Best Public Bank Credit Cards Annual Fee Comparison

How Interest, Income Rules & Service Tax Work (2026)

Before comparing rewards, it helps to understand the rules that apply to every Malaysian credit card, including Public Bank’s. These are set by Bank Negara Malaysia (BNM), so they don’t change from one bank to another.

A few other rules worth knowing:

• RM25 service tax per card, per year — a government-imposed annual service tax on each principal and supplementary card, charged on activation and on each anniversary. This is separate from the bank’s annual fee.
• RM24,000 minimum income — the BNM floor (RM2,000/month) to hold any credit card. Public Bank’s entry cards (Gold, AIA Visa Gold, Petron Visa Gold) sit right at this level.
• The two-issuer rule — if you earn RM36,000 a year or less, you can hold cards from a maximum of two issuers, and your total credit limit is capped at twice your monthly income. Higher earners have no such cap.
• Minimum monthly payment — 5% of the outstanding balance or RM50, whichever is higher. Paying only the minimum means interest of 15–18% keeps compounding, so clear the full balance whenever you can.

For a deeper breakdown of how interest is charged, see our best credit cards in Malaysia guide.

Top Public Bank Credit Cards

1. Public Bank Visa Infinite

Best for: high earners who want simple, high flat-rate cashback everywhere plus premium travel perks.

Features & Benefits

• 2% Cash MegaBonus on all retail spending, local and overseas, plus an additional 0.3% cash rebate.
• 3X complimentary Plaza Premium Lounge visits a year in Malaysia.
• Travel insurance coverage up to RM500,000 when you charge your travel to the card.
• Visa Concierge service and Visa Infinite purchase protection.

Eligibility: minimum RM100,000 annual income; principal cardholder 21+, supplementary 18+.

Fees & Charges

• Free for life for the principal and first supplementary card (a second supplementary card is RM250).
• RM25 government service tax per card on activation and each anniversary.
• Minimum monthly payment RM50 or 5% of the balance, whichever is higher.
• Late payment fee 1% of the outstanding balance (min RM10, max RM100).
• Cash withdrawal fee RM20 or 5% of the amount, whichever is higher.
• Interest 15–18% per year, depending on your payment tier.

2. Public Bank World Mastercard

Best for: frequent flyers who want to build air miles from everyday spending.

Features & Benefits

• Earn up to 3X Air Miles Points for every RM1 spent on retail, both locally and overseas.
• Convert points to Malaysia Airlines Enrich Points or AirAsia Points; points don’t expire while the account is active.
• 3X complimentary Plaza Premium Lounge visits a year in Malaysia.
• Travel insurance up to RM500,000, plus Mastercard E-Commerce Purchase Protection (up to USD200/claim).

Eligibility: minimum RM100,000 annual income; principal 21+, supplementary 18+.

Fees & Charges

• Free for life for principal and supplementary cards.
• RM25 service tax per card on activation and each anniversary.
• Minimum monthly payment RM50 or 5%, whichever is higher.
• Late payment fee 1% (min RM10, max RM100); cash withdrawal RM20 or 5%, whichever is higher.
• Interest 15–18% per year.

3. Public Bank Visa Signature

Best for: mid-to-high earners who dine out and shop online, and want a card that rewards eco-friendly spending too.

Features & Benefits

• 2% cashback on dining (MCC 5812/5813/5814) and online transactions, minimum RM100 per transaction, capped at RM30 per statement cycle.
• 10X Green Points on selected green-category transactions (public transport, EV charging, sustainable merchants).
• 3X VIP Points on overseas spending and 1X VIP Points locally.
• 2X complimentary Plaza Premium Lounge visits a year, plus travel insurance up to RM500,000.

Eligibility: minimum RM80,000 annual income (≈RM6,666/month); principal 21+, supplementary 18+.

Fees & Charges

• Annual fee waived in the first year and thereafter when you make at least 12 swipes in the prior 12 months.
• RM25 service tax per card on activation and each anniversary.
• Minimum monthly payment RM50 or 5%, whichever is higher; late fee 1% (min RM10, max RM100).
• Cash withdrawal RM20 or 5%, whichever is higher; interest 15–18% per year.

If you want to compare this against other strong rebate cards, see our best cashback credit cards in Malaysia roundup.

4. Public Bank Quantum Visa/Mastercard

Best for: a free-for-life everyday card — Visa for contactless tap-and-go, Mastercard for overseas online shopping.

Public Bank revised the Quantum cards’ cashback structure, so the current earn rates differ from older write-ups. The Visa version now rewards contactless retail, while the Mastercard rewards overseas spending. Grocery purchases on the Quantum Visa earn VIP Points rather than cashback under the revised terms.

Features & Benefits

• Quantum Visa: 1% Cash MegaBonus on contactless retail transactions (minimum RM100 per transaction).
• Quantum Mastercard: 2% Cash MegaBonus on overseas transactions (minimum RM100 per transaction).
• Free for life with no minimum annual spend.

Eligibility: minimum RM36,000 annual income (RM3,000/month); principal 21+, supplementary 18+.

Cashback Rates

Limited-time boost: from 1 May to 31 August 2026, PB Mastercard credit cardholders can earn 20% cashback on dining, groceries and pharmacy spend (capped at RM50/month and RM200 over the campaign, with a minimum RM1,000 accumulated retail spend per month). Confirm exact caps and eligibility with Public Bank, as promotional terms change.

5. Public Bank Petron Visa Gold

Best for: drivers who fuel up at Petron and want a low-income-requirement, free-for-life petrol card.

Features & Benefits

• Up to 5% cashback on both fuel and non-fuel purchases at any Petron station nationwide (the rate scales with your monthly Petron spend, capped at RM50 per statement cycle).
• Unlimited 0.1% Cash MegaBonus on all other local and overseas retail spending.
• Personal accident insurance coverage up to RM20,000.

Eligibility: minimum RM24,000 annual income; principal 21+, supplementary 18+.

Cashback Rates

Note that you need to spend above RM800 at Petron in a cycle to unlock the headline 5% rate. If you spread fuel across several brands, a flat-rate cashback card may suit you better — compare options in our best petrol credit cards guide.

6. Public Islamic Bank Platinum Mastercard Credit Card-i

Best for: customers who want a Shariah-compliant card with cashback on groceries and online spending.

Features & Benefits

• Cash rebate of up to 4% on groceries, departmental store and selected online/global transactions (per the card’s published product terms — confirm current rate and caps with the bank).
• 0.1% of dining transactions donated to Yayasan Waqaf Malaysia.
• 2X complimentary Plaza Premium Lounge access in Malaysia.
• Shariah-compliant structure with a non-compounding management fee.

Eligibility: minimum RM40,000 annual income; principal 21+, supplementary 18+.

Fees & Charges

• Annual fee RM333 (principal) and RM150 (supplementary); first year free, and waived thereafter with at least 12 transactions a year.
• RM25 service tax per card on activation and each anniversary.
• Minimum monthly payment RM50 or 5%, whichever is higher; late fee 1% (min RM10, max RM100).
• Cash withdrawal RM20 or 5%, whichever is higher; profit rate 15–18% per year (non-compounding).

For a side-by-side of Shariah cards across banks, read our best Islamic credit cards in Malaysia guide.

7. Public Bank Gold Mastercard/Visa

Best for: first-time cardholders who want a no-frills card with uncapped flat cashback.

Features & Benefits

• Unlimited 0.1% Cash MegaBonus on both domestic and international retail transactions.

Eligibility: minimum RM24,000 annual income; principal 21+, supplementary 18+.

Fees & Charges

• Annual fee RM150 (principal) and RM100 (supplementary); first year free, waived thereafter with at least 12 transactions a year.
• RM25 service tax per card on activation and each anniversary.
• Minimum monthly payment RM50 or 5%, whichever is higher; late fee 1% (min RM10, max RM100).
• Cash withdrawal RM20 or 5%, whichever is higher; interest 15–18% per year.

8. Public Bank AIA Visa Gold Credit Card

Best for: AIA policyholders who want a free-for-life card and a small rebate on their premiums.

Features & Benefits

• Free annual fee for life.
• Unlimited 0.2% cashback on AIA insurance premiums.
• Unlimited 0.1% Cash MegaBonus on local and global retail spending.

Eligibility: minimum RM24,000 annual income; principal 21+, supplementary 18+.

Fees & Charges

• Annual fee waived for principal and supplementary cards.
• RM25 service tax per card on activation and each anniversary.
• Minimum monthly payment RM50 or 5%, whichever is higher; late fee 1% (min RM10, max RM100).
• Cash withdrawal RM20 or 5%, whichever is higher; interest 15–18% per year.

9. Public Bank Visa Commercial Card

Best for: registered companies wanting an uncapped flat-cashback card for corporate spending.

Features & Benefits

• Unlimited 0.5% cashback on all transactions.
• Travel insurance coverage up to RM1 million.

Eligibility: issued to registered public and private companies; principal 21+, supplementary 18+.

Fees & Charges

• Annual fee RM150 for principal and supplementary cards (first year free).
• RM25 service tax per card on activation and each anniversary.
• Minimum monthly payment RM50 or 5%, whichever is higher; late fee 1% (min RM10, max RM100).
• Cash withdrawal RM20 or 5%, whichever is higher; interest 15–18% per year.

10. Public Bank Visa Business

Best for: SMEs issuing cards to employees with rewards on overseas business spend.

Features & Benefits

• Unlimited 0.8% cashback on global spending and 0.3% on local spending.
• Travel insurance coverage up to RM1 million.

Eligibility: available to SMEs for employee use; principal 21+, supplementary 18+.

Fees & Charges

• Annual fee RM150 for principal and supplementary cards, waived with 12 swipes a year.
• RM25 service tax per card on activation and each anniversary.
• Minimum monthly payment RM50 or 5%, whichever is higher; late fee 1% (min RM10, max RM100).
• Cash withdrawal RM20 or 5%, whichever is higher; interest 15–18% per year.

11. Mutual Gold-PB Visa Platinum Credit Card

Best for: Public Bank Mutual Gold priority customers (invitation only).

Features & Benefits

• Free annual fee for life.
• Unlimited 0.2% Cash MegaBonus on local and global retail spending.
• Additional 0.3% Mutual Gold Cash Bonus on your birthday.
• 2X complimentary Plaza Premium Lounge access in Malaysia and travel insurance up to RM500,000.

Eligibility: by invitation from Public Bank only; principal 21+, supplementary 18+.

Fees & Charges

• Annual fee waived for principal and supplementary cards.
• RM25 service tax per card on activation and each anniversary.
• Minimum monthly payment RM50 or 5%, whichever is higher; late fee 1% (min RM10, max RM100).
• Cash withdrawal RM20 or 5%, whichever is higher; interest 15–18% per year.

How to Choose the Right Public Bank Credit Card

With so many cards, the decision comes down to a few simple questions:

• Where do most of your ringgit go? Map your last three months of spending. If petrol at Petron dominates, the Petron Visa Gold pays its way. If it’s dining and online, the Visa Signature’s 2% wins. If your spending is spread evenly with no clear category, a flat-rate card like the Visa Infinite (2% everywhere) is hard to beat.
• Do you qualify by income? The premium flat-rate cards need RM80,000–RM100,000 a year. If you earn less, the Quantum (RM36,000) and Gold/Petron/AIA cards (RM24,000) are your realistic options.
• Will you actually hit the minimum spend and caps? A 2% card capped at RM30/month only returns its maximum if you spend ~RM1,500 in the bonus category. If you spend less, an uncapped 0.1–0.5% card can quietly out-earn a capped headline rate.
• Free for life, or fee waived on usage? Visa Infinite, World Mastercard, Quantum, Petron and AIA cards are free for life. Others waive the fee only if you swipe at least 12 times a year — easy to hit, but worth remembering.
• Do you need Shariah compliance? Public Islamic Bank’s Credit Card-i range uses a Tawarruq (commodity murabahah) structure with non-compounding charges.

A common, effective strategy is to pair two free-for-life cards: for example, the Petron Visa Gold for fuel and a Quantum card for everyday retail, so each ringgit lands on the card that rewards it best.

Worked Example: How Much Cashback Can You Really Earn?

Take a cardholder spending RM3,000 a month: RM600 on fuel at Petron, RM700 on dining and online, RM900 on groceries, and RM800 on other retail.

• Petron Visa Gold: RM600 fuel falls in the RM500–RM800 band → 3% = RM18; other RM2,400 at 0.1% = RM2.40. ≈ RM20/month (RM240/year).
• Visa Signature: RM700 dining/online at 2% = RM14 (under the RM30 cap); other spend earns VIP Points. ≈ RM14/month in cashback plus points.
• Visa Infinite: all RM3,000 at 2% + 0.3% = up to ~RM69/month — but you need RM100,000 income to qualify.

The takeaway: match the card to your biggest category. If you fuel up heavily at Petron, the Petron card’s 3–5% beats a flat card on that slice. If you qualify for the Visa Infinite, its flat 2%+ across everything is usually the simplest way to maximise returns. Always weigh the cap against your real spending, not the headline rate.

Common Pitfalls to Avoid

• Chasing a headline rate you can’t reach. The Petron card’s 5% only applies above RM800 monthly Petron spend; below that you earn 0.5–3%.
• Ignoring per-transaction minimums. Visa Signature’s 2% and the Quantum rates require RM100 minimum per transaction — small purchases earn nothing in those categories.
• Forgetting the RM25 annual service tax on every card, including supplementary cards. Holding cards you don’t use still costs you.
• Paying only the minimum. At 15–18% interest, carrying a balance wipes out any cashback many times over. If you’ve built up a balance, a balance transfer or an easy payment plan (EPP) can cut the interest while you clear it.
• Applying without checking your credit standing. Review your CTOS credit report before applying to improve your approval odds.

Benefits of Using Public Bank Credit Cards

Across the line-up, Public Bank cards share a few strengths worth highlighting:

1. Automatic Cash MegaBonus

Most Public Bank cards earn Cash MegaBonus, which is credited directly to your monthly statement with no expiry and no manual redemption. That makes the rewards genuinely passive — you simply spend as usual and the cashback appears. Cards like the Visa Infinite (2%) and Petron Visa Gold (up to 5% at Petron) sit at the top of the range, while entry cards earn a flat 0.1% on everything.

2. VIP Points, Green Points and Air Miles

Beyond cashback, several cards earn rewards you can redeem for vouchers, electronics, travel packages or flights. The Visa Signature uniquely earns 10X Green Points on eco-friendly transactions and VIP Points on the rest, while the World Mastercard earns up to 3X Air Miles that convert to Malaysia Airlines Enrich or AirAsia Points. VIP Points are valid for three years from the date earned.

3. Travel Insurance and Lounge Access

The premium cards (Visa Signature, World Mastercard, Visa Infinite) include up to RM500,000 in travel insurance when you charge your travel to the card, covering flight delays, lost luggage, missed connections and trip cancellation. They also bundle 2–3 complimentary Plaza Premium Lounge visits a year in Malaysia.

4. Balance Transfer and FlexiPay Instalments

Public Bank’s balance transfer programme lets you consolidate other banks’ card balances at a flat rate over tenures up to 48 months, while FlexiPay converts large retail purchases into 3–36 month instalments (some at promotional 0% interest plus a small processing fee). Both can be useful tools for managing larger commitments — just read the upfront fee and tenure terms carefully.

5. E-Commerce Purchase Protection

The Public Bank World Mastercard includes Mastercard E-Commerce Purchase Protection (up to USD200 per claim annually) covering non-delivery, wrong or incomplete items, and damage on online purchases — a useful safety net for frequent online shoppers.

How to Apply for a Public Bank Credit Card

Once you’ve matched a card to your spending, applying is straightforward. Here’s what you need.

Eligibility Criteria

Documents You’ll Need

After You Apply: Approval and Activation

Application review: Public Bank checks your documents, income records and credit standing, and may request additional papers.

Approval: if everything is in order, approval typically takes a few business days to a couple of weeks (longer for premium cards or incomplete applications).

Card issuance and delivery: your card is mailed to your registered address, usually within 3–7 working days of approval.

Activation: activate via Public Bank’s customer service line or the PB engage mobile app, then set your PIN before first use.

Start using your card: register for online banking and the PB engage app to track spending, view statements and watch for cardholder promotions.

You can apply online at the official Public Bank cards page or at any branch.

Conclusion: Matching the Card to Your Spending

The “best” Public Bank credit card is simply the one that rewards how you already spend. Heavy Petron drivers should look at the Petron Visa Gold; diners and online shoppers at the Visa Signature; high earners who want simplicity at the Visa Infinite’s flat 2%; and frequent flyers at the World Mastercard’s air miles. Lower earners get genuine value from the free-for-life Quantum, Gold and AIA cards. Whichever you choose, the golden rule is to clear your balance in full each month — at 15–18% interest, carried balances erase cashback faster than any card can earn it.

If you’re weighing Public Bank against other issuers, see our best credit cards in Malaysia page for a full comparison.

Frequently Asked Questions

**Disclaimer

This content is provided by KayaToday for general informational purposes only and should not be taken as financial or legal advice. While we make every effort to keep figures accurate and up to date (verified June 2026), card features, rates, fees, eligibility and promotions are set by Public Bank and may change at any time at the bank’s discretion. Always confirm the latest terms directly with Public Bank or a licensed financial adviser before applying. Any reliance on the information here is at your own risk.