Public Bank · Visa Signature · Cashback + Miles

PB Visa Signature

Good for

Dining and online purchases of RM100 or more earn 2% cash back, up to RM30 a month.
Schools, public transport and EV charging earn 10x Green Points per RM1, about 0.8 Enrich miles per RM1.
2 free Plaza Premium lounge visits a year worldwide, and up to RM500,000 travel accident cover.

Each dining or online purchase must be RM100 or more to earn cash back, and the cash back stops at RM30 a month.
Other local spend earns only 1x VIP Point per RM1, about 0.08 Enrich miles per RM1.
RM388 annual fee after the first year, unless you use the card 12 times a year.

Cash back, VIP Points and Green Points. The points rows show the miles those points make in Enrich.

Spending	Earns	Details
Education, Public transport and EV charging in shops	10 points per RM	0.8 miles per RM.
Spending in shops in a foreign currency except Dining, Education, Public transport and more	3 points per RM	0.24 miles per RM.
Spending in shops in ringgit except Dining, Education, Public transport and more	1 point per RM	0.08 miles per RM.
Dining in shops or online	2%	Up to RM30 back a month, shared with Online shopping, Online (foreign currency), Airlines (direct) and more online.
Online shopping, Online (foreign currency), Airlines (direct) and more online	2%	Up to RM30 back a month, shared with Dining in shops or online.
Petrol, Insurance, Government / LHDN / JPJ and more	Nothing	Petrol, Insurance, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

How it's paid: Not published by Public Bank Public Bank does not publish how or when it credits the cash back. It says only that cash back on the principal and supplementary cards is paid out together.
Which month counts: Your monthly statement cycle Dining and online share one RM30 cap per monthly statement cycle. Public Bank does not say whether a purchase counts by the date you made it or the date it posts.
When you lose it: Card cancelled, suspended or restricted by the bank If the bank cancels, suspends or restricts the card, for example after missed payments, the cardmember agreement says all card benefits are cancelled or suspended at once. The bank has no rule written for the cash back itself.

Airport lounges: 2 free visits a year Plaza Premium. Worldwide. Each visit needs RM1,000 of spend in the 30 days before or after it. Shared with your supplementary cards. The current program runs to 31 December 2026.
Overseas spending fee: 1.25% 1.25% Public Bank spread, on top of the card network's rate

Free. Travel cover starts once you charge the full fare to this card.

Travel accident: Up to RM500,000 Plus up to RM300,000 for your spouse and RM200,000 for your children.
Travel inconvenience: Lost luggage up to RM1,000 Flight delay or missed connection up to RM400. Luggage delay up to RM400. Trip cancellation up to RM400.
Shopping and fraud cover: Online purchases up to USD200 Covers items not delivered, wrong or incomplete, or damaged. USD200 a year in total.
Insurer: Lonpac Insurance Berhad Travel cover. Online purchase cover is from AIG, through Visa.

What it costs if you don't pay in full, or use it for cash.

Annual fee: RM388 Free the first year. Waived after 12 purchases in a year.
Extra (supplementary) cards: RM200 a year First year free, then waived after 12 transactions a year.
Service tax: RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest: 15%, 17% or 18% a year Depends on how reliably you paid over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment: 5% of the balance, or RM50 Whichever is higher, plus any installments and any amount over your limit.
Late payment: 1% of the balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal: RM4.90 plus 0.39% in Malaysia RM5.10 plus 0.65% abroad. Plus 18% a year interest. No interest-free days.

Income: RM80,000 a year or more
Age: 21 or older Extra cardholders from 18.
Documents: Employees: your latest payslip, EA statement, EPF statement or employment letter
Self-employed: your latest year's tax return or tax receipt. Company directors also need 6 months of company account statements
Overtime, commission or fee income: the latest 6 months of payslips or statements showing it
Income from abroad: your latest 3 months' payslips and an employment letter

Concierge: Visa Concierge A digital assistant and lifestyle guide from Visa, all day, all year.
Pay by phone: Google Pay, Samsung Pay
Card network: Visa Signature