Public Bank Credit Cards
Last updated 19 August 2026 · Reviewed by Raymond, Rates.my
Public Bank credit cards overview
Public Bank offers 7 credit cards listed here, spanning cashback and air miles. 7 of them are free-for-life with no annual fee. Entry-level eligibility starts from a minimum income of RM24,000 a year. The headline pick is the Public Bank Quantum Visa / Mastercard — 2% cashback overseas (mc) / 1% contactless (visa), capped rm20/mo. Compare every Public Bank card below by reward type, annual fee and income requirement, then read full reviews before you apply.
All Public Bank credit cards
2% cashback overseas (MC) / 1% contactless (Visa), capped RM20/mo
3x VIP Points per RM1 overseas retail + 2% Cash Back on dining & online
0.3% unlimited Cash MegaBonus on local retail spend
5x Air Miles Points per RM1 overseas + 5x lounge access
0.2% unlimited rebate on AIA premiums + 0.1% on other retail spend
0.2% unlimited Cash MegaBonus on every Ringgit spent, local & overseas
Up to 5% cash rebate at Petron stations (tiered, capped RM50/mo)
How to apply for a Public Bank credit card
Apply online via the Public Bankwebsite or banking app, or at any branch. You'll generally need to be at least 21 (supplementary cards from 18), meet the card's minimum annual income of RM24,000 or more, and provide your MyKad (or passport for non-residents), your latest payslips or EA form, and recent bank statements or your BE form if self-employed. Approval and the final credit limit are at Public Bank's discretion. Not financial advice.
Public Bank credit cards FAQ
Our top Public Bank pick is the Public Bank Quantum Visa / Mastercard — 2% cashback overseas (mc) / 1% contactless (visa), capped rm20/mo. The best card for you depends on where you spend: compare the cashback, rewards and fees in the list above against your own habits.
7 cards are free-for-life: Public Bank Quantum Visa / Mastercard, Public Bank Visa Signature, Public Bank Visa Infinite, Public Bank World Mastercard, Public Bank AIA Visa Gold, Public Bank Visa Platinum, Public Bank Petron Visa Gold. Always confirm the latest fee terms with Public Bank, as waiver conditions can change.
Entry-level Public Bank cards start from a minimum annual income of about RM24,000 (roughly RM2,000/month). Premium cards require more — each card's exact requirement is shown above.
The Public Bank cards listed here are conventional. Check with Public Bank directly for any Shariah-compliant card-i options.
Apply online at the Public Bank website or app, or at a branch. You'll typically need to be at least 21, meet the card's minimum income, and provide your MyKad (or passport), latest payslips or EA form, and recent bank statements or BE form if self-employed.
Rates, fees and promotions are indicative and time-limited — always confirm current terms with Public Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by Public Bank; the bank's name and card names/logos belong to their respective owners. Spotted an error, or need a correction or takedown? Contact Raymond at raymond@rates.my.