Public Bank AIA Visa Gold
0.2% unlimited rebate on AIA premiums + 0.1% on other retail spend
Apply for Public Bank AIA Visa Gold →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
Public Bank Public Bank AIA Visa Gold overview
The Public Bank Public Bank AIA Visa Gold is a Gold-tier Visa cashback card built around cashback. 0.2% unlimited rebate on AIA premiums + 0.1% on other retail spend. It best suits entry-level applicants and first-time cardholders, with a minimum income requirement of RM24,000 a year. It carries no annual fee.
Features & benefits
- ✓Unlimited 0.2% Cash Rebate on AIA Insurance Premiums
- ✓Unlimited 0.1% Cash MegaBonus on other local & overseas retail purchases
- ✓Gold-tier everyday rebate
- ✓Low RM24,000/yr income entry
Is the Public Bank AIA Visa Gold worth it?
The Public Bank AIA Visa Gold is best suited to entry-level applicants and first-time cardholders — its minimum income requirement is RM24,000 a year (about RM2,000 a month). As a cashback card, it works best for everyday spenders who want straightforward rebates on categories like petrol, groceries and dining.
- +Free for life — no annual fee
- +Low income requirement — accessible to first-time applicants
- −Top cashback applies only to specific categories (aia insurance premiums)
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Cashback at a glance
The top rate rewards one main category — great only if that fits your spending. The maximum is the published monthly cap; actual cashback depends on the exact eligible categories, exclusions and minimum-spend terms — confirm the fine print below before you apply.
Eligibility & how to apply
Requirements are general guidance — Public Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the Public Bank AIA Visa Gold, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- Per PB's official "Exclusion List for Card Rewards" (rev. 28 Jul 2025), applicable to all PB card rewards: e-wallet reloads, casino, petrol, insurance/takaful (MCC 5960 & 6300 — separate from this card's own dedicated AIA premium rebate), recurring payments, cash advances, quasi-cash, balance transfers, government payments, charity, Flexipay instalments, PB Easy Cash, Direct Debit payments, and online/mobile-banking or ATM payments. The product page also notes AIA payments made via Direct Debit don't earn the 0.2% rebate.
- How the cap works
- Both the 0.2% AIA-premium rebate and the 0.1% Cash MegaBonus on other retail spend are explicitly described as "Unlimited" on the official product page — no monthly/annual cap.
- Foreign transaction fee
- 1.25% foreign-exchange spread on the converted Ringgit amount, per the general PB Credit Card PDS (pbebank.com/media/rczb0ouh/pds-credit-card-en.pdf) — not confirmed on this card's own product page.
- ⚠The 0.2% AIA rebate only applies to AIA insurance premium payments; general retail spend earns a separate, lower 0.1% Cash MegaBonus — don't conflate the two rates
Verified 31 July 2026. Summarised in our own words from Public Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official Public Bank AIA Visa Goldterms & product disclosure →Public Bank AIA Visa Gold FAQ
You need a minimum annual income of RM24,000 (about RM2,000 a month). Public Bank also considers your overall credit standing.
No — the Public Bank AIA Visa Gold is free for life with no annual fee.
It earns up to 0.2% cashback on aia insurance premiums. 0.2% unlimited rebate on AIA premiums + 0.1% on other retail spend.
No — the Public Bank AIA Visa Gold is a conventional credit card. Check with Public Bank for any Islamic (card-i) equivalent.
It's a good fit for entry-level applicants and first-time cardholders who want cashback — its main draw is "0.2% unlimited rebate on AIA premiums + 0.1% on other retail spend". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the Public Bank AIA Visa Gold compares
This card features in our ranked shortlists — compare it against the best in each category:
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; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.