Public Bank Petron Visa Gold
Up to 5% cash rebate at Petron stations (tiered, capped RM50/mo)
Apply for Public Bank Petron Visa Gold →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
Public Bank Petron Visa Gold overview
The Public Bank Public Bank Petron Visa Gold is a Gold-tier Visa cashback card built around cashback. Up to 5% cash rebate at Petron stations (tiered, capped RM50/mo). 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
- ✓Up to 5% cash rebate at Petron — tiered by monthly Petron spend (5% above RM800/mo), capped RM50/cycle
- ✓Unlimited 0.1% Cash MegaBonus on all other local & overseas retail spend
- ✓Free for life — no annual fee, no conditions
Is the Public Bank Petron Visa Gold worth it?
The Public Bank Petron 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
- +Up to 5% cashback on best petron card
- +Low income requirement — accessible to first-time applicants
- −Cashback capped at RM50 a month
- −Top cashback applies only to specific categories (best petron card)
- −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 Petron Visa Gold, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- PB's bank-wide 'Exclusion List for Card Rewards' (rev. 28 Jul 2025) excludes e-wallet reloads, casino, petrol (MCC 5541/5542/5172), insurance/takaful, recurring payments, cash advances, quasi-cash, balance transfers, UTAR/TARC campus, government payments, charity, Flexipay instalments, PB Easy Cash, Direct Debit and online/mobile-banking or ATM payments from the generic Reward Points/0.1% Cash MegaBonus — this does NOT apply to the dedicated Petron rebate below, which is a separate feature, but IS restricted to transactions at payment terminals acquired by PBB at Petron stations only (a different-acquirer Petron terminal earns nothing).
- Min spend to earn
- None — the 0.5%–5% tiers apply from RM0.01 of monthly Petron spend upward; the tier is picked retroactively by that month's cumulative Petron total, it's not an eligibility gate.
- How the cap works
- Petron Cash Rebate capped RM50 per monthly statement cycle, combined across principal + supplementary accounts; the 0.1% Cash MegaBonus on other local/overseas retail spend is explicitly 'Unlimited' — no cap.
- Foreign transaction fee
- 1.25% foreign-exchange spread on the USD-converted Ringgit amount, at the Visa/Mastercard-determined conversion rate — per the general PB Credit Card PDS, which lists this card by name.
- Fee waiver
- "Free-For-Life without condition" — confirmed on both the product page and the PDS annual-fee table.
- ⚠Petron rebate only counts on payment terminals acquired by PBB at Petron stations — a Petron station terminal acquired by a different bank earns nothing
- ⚠No Reward Points are awarded on any Cash Back-earning transaction (exclusion-list footnote)
Verified 8 September 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 Petron Visa Goldterms & product disclosure →Public Bank Petron 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 Petron Visa Gold is free for life with no annual fee.
It earns up to 5% cashback on best petron card, capped at RM50 a month. Up to 5% cash rebate at Petron stations (tiered, capped RM50/mo).
No — the Public Bank Petron 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 "Up to 5% cash rebate at Petron stations (tiered, capped RM50/mo)". 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 Petron 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.