Public Bank Visa Signature
3x VIP Points per RM1 overseas retail + 2% Cash Back on dining & online
Apply for Public Bank Visa Signature →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
Public Bank Public Bank Visa Signature overview
The Public Bank Public Bank Visa Signature is a Signature-tier Visa miles card built around air miles. 3x VIP Points per RM1 overseas retail + 2% Cash Back on dining & online. It best suits upper-middle-income earners, with a minimum income requirement of RM80,000 a year. It carries no annual fee. Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓1x VIP Point per RM1 local retail spend, 3x per RM1 overseas retail spend
- ✓10x Green Points per RM1 on Green Category spend (3-year expiry)
- ✓2% Cash Back on Dining & Online (min RM100/txn, capped RM30/statement cycle)
- ✓VIP/Green Points convert to Enrich or AirAsia Points (12,500 pts = 1,000 Enrich, eff. 1 May 2026)
- ✓2x complimentary Plaza Premium Lounge access/yr (min RM1,000 spend within 30 days)
- ✓Automatic travel insurance up to RM500,000
- ✓Annual fee waived with min. 12 swipes/yr
Is the Public Bank Visa Signature worth it?
The Public Bank Visa Signature is best suited to upper-middle-income earners — its minimum income requirement is RM80,000 a year (about RM6,667 a month). As a miles card, it works best for frequent flyers who will convert spending into air miles and redeem them for flights or upgrades.
- +Free for life — no annual fee
- +Complimentary airport lounge access
- +Complimentary travel insurance
- +Broad range of benefits and perks
- −Higher income requirement — RM80k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
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 Visa Signature, in plain language — so nobody gets caught out. Always confirm against the official terms.
- How the cap works
- 2% Cash Back on Dining (MCC 5812/5813/5814) and Online spend needs a minimum RM100 per transaction, capped at RM30 per statement cycle (combined across principal + supplementary). Green Category spend earns 10x Green Points per RM1 (3-year expiry); other retail spend earns 1x VIP Point/RM1 local, 3x overseas.
- Foreign transaction fee
- Not disclosed on the card's own product page as of this check.
- Fee waiver
- First-year annual fee waived; subsequent years' fee waived with a minimum of 12 transactions over the preceding 12 months.
- ⚠VIP/Green Points → Enrich/AirAsia Points ratio was revised effective 1 May 2026 to 12,500 points = 1,000 Enrich Points (or 2,000 AirAsia Points), officially confirmed 23 July 2026 — pre-revision figures (0.10–0.118 milesPerRM) are stale and should not be used
- ⚠The 2% Dining/Online cashback and the VIP/Green Points earn are separate reward mechanisms on the same card
Verified 23 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 Visa Signatureterms & product disclosure →Public Bank Visa Signature FAQ
You need a minimum annual income of RM80,000 (about RM6,667 a month). Public Bank also considers your overall credit standing.
No — the Public Bank Visa Signature is free for life with no annual fee.
It earns air miles. 3x VIP Points per RM1 overseas retail + 2% Cash Back on dining & online.
No — the Public Bank Visa Signature is a conventional credit card. Check with Public Bank for any Islamic (card-i) equivalent.
It's a good fit for upper-middle-income earners who want air miles — its main draw is "3x VIP Points per RM1 overseas retail + 2% Cash Back on dining & online". 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 Visa Signature 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.
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Live · last activity 08 Jul 2026