Public Bank Visa Business
Manage your business expenses with the Public Bank Visa Business card. Earn up to 0.8% unlimited cash rebates and give employees a secure credit line.
Eligibility
Minimum Monthly Income
N/A
Min. Age
Cardholder: 21 years old
Resident Status
Open to Private Limited and Listed companies only, with minimum 2 years in business operation and Paid-up Capital of RM100,000
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest 3-6 months salary slip
- Latest EA statement
- Latest EPF statement
- Letter of Employment or employer confirmation
- Latest 1 year official tax receipt
- Latest 3 months bank statement
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for the first year. For subsequent years, it is waived when you make a minimum of 12 transactions per year on each card.
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Uncapped Cash Back on Every Business Expense
Maximize your company savings on everyday overheads. The globally recognised Public Bank Visa Business card optimizes your purchasing power by offering an uncapped 0.8% cash rebate on all international transactions alongside a steady 0.3% unlimited cashback on your local business expenditures.
Comprehensive RM1 Million Corporate Travel Protection
Travel for business with absolute confidence. When you charge your company's full travel arrangements to the Public Bank Visa Business card, you and your team are automatically protected with complimentary travel insurance of up to RM1,000,000. This extensive safety net actively covers unexpected travel inconveniences, including flight and luggage delays, lost baggage, missed connecting flights, sudden trip cancellations, and vital emergency repatriation expenses.
Public Bank Flexipay Plan
Keep your company expenses manageable without heavy interest burdens. The Public Bank Flexipay Plan lets you smoothly split substantial retail purchases into affordable, structured monthly payments. By converting large outlays into predictable instalments, you bypass high tiered interest charges and retain vital cash flow for your business operations.
Public Bank Balance Transfer
Regain control of your finances by moving your high-interest card debt from other banks into a single, structured account. The Public Bank Balance Transfer program lets you choose flexible repayment terms stretching from 6 up to 48 months. Enjoy peace of mind with promotional interest rates as low as 0% for 6 months or ultra-low upfront fees starting at just 1%.
Establish your business identity while optimizing your cash flow. The Public Bank Visa Business card features dual embossing to prominently display both your name and your corporate entity on the card face. Take advantage of an extended interest-free grace period of up to 50 days to manage operational outlays with ultimate flexibility. Furthermore, seamlessly integrate your corporate spending with Public Bank's Business Services Platform to streamline order generation, track procurement data, and access exclusive commercial merchant discounts tailored for business growth.