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):
Salaried Employees (Malaysian)
- 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
Self-Employed (Malaysian)
- A copy of your IC (both sides)
- Latest 1 year official tax receipt
- Business Registration Certificate (SSM)
- Latest B Form with official tax receipt
- Latest EPF Statement
- Latest 3-6 months salary slip
- Latest 3 months bank statements
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.
Terms and Conditions
Product review by CompareHero
What Is the Public Bank Visa Business Card?
The Public Bank Visa Business Card is a corporate credit card designed for Private Limited and Listed Companies. It helps businesses manage operational expenses with unlimited cashback on domestic and international spending, complimentary travel insurance, flexible credit terms, and worldwide Visa acceptance.
Benefits of the Public Bank Visa Business Card
- Earn 0.8% unlimited Cash Back on eligible international transactions.
- Earn 0.3% unlimited Cash Back on eligible domestic transactions, including fuel, insurance, government payments and other qualifying purchases.
- Enjoy complimentary travel insurance with annual coverage of up to RM1,000,000.
- Personalise your card with both the cardholder's name and company name embossed on the card.
- Benefit from credit terms ranging from 20 to 50 days, subject to the statement cycle.
- Reduce paperwork and improve procurement efficiency when managing business expenses.
- Make secure contactless payments worldwide wherever Visa is accepted and enjoy participating merchant offers through the Business Services Platform.
Unlimited Cash Back
The Public Bank Visa Business Card rewards both domestic and international business spending.
Earn 0.8% unlimited Cash Back on eligible international transactions and 0.3% unlimited Cash Back on eligible domestic transactions, including fuel, insurance, government payments and other qualifying purchases.
Selected transactions may not qualify for Cash Back under Public Bank's prevailing terms and conditions.
Travel and Business Benefits
The Public Bank Visa Business Card includes complimentary travel insurance with annual coverage of up to RM1,000,000, helping protect authorised cardholders during eligible business travel.
The card can also be personalised with both the cardholder's name and company name, making it suitable for managing corporate expenses.
Businesses also benefit from credit terms ranging from 20 to 50 days, depending on the billing cycle, providing greater flexibility when managing cash flow.
To support procurement and expense management, the card helps reduce paperwork, save administrative time, and improve efficiency by simplifying purchasing and order tracking.
The card is accepted worldwide wherever Visa is accepted and supports contactless payments. Cardholders can also enjoy participating merchant offers through the Business Services Platform.
Business Eligibility
The Public Bank Visa Business Card is available to:
- Private Limited Companies.
- Listed Companies.
- Companies with a minimum of two years' business operation.
- Companies with a minimum paid-up capital of RM100,000.
How to Apply
Eligible companies can apply for the Public Bank Visa Business Card through Public Bank, subject to the bank's approval criteria and credit assessment.