Public Bank Visa Commercial
Secure a controlled credit line for your Sdn Bhd or Listed company. Optimize cash flow and manage corporate spending with the Public Bank Visa Commercial.
Eligibility
Minimum Monthly Income
N/A
Min. Age
Cardholder: 21 years old
Resident Status
Open to Private Limited and Listed companies only
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
18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for first year
Interest Rate
18%
Features
Flat Rate Uncapped Cash Back on All Operations
Maximize your corporate savings without keeping track of complex tier restrictions. The Public Bank Visa Commercial card offers a straightforward, uncapped 0.5% unlimited cash back on every transaction your business makes. Most importantly, this consistent rebate directly applies to your highest corporate overhead expenditures. This ensures your company earns rewards on everything from essential fleet petrol and insurance premiums to official government purchases and operational payments.
Comprehensive RM1 Million Corporate Travel Coverage
Travel on business with absolute peace of mind. When you charge your complete travel arrangements to the Public Bank Visa Commercial card, you automatically receive complimentary travel insurance protection of up to RM1,000,000. This extensive corporate policy safeguards you against standard transit setbacks by providing clear coverage for travel inconveniences, including flight and luggage delays, lost baggage, missed connecting flights, unexpected trip cancellations, and crucial emergency medical repatriation expenses.
Public Bank Flexipay
Manage your commercial outlays on your own terms. With the Public Bank Flexipay Plan, you can split large corporate or retail purchases into predictable monthly instalments for up to 48 months. Instead of traditional compounding interest, you pay a simple, low, one-time upfront handling fee. Because this plan is entirely bank-processed, you enjoy the total freedom to convert eligible expenditures from any merchant without relying on specific store promotions.
Public Bank Balance Transfer
Regain control of your operational or personal finances by moving high-interest card debt from other banks into a single, structured account. The Public Bank Balance Transfer program gives you the freedom to choose flexible repayment periods stretching from 6 up to 48 months. You can secure peace of mind with promotional interest rates as low as 0% for 6 months or ultra-low upfront fees starting at just 1%.
Professional Corporate Branding and Optimised Credit Terms
Strengthen your corporate identity while maximizing operational cash flow. The Public Bank Visa Commercial card offers dual embossing to feature both your name and your company name on the card face. Gain greater financial leeway with flexible credit terms extending up to 55 interest-free days to manage your organizational outlays. Additionally, integrate your commercial spending with Public Bank's Business Services Platform to simplify procurement, track order generation efficiently, and tap into exclusive business partner discounts.