Public Bank Visa Commercial credit card

Public Bank Visa Commercial

Give yourself and your company a controlled line of credit for efficient cash flow management - only for registered public and private companies.

  • 18% p.a. interest rate
  • 25 days interest-free period
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM150.00 annual fee

Apply online now for Public Bank Visa Commercial

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Because you should be rewarded for giving the bank your business

Balance Transfer
Enjoy 0% interest for 6-month balance transfer. Minimum credit balance transfer is RM5000.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1% one-time upfront handling feefrom RM1000 
12 months0% p.a. and 3% one-time upfront handling feefrom RM2000 
24 months0% p.a. and 5.5% one-time upfront handling feefrom RM3000 
36 months0% p.a. and 7% one-time upfront handling feefrom RM6000 
Learn more about Public Bank Balance Transfer
Easy Payment Plan (EPP)
Shop now, pay later! With the Public Bank Zero Interest Installment Plan, spread your payments for up to 36 months, subject to the selected merchant's offer. All the other purchases are eligible to enrol to Public Bank Flexipay Plan for instalment up to 24 months.
Pay OverWith Interest Rate AtWhen You Spend
6 months1% one-time upfront handling feefrom RM1000 
9 months2% one-time upfront handling feefrom RM2000 
12 months3% one-time upfront handling feefrom RM1000 
24 months5.5% one-time upfront handling feefrom RM2000 
36 months7% one-time upfront handling feefrom RM3000 
Learn more about Public Bank Flexipay Plan
Free Automatic Travel Insurance of up to RM1 million when charging your travel arrangements to this credit card - Claim for inconvenience due to luggage delay, luggage loss, flight delay, missed connecting flight, trip cancellations and repatriation expenses.
Travel CoverageSum Insured
Travel InsuranceUp to RM1000000
The ability to control credit card usage by employees - Impose spending limits controls including control on the number of transactions done anytime, anywhere.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • First year free
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Late payment fee


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Who can Apply
Any Business


Get some extra help from your credit card when you need it most

Easy Payment Plan
Public Bank Flexipay Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
Public Bank Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Public Bank Visa Commercial review

What's so good (or not so good) about it?

A corporate credit card that empowers employees to stock up on inventory directly from suppliers without the hassle of cumbersome payment processes.

Improve business management

Limit and regulate the spending of your workers -  with this credit card you control employee spending. By giving clear instructions to Public Bank you can oversee all spending and validate only work related expenses on the Public Bank Visa Commercial card. No need to worry about an employee shortchanging your business?

Stop wasting time keeping tabs of purchase orders, invoices and other antiquated processes from suppliers by consolidating all cost centers on one great credit card. That means less paperwork, and more time managing a successful business!

Full Travel Protection

Flying in clients calls for lots of preparation and anxiety, so why not fly your marketing team all the way to them! Not to worry, the Public Bank Visa Commercial has got you covered with Travel Insurance Protection for you and your employees for up to RM1 million, encompassing accidents and inconvenience experienced during the course of your trip.

Purchase Protection Insurance

Fear your company credit card being misused by an employee? You'll be protected against losses that might be caused due to an employee's negligence, under the Corporate Liability Waiver Insurance program.

Attractive Credit Terms

What's a credit term you ask? It's a standard banks use to control your monthly and total credit limit, your repayment periods, and your penalty fees or discounts.

Public Bank will allow you a 25 days on your credit terms. That means, you can be given a longer time to settle your credit card expenses before late penalty fees kick in!

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