In Malaysia, Public Bank is a financial institution trusted by the public. Its bank card business, with a rich variety of products and diverse benefits, meets the financial needs of different customer groups. Today, let's take an in-depth exploration of Public Bank's bank cards together and bring you a super detailed analysis guide to help you choose the right bank card and enjoy rich benefits.

I. Classification and Advantages of Credit Cards

(I) High-End Credit Cards

• PB Visa Infinite Credit Card: This credit card is tailor-made for high-income individuals, with a minimum annual income requirement of 100,000 Malaysian Ringgit. The principal card and the first supplementary card enjoy a lifetime exemption from the annual fee, and each subsequent supplementary card only costs 250 Malaysian Ringgit. Its biggest highlight is the generous consumption rewards. You can get up to 2% cash super bonus for every 1 Malaysian Ringgit spent, which can accumulate into a considerable cashback income for large daily expenses. In addition, cardholders can enjoy the use of the Plaza Premium VIP lounge in Malaysia 3 times a year, allowing them to enjoy a comfortable resting environment while waiting at the airport and enhancing their travel experience. At the same time, this card automatically comes with a travel insurance of up to 500,000 Malaysian Ringgit, protecting your travel. Whether it is domestic or international travel, you can set off with peace of mind. It also supports Visa Paywave contactless payment, which is convenient and quick and can be widely applied to various consumption scenarios. Moreover, with this card, you can open a current account without an introducer at any branch of Public Bank, making it more convenient to handle other financial businesses.
• PB World MasterCard Credit Card: It also has a minimum annual income requirement of 100,000 Malaysian Ringgit, but the advantage of lifetime free makes it quite competitive in the high-end credit card market. It focuses on points rewards. You can earn up to 3 times AirMiles points for every 1 Malaysian Ringgit spent, which is very attractive to consumers who often travel by plane or are keen on redeeming air miles. By accumulating points through daily consumption, you can quickly redeem airline tickets, upgrade cabins and other aviation benefits. It also has 3 times of VIP lounge usage rights per year, enjoying similar airport privileges as the PB Visa Infinite Credit Card. It is also equipped with a travel insurance of 500,000 Malaysian Ringgit automatically, ensuring travel safety. It supports Mastercard PayPass contactless payment, making the payment process smooth and natural. It also gives cardholders the right to open a current account without an introducer at any branch of Public Bank, and the convenience is self-evident.

(II) PB Visa Signature Credit Card

This card is aimed at customers with a minimum annual income requirement of 80,000 Malaysian Ringgit. The annual fee for the principal card is 388 Malaysian Ringgit, and that for the supplementary card is 200 Malaysian Ringgit. However, the annual fee is waived for the first year, and as long as you swipe the card at least 12 times in the first 12 months, the annual fee for subsequent years can be waived. In this way, for cardholders with stable consumption ability and who can meet the number of swipes, it is almost equivalent to a long-term exemption from the annual fee. Its consumption rewards are quite substantial, and you can enjoy a 2% cashback, turning daily consumption into real cash income. At the same time, you can also earn green and VIP points, which can be further redeemed for gifts, coupons or other value-added services. You can also enjoy the use of the VIP lounge 2 times a year, and you can experience high-end resting services even for occasional travels. It is also equipped with a travel insurance of 500,000 Malaysian Ringgit automatically and supports Visa Paywave contactless payment function. The payment is easy and convenient, and you can open a current account without an introducer, making financial business handling more efficient.

(III) PB Visa Commercial Card

It is specially designed for private limited companies and listed companies, with an annual fee of only 150 Malaysian Ringgit. Its advantages are mainly reflected in business expenses. All transactions can get a 0.5% unlimited cashback. Whether it is the purchase of raw materials, payment of office expenses or travel expenses, etc., cashback can be accumulated, which helps enterprises reduce costs and optimize financial expenditures. Moreover, this card can effectively reduce paperwork and employees' time costs, simplify the enterprise's financial process and improve operational efficiency. It also has attractive credit terms, helping enterprises better control cash flow and credit limits, providing strong support for enterprises in terms of capital turnover, etc., and at the same time providing travel protection, adding a sense of security for business people who often travel on business.

(IV) PB Quantum Credit Card

This card has a relatively low minimum income requirement, 36,000 Malaysian Ringgit per year, and it is free for life. It is very suitable for young people or those who have just entered the workplace and are in the initial stage of income. For Visa cards, you can get a 1% cashback when the contactless transaction reaches 100 Malaysian Ringgit, with a monthly limit of 20 Malaysian Ringgit; for Mastercard cards, you can get a 2% cashback when the overseas transaction reaches 100 Malaysian Ringgit, with the same monthly limit of 20 Malaysian Ringgit. Such a cashback rule can bring certain cashback when meeting daily small consumption and occasional overseas shopping, reducing the consumption burden, and it is very suitable as a basic consumption cashback card.

(V) PB Visa Platinum Credit Card and PB Platinum MasterCard Credit Card

Both are aimed at customers with a minimum annual income requirement of 50,000 Malaysian Ringgit. The annual fee for the principal card is 333 Malaysian Ringgit, and that for the supplementary card is 150 Malaysian Ringgit. The annual fee is waived for the first year, and if you swipe the card at least 12 times in the first 12 months, the annual fee for subsequent years can be waived, and the usage cost is relatively reasonable. The PB Visa Platinum Credit Card earns a 0.2% unlimited cash super bonus for every 1 Malaysian Ringgit spent, and the PB Platinum MasterCard Credit Card earns 1 time of VIP points for every 1 Malaysian Ringgit spent, creating value for cardholders through cashback and points accumulation respectively, which can be used to redeem corresponding benefits. At the same time, they both automatically get a travel insurance of 500,000 Malaysian Ringgit, ensuring travel safety. They respectively support Visa payWave and MasterCard PayPass contactless payment, and the payment experience is smooth and convenient. With this card, you can also open a current account without an introducer, making it more smooth to handle business at the bank.

(VI) Mutual Gold - PB Visa Platinum Credit Card

This is an invitation-based application card for the Gold Card and Elite Members of the Public Trust Fund. The principal card applicant must be at least 21 years old. As long as the membership status is maintained, it is free for life, which is equivalent to a special welfare card tailor-made for this membership group. Cardholders automatically get a travel insurance of 500,000 Malaysian Ringgit, ensuring travel safety, and can also open a current account without an introducer, making it convenient for various financial transactions. For members, it cleverly combines financial services with membership rights and interests, saving worry and effort.

(VII) Public Islamic Bank Visa Platinum Credit Card - i

It follows Islamic Shariah, with a minimum annual income requirement of 40,000 Malaysian Ringgit. The annual fee for the principal card is 333 Malaysian Ringgit, and that for the supplementary card is 150 Malaysian Ringgit. The annual fee is waived for the first year, and if you swipe the card at least 12 times in the first 12 months, the annual fee for subsequent years can be waived. Its feature is that you can earn a 2% cashback for online and overseas transactions. For Muslims who are keen on online shopping and have overseas consumption needs, this right can bring practical economic benefits. At the same time, it supports Visa payWave contactless payment, providing a convenient payment experience on the basis of conforming to Shariah, and you can also open a current account without an introducer at Public Bank or Public Islamic Bank, meeting daily financial needs.

(VIII) PB Visa Gold Credit Card and PB Gold MasterCard Credit Card

Both have set a minimum annual income requirement of 24,000 Malaysian Ringgit. The annual fee for the principal card is 150 Malaysian Ringgit, and that for the supplementary card is 100 Malaysian Ringgit. The annual fee is waived for the first year, and if you swipe the card at least 12 times in the first 12 months, the annual fee for subsequent years can be waived, which is suitable for the general income group. You can earn a 0.1% unlimited cash super bonus for every 1 Malaysian Ringgit spent, and it can also be a small income accumulated in daily life, which can be used as a basic card for daily consumption. And both can open a current account without an introducer, making it more convenient to handle savings, transfer and other businesses at Public Bank.

(IX) Cooperative Exclusive Credit Cards

1. PB - Petron Visa Gold Card: The minimum annual income requirement is 24,000 Malaysian Ringgit, and it is free for life. For those who often drive and have frequent refueling needs, it is the best choice. You can get a cashback of up to 5% when consuming at Petron gas stations, which greatly reduces the refueling cost. In addition, you can also earn a 0.1% unlimited cash super bonus for other retail consumption, bringing additional income for cardholders' daily shopping. At the same time, it provides a personal accident insurance of up to 20,000 Malaysian Ringgit, adding an extra sense of security for travel, and you can also open a current account without an introducer, making it more convenient for income and expenditure management.
2. PB - AIA Visa Gold Card: It also has a minimum annual income requirement of 24,000 Malaysian Ringgit, and it is free for life. There is a 0.2% cashback for insurance premiums. For customers who have purchased AIA insurance, they can get back a part of the funds when paying the premiums daily, and other consumption also enjoys a 0.1% cash super bonus, protecting the rights and interests of daily consumption. It supports Visa payWave contactless payment, easily completing various payment scenarios, and also gives the convenience of opening a current account without an introducer.

(X) Debit Cards under Islamic Shariah

1. Public Islamic Bank Visa Gold Credit Card - i: The minimum annual income requirement is 24,000 Malaysian Ringgit. The annual fee for the principal card is 150 Malaysian Ringgit, and that for the supplementary card is 100 Malaysian Ringgit. The annual fee is waived for the first year, and if you swipe the card at least 12 times in the first 12 months, the annual fee for subsequent years can be waived. You can earn a 1% cashback for online transactions, meeting the cashback needs of Muslims for daily online shopping. On the basis of conforming to Shariah, cardholders can enjoy the benefits of online consumption. It supports Visa payWave contactless payment, which is convenient and fast, and you can open a current account without an introducer, and there is no obstacle to handling financial business.
2. Public Islamic Bank Platinum MasterCard Credit Card - i: The minimum annual income requirement is 40,000 Malaysian Ringgit. The annual fee for the principal card is 333 Malaysian Ringgit, and that for the supplementary card is 150 Malaysian Ringgit. The annual fee is waived for the first year, and if you swipe the card at least 12 times in the first 12 months, the annual fee for subsequent years can be waived. You can earn a 2% cashback for transactions in grocery stores and department stores, focusing on daily procurement and shopping consumption scenarios, providing high cashback for cardholders, conforming to Islamic Shariah, supporting MasterCard PayPass contactless payment, and you can open a current account without an introducer at Public Bank or Public Islamic Bank, ensuring the convenience of financial transactions.
3. Public Islamic Bank Gold MasterCard Credit Card - i: The minimum annual income requirement is 24,000 Malaysian Ringgit. The annual fee for the principal card is 150 Malaysian Ringgit, and that for the supplementary card is 100 Malaysian Ringgit. The annual fee is waived for the first year, and if you swipe the card at least 12 times in the first 12 months, the annual fee for subsequent years can be waived. You can earn a 1% cashback for grocery transactions, fitting the scenarios of small and frequent consumption such as daily grocery shopping and purchasing daily necessities, returning benefits, conforming to Islamic Shariah, supporting contactless payment, and you can also open a current account without an introducer at Public Bank or Public Islamic Bank, meeting basic financial needs.

II. Classification and Features of Debit Cards

(I) PB RCB MasterCard Premier Debit Card

This debit card is specially designed for high-net-worth individuals and is divided into two levels, RCB Elite and RCB Gold. The RCB Elite requires a total deposit of 1 million Malaysian Ringgit or more, and the RCB Gold requires a total deposit between 300,000 and 1 million Malaysian Ringgit, and it is exempt from the annual fee. It earns interest monthly according to the daily balance of the debit card account. It not only provides cardholders with daily payment and settlement functions but also enables the funds in the account to achieve stable appreciation, enjoying the exclusive customized financial services provided by the bank for high-net-worth customers, highlighting the cardholder's noble status and wealth strength.

(II) PB Visa Lifestyle Debit Card, PB Mastercard Lifestyle Debit Card and PB UnionPay Lifestyle Debit Card

These three types of debit cards all require holding an account with Public Bank to apply for, with an annual fee of only 8 Malaysian Ringgit, and the cost is very low. They are ideal payment tools for the daily consumption of the general public. They all have the function of earning interest monthly according to the daily balance of the account, achieving a small but stable income accumulation in daily fund management, allowing cardholders to take into account the appreciation needs of funds while making daily expenses, managing personal finances simply and conveniently, and easily coping with various payment scenarios in daily life, such as shopping, dining, transportation, etc.

(III) PB - Petron Visa Debit Card

Both the principal card and supplementary card applicants must be at least 12 years old. For those aged 12 - 18, their parents or guardians need to fill in the relevant signature forms, and it is free for life, reducing the usage cost of cardholders. It is very cost-effective for consumers who often drive and have frequent refueling needs. You can get a 0.5% cashback when consuming at Petron gas stations, and a considerable amount of refueling costs can be saved in the long run. It also earns interest monthly according to the daily balance of the account, combining payment and financial management functions, bringing practical value to cardholders.

(IV) PB Visa Debit Card

Both the principal card and supplementary cardholders must be at least 12 years old. For those aged 12 - 18, their parents or guardians need to fill in the relevant signature forms. The annual fee for the principal card is 24 Malaysian Ringgit, and that for the supplementary card is 12 Malaysian Ringgit. However, the annual fee is waived for the first year, and if you swipe the card at least 12 times in the first 12 months, the annual fee for subsequent years can be waived. As long as you maintain a certain level of card swiping activity, you can easily be exempt from the annual fee. It is simple, safe and convenient, and can stably play its role in daily payment scenarios. Whether it is offline physical shopping or online network consumption, it can provide cardholders with a smooth payment experience. At the same time, it earns interest monthly according to the daily balance of the account, helping cardholders achieve stable appreciation of funds, and it is a basic good helper for the public's daily life payment.

(V) PB UTAR MasterCard Debit Card and PB TAR UMT MasterCard Debit Card

Both are specially designed for specific student groups. The principal card and supplementary card applicants must be at least 12 years old. For those aged 12 - 18, their parents or guardians need to fill in the relevant signature forms, and it is free for life, reducing the economic burden on students. For students of UTAR and TAR UMT, this card is very practical in the payment scenarios of study and life inside and outside the campus. The simple, safe and convenient payment function allows students to easily cope with daily expenses. Earning interest monthly according to the daily balance of the account also allows students to have a preliminary income experience in financial management and cultivate a good awareness of fund management.

(VI) PB Corporate MyDebit Card and PB Visa Commercial Card

• PB Corporate MyDebit Card: It requires holding an account with Public Bank to apply for, with an annual fee of 8 Malaysian Ringgit. It is low-cost and practical, mainly aimed at corporate users, and is used for the daily small and convenient payment and settlement of enterprises, such as the procurement of office supplies, the daily reimbursement of employees and other matters. It is easy to operate and meets the basic financial expenditure needs of enterprises, improving the payment efficiency of enterprises.
• PB Visa Commercial Card: It is only applicable to private limited companies and listed companies. It requires the enterprise to have at least 2 years of business operation time and a minimum paid-up capital of 100,000 Malaysian Ringgit. The annual fee is 150 Malaysian Ringgit, and the annual fee is waived for the first year. At least 12 swipes per card per year can exempt the annual fee. It focuses on the business expenses of enterprises, and the business expenses can get a cashback of up to 0.8%. For enterprises that frequently conduct business procurement, travel arrangements and other matters, it can effectively save expenses. It also helps enterprises optimize cash flow, procurement and expense management, making the financial situation of enterprises clearer and more controllable, and it is widely recognized globally, enhancing the corporate image and highlighting the corporate identity. At the same time, it provides free travel insurance and online reporting tools, adding protection for business people who often travel on business. Enterprises can also better monitor and manage financial data through online reporting tools and make reasonable financial decisions. It also has attractive credit terms, providing strong support for the capital turnover and business expansion of enterprises.

III. Interpretation of the Account Opening Process

(I) Detailed Dismantling of the Online Account Opening Steps

The first step is to log in to the official website of Public Bank and find the "Cards - All Cards" section, where various bank card products of the bank are gathered, making it convenient for you to browse all the available card types at a glance. The second step is to carefully read and deeply understand the account opening qualification requirements and required materials of the selected card. This step is very crucial, because only by meeting the qualification requirements and preparing complete materials can the account opening application be smoothly advanced and avoid the delay or return of the application due to the lack of materials and other issues. The third step is to make a choice between "Resume Application" (suitable for the situation where the application has been started but not completed before) and "Apply Now" (suitable for the first application of the card) according to your actual situation. The fourth step is to accurately complete various operations such as data entry and document upload in turn according to the prompts on the screen, including filling in personal basic information, contact information, income situation, etc., and uploading scanned copies of required supporting documents and other materials. Ensure that all information is true and accurate, because these information will be used as an important basis for the bank to review whether you meet the card issuance conditions.

(II) List of Required Documents and Precautions

• Employed Persons: You need to prepare the latest month's payslip, which can intuitively reflect the current income level; or the latest EA statement, which is an official declaration document for Malaysian employers to pay remuneration to employees and has high credibility; or the Employee Provident Fund (EPF) statement, which can also reflect the employment and income situation from the side; or a work certificate letter or employer confirmation letter, which is issued by the employer to confirm the employment relationship and work situation. You can choose one or a combination of these documents to effectively prove the stable income source of employed persons, so that the bank can evaluate the repayment ability and credit card limit, etc.
• Self-Employed Persons: You need to provide the tax return or tax receipt for the most recent 1 year. The tax payment record is an important reference for measuring the business situation and income level of self-employed persons and can more truly reflect their economic strength; company directors also need to provide the company's cash and savings account (CASA) statement for the most recent 6 months additionally, further showing the company's capital flow and financial health status, assisting the bank in evaluating their personal and the company's overall financial situation, so as to determine whether to approve the card issuance and the corresponding credit limit.
• Persons with Unstable Income: In view of the uncertainty of income, you need to provide the overtime income certificate, commission statement/voucher, expense statement/voucher, etc. for the most recent 6 months to prove that there are additional income sources in the recent period; at the same time, you also need to provide the dividend statement/voucher and interest statement/voucher for the most recent 3 years to show the long-term relatively stable dividend, financial management income and other income situations. These documents are comprehensively used to reflect the overall income ability and financial situation, so that the bank can understand the diversity of the repayment fund sources and increase the success rate of the account opening application.
• Persons with Other Income Sources: If you obtain income by renting real estate, you need to provide the lease agreement; if you receive a pension or annuity, you need to provide the pension statement or annuity statement. These documents can clearly reflect the stable non-salary income source and help the bank accurately evaluate whether their economic strength meets the card issuance requirements.
• Persons with Overseas Income: You need to provide the payslip for the most recent 3 months to intuitively reflect the recent income situation; Singapore residents also need to provide the Singapore Assessment Notice/IRBA Form/IBRE Form for the most recent 2 years. These are official documents related to income issued by the Singapore tax department and can accurately reflect their income level and tax payment situation in Singapore; Brunei residents need to provide the payslip deposit account statement reflecting the salary receipt for the most recent 3 months, proving the stable receipt of income from the perspective of capital flow. These detailed materials are helpful for the bank to conduct a comprehensive and accurate review of the complexity of overseas income.

Finally, after preparing the materials, you need to mail the signed PB card application form and supporting documents to the PB Card Service Office (the specific address is the 10th floor of Public Bank's headquarters, 146 Jalan Ampang, P.O. Box 11722, 50754 Kuala Lumpur, Tel: 03 - 2170 8000). However, it should be noted that the documents will not be returned. Therefore, it is recommended to keep copies or electronic scanned copies of important documents before mailing for your own subsequent reference and other needs to ensure that the entire account opening application process proceeds in an orderly manner.

IV. Clear Charging Standards

(I) Explanation of Credit Card Charging Items

• Annual Fee: The annual fees of different credit cards vary. For example, the Visa Signature Credit Card is fully exempt from the annual fee in the first year, and in subsequent years, as long as you swipe the card at least 12 times within the first 12 months, the annual fee for that year can be waived. Such an annual fee exemption policy reduces the long-term cardholding cost to a certain extent and encourages cardholders to actively use the card for consumption to maintain the normal use status of the card and enjoy the corresponding rights and interests. However, for some high-end cards such as the PB Visa Infinite Credit Card and PB World MasterCard Credit Card, although they have higher annual fees, the rich rights and interests and high-value reward returns they provide are relatively reasonable compared with the comprehensive income for users who often use credit cards and have strong consumption ability, which is equivalent to exchanging the annual fee for high-quality services and generous consumption rewards.
• Joining Fee: Most credit cards have no joining fee for the principal card and supplementary card, which means that new customers do not need to pay an additional joining fee when applying for a credit card, reducing the threshold for applying for a card for the first time, making it easier for everyone to start using a credit card and attracting more potential customers to choose the bank's credit card products.
• Financial Expenses: They are charged in grades according to the repayment record. If the minimum repayment amount is paid on time for 12 consecutive months, an annual interest rate of 15% will be charged on the outstanding balance. This relatively low annual interest rate is a preferential treatment given by the bank to customers with good credit records, encouraging everyone to repay on time and in full and maintain a good personal credit record; while for cash advances, an annual interest rate of 18% will be charged. The higher interest rate setting is because cash advances themselves have higher risks, such as the difficulty in monitoring the use of funds and the easy occurrence of excessive overdrafts. Therefore, a high interest rate is used to restrict cardholders' cash advance behavior and guide the rational use of the credit card's overdraft function.
• Cash Advance Fee: It is not applicable to most credit cards, that is, generally the bank does not charge a separate cash advance fee. However, it should be noted that in addition to the possible high interest cost, cash advances may also affect the available credit limit of the credit card, etc. Therefore, unless it is an emergency, it is generally not recommended to conduct cash advances frequently.
• Late Payment Fee: If the minimum repayment amount is not paid on time, a minimum of 10 Malaysian Ringgit or 1% of the total outstanding balance on the statement date (whichever is higher) will be charged, with a maximum of 100 Malaysian Ringgit. Such a charging rule aims to urge cardholders to fulfill their repayment obligations on time, maintain a good credit cycle, avoid the risk of fund recovery caused by late repayment to the bank, and at the same time remind cardholders to plan their personal funds reasonably and ensure timely repayment to avoid additional fees and bad credit records.
• Monthly Minimum Repayment Amount: It is 5% of the current balance plus the monthly installment amount (if any) and the excess part of the credit limit (if any), with a minimum of 50 Malaysian Ringgit, whichever is higher. This setting provides cardholders with a relatively flexible repayment method. When the funds are temporarily tight, they can choose to repay the minimum repayment amount first to avoid late repayment. However, it should be noted that only repaying the minimum repayment amount will generate corresponding interest expenses in the subsequent period, which will increase the repayment cost in the long run. Therefore, it is recommended that cardholders try to repay in full when the economic conditions permit to make full use of the interest-free period of the credit card and achieve more economical consumer credit.
• Interest-Free Period for Retail Purchases: All retail purchases have an interest-free period of 20 days (25 days for the PB Visa Commercial Card), provided that all outstanding balances of the previous month are fully paid on the due date. The interest-free period is a preferential treatment given by the bank to cardholders, allowing consumers to consume first and then repay, and they do not need to pay interest within the specified interest-free period. This is equivalent to the bank providing cardholders with a short-term interest-free loan to a certain extent, which helps cardholders better plan their capital turnover. However, they need to strictly comply with the conditions of the interest-free period, that is, repay the previous period's arrears in full and on time, otherwise they will not be able to enjoy the interest-free treatment and will instead generate interest expenses.
• Overseas Transaction Conversion Fee: Taking the US dollar as the base currency, it is converted according to the exchange rate on the transaction posting date, and an additional 1.25% (2.25% for the PB Visa Commercial Card) exchange rate spread is added, and the cardholder bears the exchange risk. Due to the frequent fluctuations in the exchange rate market, the existence of the overseas transaction conversion fee makes cardholders bear certain exchange rate conversion costs and exchange rate fluctuation risks when using credit cards for overseas consumption or transactions. Therefore, before conducting overseas transactions, cardholders can pay attention to the exchange rate trend in advance, do a good job in risk management, or choose some credit cards with foreign exchange preferential activities to reduce the cost of overseas transactions. At the same time, the bank follows the internationally accepted exchange rate conversion rules during the conversion process to ensure the fairness and transparency of the conversion.
• Sales Document Retrieval Fee: The original document is 5 - 15 Malaysian Ringgit per set, and the copy is 5 - 10 Malaysian Ringgit per set. When cardholders or merchants need the bank to provide the original or copy of historical transaction vouchers, the bank will charge a certain retrieval fee, which is to compensate for the costs incurred by the bank in file management, manual retrieval, etc. At the same time, it also reminds cardholders to keep their transaction vouchers properly after daily consumption to avoid additional expenses caused by unnecessary document retrieval.
• Paper Monthly Statement Fee: It is 10 Malaysian Ringgit per month, but some groups (such as Visa Classic/Standard Mastercard credit card members, the elderly aged 60 and above, etc.) are exempt. With the development of digital finance, the bank encourages customers to obtain monthly statements through electronic channels. However, for some customers who are used to paper statements, the bank still provides paper monthly statement services, but will charge a certain fee to cover the costs of printing, mailing and other aspects of paper documents. The exemption for specific groups reflects the bank's humanistic care and differentiated services.
• Additional Monthly Statement Application Fee: It is 5 Malaysian Ringgit per set. If cardholders need to apply for additional monthly statements due to loss, damage or other reasons, the bank will charge this fee. Also based on the consideration of cost compensation, at the same time, it reminds cardholders to keep each issue of monthly statements properly to avoid the inconvenience and cost caused by repeated applications.
• Credit Card Service Tax: Both the principal card and the supplementary card are 25 Malaysian Ringgit per year. This is a fixed tax fee charged by the bank for credit card services, which belongs to the regular fee item. Cardholders need to pay it on time during the use of the credit card to maintain the normal use of the card and the continuous provision of services.
• PB Visa Direct Service Fee: It is 10 Malaysian Ringgit per transaction. PB Visa Direct is a specific service provided by the bank. When cardholders use this service for transactions, they need to pay the corresponding fee per transaction. This service may provide cardholders with certain additional conveniences or functions, but the bank will clearly inform the service content and charging standards in advance, and it is up to the cardholders to choose whether to use it independently to ensure the transparency and rationality of the charging.

(II) Sorting out of Debit Card Charging Items

• Annual Fee: Some debit cards, such as the Petron Visa Debit Card, are free for life. For cardholders who use this card for a long time, it saves a fixed expense and reduces the usage cost, allowing them to use the card for daily payment and fund management with more peace of mind; while for cards like the PB Visa/Mastercard/UnionPay Lifestyle Debit Card, etc., the principal card is charged, and the supplementary card has no annual fee. The principal cardholder needs to pay a certain annual fee, but the supplementary card is free, which is convenient for families and other groups to jointly use the account associated with a debit card for payment. The principal cardholder can decide according to the usage situation of family members whether to apply for a supplementary card and whether to accept the principal card's annual fee to enjoy the overall debit card service.
• Joining Fee: All debit cards have no joining fee, which is very user-friendly. It means that whether new or old customers apply for a debit card, they do not need to pay an additional joining fee, reducing the threshold for applying for a card for the first time, allowing more people to easily own their own debit card, start a convenient payment and savings journey, attracting more potential customers to choose the bank's debit card products, and expanding the bank's customer base.
• Differentiated Cash Withdrawal Fee: Withdrawing cash through Public Bank's ATMs is mostly free, which is convenient for customers to withdraw cash for free within the bank's ATM network, encouraging customers to give priority to using the bank's ATM resources and improving the customer experience; while for some debit cards, a fee of 1 Malaysian Ringgit is charged for each transaction when using other banks' ATMs. The fee has been restored since February 1, 2022. This is a cost-sharing mechanism for ATM transaction resources among banks. When withdrawing cash across banks, other banks will charge a certain agency fee, etc. to the bank, so the bank will appropriately transfer this part of the cost to the cardholder, reminding cardholders to consider this additional cost when choosing to withdraw cash across banks, and plan the withdrawal method and location reasonably to save expenses.
• Card Replacement Penalty: For some debit cards, it is 12 Malaysian Ringgit. When a debit card needs to be replaced due to loss, damage, etc., the bank will charge a card replacement penalty, which is to compensate for the labor and material costs incurred by the bank in card production, mailing, system update and other links. At the same time, it also reminds cardholders to keep their debit cards properly to avoid unnecessary troubles and economic losses caused by card loss or damage.
• Overseas Transaction Conversion Fee: Similar to credit cards, it is converted based on the US dollar as the base currency, and an additional 1.25% exchange rate spread is added, and the cardholder bears the exchange risk. Overseas transactions involve exchange rate conversion. Similar to credit cards, debit cards will also generate conversion fees when used overseas. When cardholders consume or withdraw cash overseas, they need to pay attention to the impact of exchange rate fluctuations on the transaction amount and do a good job in foreign exchange risk management. The bank follows the internationally accepted exchange rate rules during the conversion process to ensure the fairness and transparency of the conversion.
• Transaction Application/Sales Document Retrieval Fee: It is 10 Malaysian Ringgit for each request. When cardholders or relevant parties need the bank to provide the retrieval service of historical transaction applications or sales documents, the bank will charge this fee to compensate for the costs incurred by retrieving files, manual searching, etc. At the same time, it reminds cardholders to keep their transaction vouchers properly to avoid unnecessary expenses.
• Paper Monthly Statement Fee (if applicable): For some debit cards, it is 1 Malaysian Ringgit per month if requested monthly, but some groups can be exempt. When the bank provides paper monthly statement services, it will charge a certain fee according to the specific situation. This is also based on cost considerations, and the exemption for some eligible groups reflects the bank's preferential care policy. Cardholders can choose whether they need a paper monthly statement according to their own needs and the bank's regulations, or try to query the monthly statement through electronic channels to save costs.
• Additional Monthly Statement Application Fee: It is 5 Malaysian Ringgit for each request. If cardholders need to apply for additional monthly statements for various reasons, the bank will charge this fee, reminding cardholders to keep the monthly statements carefully and reduce the situation of repeated applications. The bank will operate in strict accordance with the process when handling such requests to ensure the service quality and the rationality of the fee charged.
• Balance Inquiry Fee: Through Public Bank and other banks' ATMs, most debit cards are free, which is convenient for cardholders to query the account balance at any time and understand the fund situation. However, in some special cases, such as frequent inquiries or inquiries through specific channels, fees may be charged. The bank will clearly inform the charging rules in advance to make cardholders clearly aware, ensuring the convenience and economy of the balance inquiry operation.
• Cash Withdrawal Fee at Point of Sale (POS): For some debit cards, a fee of 0.50 Malaysian Ringgit is charged for each successful transaction (up to 45.00 Malaysian Ringgit when executed on some cards). When conducting cash withdrawal operations at some POS terminals, the bank will charge this fee. This is because POS cash withdrawal involves additional transaction processing procedures and risk control costs. The bank balances the cost and profit by charging an appropriate fee. At the same time, it also reminds cardholders to pay attention to the fee situation when using the POS cash withdrawal function, plan the fund withdrawal method reasonably, and avoid unnecessary expenses.
• PB Visa Direct Service Fee: It is 10 Malaysian Ringgit per transaction. Similar to credit cards, when cardholders use the PB Visa Direct service of debit cards for transactions, they need to pay this service fee. The bank will clearly inform the service content and charging standards before providing the service, and it is up to the cardholders to choose whether to use it independently, protecting the cardholders' right to know and the right to choose.

Public Bank offers a rich and diverse selection of bank cards. Whether it is a credit card or a debit card, it provides precise matching financial services for people with different income levels, consumption habits, professional characteristics, and specific needs (such as travel, business, education, religion, etc.). From high-end Infinite Credit Cards and World MasterCard Credit Cards to various Gold Credit Cards suitable for the general public, as well as exclusive cards that meet the needs of specific groups such as business owners, students, and Muslims, each card contains unique advantages and benefits. The clear account opening process guide and transparent charging standards enable cardholders to know exactly what to expect throughout the entire process of applying for and using the card, allowing them to enjoy the convenience and benefits brought by the bank with peace of mind.

Now, you may wish to select the most suitable card for yourself from among the numerous bank cards of Public Bank according to your current financial situation and actual needs, and start a convenient, beneficial, and reassuring financial life journey, making the bank card a powerful assistant for your wealth management and adding luster to your daily life and career development. Through this comprehensive and detailed analysis article of Public Bank's bank cards, I believe you have a clearer understanding of how to choose a bank card. If you are interested in Public Bank's bank cards, or if you want to learn more about financial information and financial product information, please continue to pay attention to our website. We will bring you more valuable content to help you move forward steadily in the financial world, achieve the appreciation and preservation of wealth, and enjoy a high-quality life.

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