Public Islamic Bank Visa Platinum Credit Card-i

Straightforward Cashback with Minimal Complexity

The Public Islamic Bank Visa Platinum Credit Card-i is positioned as a no-frills cashback card for users who prioritise online and overseas spending without navigating complex tier structures. Cardholders earn 2% cashback on online and overseas transactions, capped at RM15 per monthly statement cycle.

While the cashback rate itself is reasonable, the low monthly cap limits the card’s overall rebate potential. In practice, the maximum benefit is reached quickly, making this card more suitable for light-to-moderate spenders rather than those with high monthly online or foreign currency transactions.

The card carries an annual fee of RM333, but the waiver condition is relatively lenient, requiring only 12 swipes over the preceding 12 months. This effectively keeps the holding cost low for most active users. However, it is worth noting that local airport lounge access previously offered on this card has been removed following revisions, reducing its appeal as a travel-oriented option.

Additional features include a 0% FlexiPay instalment plan for purchases above RM1,000, as well as an automatic 0.1% donation from dining transactions to Yayasan Waqaf, capped at RM100 per month. The card also supports Google Pay and Samsung Pay, ensuring compatibility with common digital payment methods.

Verdict: This card works best as a simple cashback solution for users who value predictable returns on online and overseas spending and prefer an Islamic banking structure. However, the low cashback cap and removal of lounge benefits mean it is no longer competitive as a travel or high-reward primary card.