UPDATE: Sending the application form using snail mail and courier service requires different address. Check the correct address to use below.
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If your credit card or debit card doesn’t allow PayPal withdrawal, you may want to apply for a Public Bank Visa Electron debit card. I called up Public Bank’s customer service and was told that it will take at least three weeks before your debit card will be approved. That is very long so I asked him if there were “any other ways” to get it done faster.
He literally “lighted up” and told me there was. He sounded so cheerful and happy I thought that whatever method he was going to teach me would involve bribing or some other illegal means. I was wrong.
He helpfully told me that getting the Visa electron debit card approved is a very easy process. You can actually get it approved within a week or so, provided that you followed his advice and rushed the Public Bank’s staffs. So, here are the steps.
Step 1: Go to your nearest Public Bank branch and ask for the Visa Electron debit card application form. Grab the form and leave while smiling to the beautiful lady behind the counter. Fill up the form (of course, duh!).
Step 2: Photocopy the front and back of your IC. Cross it out and state that it is for Public Bank use only. That way, it won’t be misused for other illegal purposes.
Step 3: Write a check payable to “Public Bank Berhad“. The amount should be at least RM25. Write your full name and IC number behind the check. If you do not have a check book, don’t worry. Just send the application form and your photocopied IC. They will provide you with a bank account where you can transfer the money into later.
Step 4: Send your application form, photocopied IC and check (if any) to the address below. To shorten the time needed for the delivery, I will be sending it using overnight postal service like ABX Express.
If you plan to send using overnight courier service (eg. ABX Express, NationWide express, etc), send it to the following address:
Public Bank Credit Card Centre
10th Floor, Menara Public Bank
146, Jalan Ampang
50450 Kuala Lumpur
If you are sending using normal snail mail, send it to this address:
Public Bank Card Services
10th Floor, Menara Public Bank
146, Jalan Ampang
P.O. Box 11722
50754 Kuala Lumpur
Note: The address was given to me by the call centre staff and matches the address given in the Public Bank website. However, the address printed at the bottom of the application form shows that the postcode is 50754 instead. I will send it to the address above.
Step 5: Phone 03-21768000 to ask if they have received your application form. Tell them to process your application ASAP because it is urgent.
It will take at least 5 working days for your application to be approved. Phone them on the fifth day to check your application status again.
Your Visa Electron application should be approved within 7 working days (the quickest) if there are no other problems. I will be sending mine tomorrow.
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wow….so desperate to withdraw? I am going to ask Public Bank how they came to the RM value they credited to my account. Wondering what are the extra charges besides forex.
Do you mean no matter how we appy the card, we need to send the application form to Card Centre, including the usual and unusual way to complete the application?
How could the exactly same address has different postcode? Could it be possible that the staff give you the wrong postcode?
@Malcolm
If I am not mistaken, PayPal charges $5 per transaction and that’s it. Not sure if the bank charges anything else apart from the Forex though.
Quite desperate actually. Need the money to buy a Nikon D40x.
@KennyP
I don’t know if we must send the application forms in ourselves. I think we don’t need to. You can submit the form at your local branch and they will send it to KL (I think). I think if you send it through your local branch, it will take longer.
At first I thought the staff gave me wrong postcode as well but I checked the PB website under “contact us”, the postcode given by the staff matches the postcode in the website. Gleneagles Intan hospital is just across the road and the hospital’s postcode is the same (50450).
I just found out that postcode is a P.O box address, so it should be alright
7 working days? sure or not? i submitted the application form at the branch, they told me it will take around 1 month for me to receive the card wor… they also didn’t ask me to pay RM25 wor.. hmmm….
no charges if u withdraw from public bank atm, first yr annual fees waive, subsequent yr need to pay RM24.
I have a faster way, I wrote it on my blog and sent you a trackback.
You can skip step 1 to step 3 by submiting your application form on public bank’s website, http://www.pbebank.com/en/features/applyDCard.jsp?website=PBEBANK
@KennyP
Yeah, I called them again and was told there are two addresses to send to. If you want to send using snail mail, send it to the P.O. box. If courier service then send it to the first address that I gave. The details are updated in the post.
Cool, I didn’t know they have an online application form. However, in the form they require us to send our photocopied IC. Not sure if we still need to do that for the online application.
@Jys
According to the guy on the phone, he said the fastest it can be approved is 5 working days + delivery time. However, there is no guarantee. All accounts need to have a minimum balance of RM25 at all times. So, you either pay when applying or after that I am sure you need to as well.
The RM24 yearly fee will be discounted if you use your card to pay for things in that year. Eg:
1) RM300-600 discount 25% (pay RM18)
2) RM600-900 discount 50% (pay RM12)
3) RM900-1200 discount 75% (pay RM6)
4) more than RM1200 discount 100% (free)
After you submit the online application form, you will need to print out a paper called, “PB Card Online Application Customer Copy”, just sign on paper and put this together with your photocopied IC in the envelope.
Yesterday I sent my application with Poslaju to the first address you provided, luckily it’s not wrong even after you update your information.
@KennyP
Oh, that is good. Hopefully we can get it approved quick. Unfortunately, I called up customer service yesterday but they said my application still haven’t entered into the system. Public holiday is coming and I am not sure how long more will it take.
I sent my application form yesterday and tried to call the card center just now, you know what they told me?
I asked whether they receive my form, they called me to wait for one week of working days because their system do not has the data now.
OMG
@KennyP
Hmmm…I called them yesterday and the girl said maybe next week because now near raya etc. She sounded damn pissed off. Damn different attitude compared to the guy I talked the other night. Now I am thinking if I should try out Al Rahji but you pointed out some hidden charges etc. I just need my card quick, really quick.
hey just want to inform you, I’ve add a link to this post on my blog!!!
@darren
Thanks.
can i apply direct to the bank
@yuki
Yes.
how about RM24 application fee? Where and when to send app.fee ? And I don’t have a checkbook .
Please help me
THANK YOU .
@ponna
The annual fee is RM24 but the first time fee is at RM25. Don’t worry if you don’t have a checkbook. Just send in your application form without the check. After they process your application, you will receive a letter from them asking you to bank in the RM25 into an account.
although i dont have an PB account, but is it meaning that once i apply the visa electron card, it also create an account at the bank
@jacky
If you apply for the visa electron card, you will have an account for the visa electron debit card with Public Bank. However, savings account is not automatically created. It is a different account. You will need to apply for the savings separately.
if me as a student..can i apply this card????if can please send te reply……
mikey is you over 18 of age u are eligable to apply…
but I have my own question.
can a BANKRUPTCY person apply this?????????