Public Bank Visa Infinite credit card

Public Bank Visa Infinite

No annual fee for life premium credit card offering unlimited Cash MegaBonus and Air Miles with every spending, free travel insurance and 3x airport lounge access.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 0.3% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Live Free & Drive Easy with Your New Public Bank Credit Card

Complimentary RM200 AEON Voucher upon RM250 spent


RinggitPlus will help you all the way! No wait for call, no paper form to fill in, just a simple chat.

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Spend any amount on any retail items locally and overseas to earn 0.3% unlimited Cash MegaBonus, credited to your account every month!
Discover how much you can save when you shop with your new Public Bank Visa Infinite
Cashback CategoryCashback RateMonthly CapSpend
on retail purchases locally and overseasSpendfrom RM1 and above monthly0.3%uncappedfrom RM1 and above monthly
Rewards
For every RM10,000 spent on overseas transaction you earn 7,000 Air Miles, which can be redeemed with 1,000 Enrich Miles or 2,000 AirAsia BIG Points, capped at RM500,000 overseas spending each year with 1-year validity period.
Balance Transfer
Take advantage of savings and flexibility when you transfer your outstanding credit card debts to Public Bank credit card to benefit from low one-time upfront interest starting from 0%.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.5% one-time upfront handling feefrom RM500 
6 months0% p.a. and 0% one-time upfront handling feefrom RM2000 
12 months0% p.a. and 3% one-time upfront handling feefrom RM1000 
24 months0% p.a. and 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)
Enjoy low and competitive interest rate starting from 0% p.a. with flexible repayment terms of your choice with Public Bank credit card instalment plans.
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feefrom RM500 
6 months0% one-time upfront handling feefrom RM1500 
9 months2% one-time upfront handling feefrom RM2000 
12 months3% one-time upfront handling feefrom RM1000 
24 months5% one-time upfront handling feefrom RM2000 
36 months7% one-time upfront handling feefrom RM3000 
Learn more about Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM500 
6 months0% p.a. and no one-time upfront handling feefrom RM500 
9 months0% p.a. and no one-time upfront handling feefrom RM500 
12 months0% p.a. and no one-time upfront handling feefrom RM500 
18 months0% p.a. and no one-time upfront handling feefrom RM500 
24 months0% p.a. and no one-time upfront handling feefrom RM500 
30 months0% p.a. and no one-time upfront handling feefrom RM500 
36 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Public Bank Zero Interest Installment Plan
Travel
3x complimentary access to Plaza Premium Lounges in Malaysia in a year and free travel insurance coverage including claim for travel inconveniences worth RM500,000 when you charge your flight tickets to Visa Infinite credit card.
Travel CoverageSum Insured
Travel InsuranceUp to RM500000
Premium
Open a current account with Public Bank without an introducer when you own a Public Bank credit card.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
  • First supplementary card free
Annual Fee for Supplementary Card
RM250.00
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Are you eligible for this credit card?

Minimum annual income
RM100000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

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

Easy Payment Plan
Public Bank Flexipay Plan
Public Bank Zero Interest Installment 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 Infinite review

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

Suitable for high net worth individuals looking to simplify expenses in one premium credit card, Public Bank Visa Infinite credit card's benefits and privileges go to infinity and beyond with every swipe.

Free for Life

It is worth noting that Public Bank Visa Infinite credit card is a free for life premium travel credit card ever issued by Public Bank. This should encourage you to spend more and reap the benefits and privileges of being Public Bank credit card holders.

Unlimited Cash MegaBonus

One of the keys to abundance of wealth is by spending smart. With this in mind, Public Bank Visa Infinite credit card lets you outsmart your spending habit with a Cash MegaBonus feature, allowing you to earn back cash that is spent.

It is very easy to earn 0.3% unlimited Cash MegaBonus; by swiping your Visa Infinite credit card on any qualified retail transactions. Cash MegaBonus will be credited into your credit card account every month.

Air Miles on Overseas Spending

If you are a frequent flyer, then this premium travel credit card will do you justice in your next overseas trips. Public Bank Visa Infinite credit card rewards you extra Air Miles when you swipe on retail transactions overseas. 

It is easy; for every RM10,000 charged to your Visa Infinite credit card, you will earn 7,000 Air Miles. This Air Miles can be redeemed with 1,000 Enrich Miles (if you are an avid fan of our national steel bird) or 2,000 AirAsia BIG Points (if you love flying with low-cost airlines).

The maximum Air Miles is capped at RM500,000 overseas spending per year and has 1-year validity period.

Travel Perks

Free Travel Insurance

Get a complimentary travel insurance coverage worth RM500,000, including compensation for travel inconveniences such as delayed flight or missed flight, and delayed luggage or lost luggage. Just charge your travel arrangement to Visa Infinite credit card to qualify.

Complimentary Access to Airport Lounge

Enjoy 3x free access to Plaza Premium Lounge in Malaysia when you flash your Visa Infinite credit card at selected airports. In the premium lounge, you get to indulge in the comfort of privacy and exclusivity while waiting for boarding call - what a way to begin a journey.

Line of Credits

0% Balance Transfer

Recover your sleepless nights and hair falls for worrying over credit card debts with Public Bank Balance Transfer plan, easing your financial distress by offering a low one-time upfront charges, low minimum spending requirement and flexible repayment terms.

0% Instalment Plans

Like what you see but can't afford the purchase? With Public Bank’s Zero Interest Installment Plan (ZIIP), you have the privileges to swipe on the goods or services first then repay at a later date, i.e. one month after the successful EPP conversion.

First thing first, check if your merchants are ZIIP-approved, or else you can opt for Public Bank Flexipay Plan, which is also a flexible credit card instalment plan for purchases made at non-participating merchants at a small fee.

Cash Advance

Are you strapping for cash? Make your way to Public Bank branches or any ATMs nearby to withdraw some cash from your Visa Platinum credit card at a small fee.

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