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 2% cashback
0% p.a. balance transfer over 36 months
Easy Payment Plan (EPP)
RM0.00 annual fee

Benefits
Fees & Charges
Requirements
Features
Review
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Live Free & Drive Easy with Your New Public Bank Credit Card

Complimentary RM200 Air Asia Voucher upon RM250 spent

2018-02-222019-05-31

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*Complimentary RM200 Air Asia Voucher! - Terms and Conditions apply.

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Benefits

Because you should be rewarded for giving the bank your business

Cashback

Get 2% Cash MegaBonus on every retail item spend outside of Malaysia. Earn 0.3% Cash MegaBonus on all retail purchases made locally.

Discover how much you can save when you shop with your new Public Bank Visa Infinite
Cashback Category		Cashback Rate	Monthly Cap	Spend
on retail purchases locally	Spendfrom RM1 and above monthly	0.3%	RM80	from RM1 and above monthly
on retail purchase overseas	Spendfrom RM1 and above monthly	2%	RM80	from RM1 and above monthly

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 Over	With Interest Rate At	When You Transfer
6 months	0% p.a. and 1% one-time upfront handling fee	from RM1000
12 months	0% p.a. and 3% one-time upfront handling fee	from RM2000
24 months	0% p.a. and 5.5% one-time upfront handling fee	from RM3000
36 months	0% p.a. and 7% one-time upfront handling fee	from 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 Over	With Interest Rate At	When You Spend
6 months	1% one-time upfront handling fee	from RM1000
9 months	2% one-time upfront handling fee	from RM2000
12 months	3% one-time upfront handling fee	from RM1000
24 months	5.5% one-time upfront handling fee	from RM2000
36 months	7% one-time upfront handling fee	from RM3000

Learn more about Public Bank Flexipay Plan

Pay Over	With Interest Rate At	When You Spend
3 months	0% p.a. and no one-time upfront handling fee	from RM500
6 months	0% p.a. and no one-time upfront handling fee	from RM500
9 months	0% p.a. and no one-time upfront handling fee	from RM500
12 months	0% p.a. and no one-time upfront handling fee	from RM500
18 months	0% p.a. and no one-time upfront handling fee	from RM500
24 months	0% p.a. and no one-time upfront handling fee	from RM500
30 months	0% p.a. and no one-time upfront handling fee	from RM500
36 months	0% p.a. and no one-time upfront handling fee	from 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 Coverage	Sum Insured
Travel Insurance	Up to RM500000
Delayed Flight	Up to RM400
Missed Flight	Up to RM400
Lost Luggage	Up to RM1000
Delayed Luggage	Up to RM400

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

Sales and Service Tax

RM25 on each principal and supplementary card upon approval and anniversary date

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.

You earn 0.3% unlimited Cash MegaBonus by spending your Visa Infinite credit card on any qualified retail purchases locally. You get 2% Cash MegaBonus when you spend overseas. These Cash MegaBonus will be credited into your credit card account every month.

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.