Public Bank Visa Infinite

No annual fee for life premium credit card offering Cash MegaBonus with every spending, free travel insurance and 3x free access to selected airport lounges in Malaysia.

Public Bank Visa InfiniteTravel benefits & no annual fee
Min. Income
Annual Fee
up to 2%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a Complimentary
Amazfit GTS 2 Mini Smartwatch
worth RM389
when you apply through RinggitPlus *

Amazfit GTS 2 Mini Smartwatch

Our Previous Winners


Get a 2% Cash MegaBonus on every retail item spent outside of Malaysia. Earn 0.3% Cash MegaBonus on all retail purchases made locally. The cashback payout is combined between principal and supplementary accounts.

Overseas retail purchases2%RM80from RM1 or above monthly
Local retail purchases0.3%RM80from RM1 or above monthly


3x complimentary access to selected Plaza Premium Lounges in Malaysia per year and free travel insurance coverage including claims for travel inconveniences worth up to RM500,000 when you charge your flight tickets to your Visa Infinite credit card.

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM400
Missed FlightUp to RM400
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM400


Get a 50% discount on Will and Wasiat's Writing service fees at PB Trustee Services Berhad.

Balance Transfer

Take advantage of savings and flexibility when you transfer your outstanding credit card debts to a Public Bank credit card to benefit from low one-time upfront interest.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 2.5%one-time upfront handling feefrom RM1,000
24 months0% p.a. and 4.5%one-time upfront handling feefrom RM1,000
36 months0% p.a. and 6.5%one-time upfront handling feefrom RM1,000
48 months0% p.a. and 9.5%one-time upfront handling feefrom RM1,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

Enjoy either zero interest rates or low one-time upfront fees with flexible repayment terms of your choice with Public Bank credit card instalment plans, subject to participating merchants.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feeRM1,000
9 months2% one-time upfront handling feeRM1,000
12 months2.5% one-time upfront handling feeRM1,000
24 months5% one-time upfront handling feeRM2,000
36 months6.5% one-time upfront handling feeRM3,000
48 months9% one-time upfront handling feeRM5,000
Learn more about Public Bank Flexipay Plan
Public Bank Zero Interest Installment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM500
9 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
30 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about Public Bank Zero Interest Installment Plan

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life without condition, but the second and subsequent supplementary cards issued will be charged an annual fee of RM250

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
Public Bank Flexipay Plan
Tired of window shopping all the time? You can shop for anything at anywhere with installment rate as low as 1.5% with this Public Bank Flexipay Plan.
Public Bank Zero Interest Installment Plan
Zero Interest means there's NO interest to pay for up to 36 months on retail transactions you choose to convert to Public Bank's Zero Interest Instalment Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying as low as 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.


Enjoy Unlimited Cash MegaBonus with Public Bank Visa Infinite

One of the keys to the 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. Meanwhile, you get a 2% Cash MegaBonus when you spend overseas.

These Cash MegaBonus will be credited to your credit card account every month.

Infinity travel perks

Free Travel Insurance

Get complimentary travel insurance coverage worth up to 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 your Visa Infinite credit card to qualify.

Complimentary Access to Participating Airport Lounges

Enjoy 3x free access to participating Plaza Premium Lounges in Malaysia when you flash your Visa Infinite credit card at selected airports. Check out the list of eligible Malaysia Plaza Premium Lounges and other terms and conditions of this privilege here.

In the premium lounge, you get to indulge in the comfort of privacy and exclusivity while waiting for a boarding call — what a way to begin a journey.

Beneficial line of credits

0% Balance Transfer

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

Flexible 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 and 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 Public Bank credit card at a small fee

Public Bank Visa Infinite is free for life!

It is worth noting that Public Bank Visa Infinite credit card is the 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 a Public Bank credit cardholder.

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