Public Bank Visa Infinite credit card

Public Bank Visa Infinite

An exclusive credit card from Public Bank with up to 1.6% unlimited cash back, fast airmile conversions, and free travel insurance.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 0.5% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Get A RM200 Lazada e-Voucher With Your New Public Bank Credit Card!

Get A RM200 Lazada e-Voucher With Your New Public Bank Credit Card!

Apply online now for Public Bank Visa Infinite

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Earn up to 0.8% cashback on all local retail purchases excluding petrol and 1.6% on overseas retail purchases. No maximum cashback limit.
Discover how much you can save when you shop with your new Public Bank Visa Infinite
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM1 and above monthly0.5%uncappedfrom RM1 and above monthly
Rewards
For every RM10,000 spent on overseas transaction you can redeem 1,000 Enrich Airmiles or 2,000 AirAsia BIG Points. Capped at RM500,000 overseas spending each year.
Balance Transfer
Why pay high interest charges when you can transfer your credit card debts using the Public Bank Balance Transfer. Pay 0% interest for 6 months and no upfront handling fees when you transfer above RM6,000!
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1% one-time upfront handling feefrom RM500 
6 months0% p.a. and 0% one-time upfront handling feefrom RM6000 
12 months0% p.a. and 2.5% 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)
All your purchases are eligible to enrol to Public Bank Flexipay Plan for tenures up to 24 months.
Pay OverWith Interest Rate AtWhen You Spend
6 months1% one-time upfront handling feefrom RM500 
9 months0% one-time upfront handling feefrom RM2000 
12 months2% 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
Travel
Free travel insurance coverage of up to RM2,000,000 when you charge your flight tickets to your credit card. Complimentary 5x access to Plaza Premium Lounges across Malaysia in a year.
Travel CoverageSum Insured
Travel InsuranceUp to RM2000000

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
RM265.00
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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
payWave

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM150000
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
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?

Discover a world of infinite experiences at your fingertips. The Public Bank Visa Infinite is designed for affluent jetsetters to travel in style and ease – with complimentary Plaza Premium Lounge access, higher cashback rebates and flyer miles rewards. It’s a luxury few can afford!

Unlimited Cashback

Sick of tiered cashback rates? There’s value in simplicity, especially when its savings that are coming your way. Earn up to 0.5% cashback on all local and overseas purchases with your Public Bank Visa Infinite. So earn cashback everywhere you go.

Mileage On Your Spending

It’s not just cashback. For every RM10,000 that you spend on overseas transactions a month you’ll earn 7,000 Air Miles which can be used to redeem 1,000 Enrich Airmiles or 2,000 AirAsia BIG Points. That’s a double conversion on all your overseas expenditure with your Public Bank Visa Infinite. You’ll be jet-setting to your ideal getaway faster than ever.

Plaza Premium Lounge Access

Kick back and relax after you’re done with your transit shopping at Plaza Premium Lounges across Malaysia. You’ll get 5x complimentary access with your Visa Infinite in a calendar year. Otherwise you’ll have to pay a lounge access fee of RM84.80.

Free Travel Insurance

Frequent travel can be risky business, so swipe your tickets with you Visa Infinite and get up to RM2,000,000 in travel insurance coverage. You’ll also get covered for delays and lost of luggage, flight delays, missed connections, cancellations and repatriation expenses.

Free For Life

The entry limit for the Public Bank Visa Infinite is set high – you’ll need to earn a minimum of RM150,000 a year to qualify. But membership won’t cost you a thing! The annual fees for both your primary and supplementary cards have been waived for life. Enjoy infinite benefits and privileges at no cost to you.

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