Public Bank Visa Infinite

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

Public Bank Visa InfiniteNo annual fee and travel benefits
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
Panasonic NanoeX Air Purifier
worth RM599
when you apply through RinggitPlus *

Panasonic NanoeX Air Purifier

Our Previous Winners


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

on retail purchases locally0.3%RM80from RM1 or above monthly
on retail purchase overseas2%RM80from RM1 or above monthly


3x complimentary access to Plaza Premium Lounges in Malaysia in a year and free travel insurance coverage including claim for travel inconveniences worth up to RM500,000 when you charge your flight tickets to 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 50% discount on Will and Wasiat Writing service fee at PB Trustee Services Berhad. Get covered with e-Commerce Purchase Protection programme of up to USD1,000 per claim every year when you make online purchases, subject to terms and conditions.

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 1.5%.

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 an upfront interest rate starting from as low as 1.5% with flexible repayment terms of your choice with Public Bank credit card installment plans.

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

    Waived when Second and subsequent supplementary cards will be charged RM250 per card

  • 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.


Public Bank Visa Infinite - Enjoy Unlimited Cash MegaBonus

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. You get 2% Cash MegaBonus when you spend overseas.

These Cash MegaBonus will be credited into 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 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 a 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 charge, 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 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 - 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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