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.

Public Bank Visa InfiniteFree for life
Min. Income
RM8,333.33/month
Annual Fee
Free
Cashback
up to 2%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREERM180 Lazada e-voucherwhen you apply through RinggitPlus3

RM180 Lazada e-voucher

Cashback

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

Cashback categoryCashback rateMonthly capSpend
on retail purchases locally0.3%RM80from RM1 and above monthly
on retail purchase overseas2%RM80from RM1 and above monthly

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 RM500,000
Delayed FlightUp to RM400
Missed FlightUp to RM400
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM400

Premium

Open a current account with Public Bank without an introducer when you own a Public Bank credit card.

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% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 5.5% one-time upfront handling feefrom RM3,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM6,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

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.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months1% one-time upfront handling feeRM1,000
9 months2% one-time upfront handling feeRM2,000
12 months3% one-time upfront handling feeRM1,000
24 months5.5% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
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
  • RM250 supplementary card
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, 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
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM100,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
Public Bank Flexipay Plan
Tired of window shopping all the time? You can shop for anything at anywhere with instalment rate as low as 1% 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 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.

Review

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.

Spend & Be Rewarded

From 1 July until 31 October 2019, you will stand a chance to be rewarded with an exciting gift for spending your approved Public Bank Visa Infinite credit card. 

All you have to do is meeting the minimum spending requirement in each participating month to bring home any one of these gifts: (1) RM188 Cash Back, (2) Dyson v8 Fluffy, and (3) Huawei P30 Pro.

Minimum SpendCampaign Item
RM10,000RM188 Cash Back
RM50,000Dyson v8 Fluffy
RM80,000Huawei P30 Pro

Now, since the gift items are limited in unit, you may want to pay attention to some terms and conditions. So here goes: 

  • The Campaign Item is given on a first-come, first-served basis
  • You can only earn ONE (1) unit of Campaign Item throughout the campaign period
  • The Campaign Item will be given based on the FIRST qualifying spend you made throughout the campaign period
  • Your qualifying spend in a month cannot be combined with the qualifying spend in the following participating month.

For example: 

Ali's Public Bank Visa Infinite credit card just got approved in July. He spent RM5,000 in July and August respectively. In September, he made a RM100,000 transaction, whereas in October he only spent RM3,000 on his Public Bank credit card.

Ali is rewarded with a Huawei P30 Pro for making a qualifying spend of RM100,000 in September. 

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.