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Public Bank Visa Infinite

Public Bank Visa Infinite

Receive up to 1.6% cash back and earn air miles when you spend. To top it all off, the annual fee for this card is waived for life with no strings attached!

Interest Rate

15.0% p.a.

Balance Transfer

0.0% p.a.

Cashback

up to 1.6%

Annual Fee

Free

Cash back
1.6% Cash Back

Get 1.6% cash back on overseas retail transactions and 0.8 cash back on local transactions

Travelling
Air Miles Conversion

Every RM10,000 spent on overseas transactions per annum earns you 7,000 air miles

Pass
Plaza Premium Lounge Access

Enjoy 5X complimentary visits per year to plaza premium lounges in Malaysia!

Travel protection
Free Travel Insurance

Enjoy free Flight Travel Personal Accident coverage up to RM1,000,000 as well as Credit Card Balance insurance coverage.

Features

Cash Back

Cash back
Cash Back Category Cash back Rate Monthly Cap Spend
All Local Retail 0.5% RM150 from RM1 up to RM30000 monthly
All Local Retail 0.8% uncapped from RM30001 and above monthly
All Overseas Retail 1% RM300 from RM1 up to RM30000 monthly
< >All Overseas Retail 1.6% uncapped from RM30001 and above monthly
Dining 50% RM50 any amount monthly
  • 50% dining cash back only available on Fridays

Air Miles Redemption

Travel
Earn Spent
7,000 Air Miles RM10,000 spent on overseas transactions
  • Capped at RM500,000 of overseas spending each year

Balance Transfer

Balance transfer
Pay Over With Interest Rate At When You Transfer
6 months 0% p.a. and 1% one-time upfront handling fee from RM500
6 months 0% p.a. and 0% one-time upfront handling fee from RM6000
12 months 0% p.a. and 2.5% one-time upfront handling fee from RM1000
24 months 0% p.a. and 5% one-time upfront handling fee from RM3000
36 months 0% p.a. and 7% one-time upfront handling fee from RM6000

Easy Payment Plan

Easy payment
Pay Over With Interest Rate At When You Spend
6 months 1% one-time upfront handling fee from RM500
9 months 0% one-time upfront handling fee from RM2000
12 months 2% one-time upfront handling fee from RM1000
24 months 5% one-time upfront handling fee from RM2000
36 months 7% one-time upfront handling fee from RM3000
  • Buy the things you've always wanted with payment terms of up to 24 months and low interest rates.

Fees and Charges

Annual fee Free for life
Annual Fee for Supplementary Card Free for life
Minimum monthly payment RM50 or 5% of outstanding amount
Late payment fee RM10 or 1% of outstanding amount, up to maximum of RM100
Cash withdrawal fee RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest rate on cash withdrawals 18%
*inclusive of 6% GST

Interest Rate

15% Interest Rate Per Annum Tier 1: Cardholders with prompt payments for 12 consecutive months
17% Interest Rate Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
18% Interest Rate Per Annum Tier 3: Cardholders who do not fall under the above categories.

Requirements

Minimum Annual Income RM 150,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old

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