Public Bank Visa Infinite
Premium perks with no annual fee on the Public Bank Visa Infinite Credit Card
Eligibility
Minimum Monthly Income
RM 8,333 (RM 100,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Documents required to apply:
You will need to provide several documents such as (varies between different banks):
Salaried Employees (Malaysian)
- A copy of your IC (both sides)
- Latest 3-6 months salary slip
- Latest EA statement
- Latest EPF statement
- Letter of Employment or employer confirmation
Self-Employed (Malaysian)
- A copy of your IC (both sides)
- Latest 1 year Tax Returns/Receipts
- Latest 6 months company CASA statement (for company directors)
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for life without condition
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Good for Cashback, Travel & No Annual Payments
2% Cash MegaBonus for overseas retail purchases, capped at RM80 monthly 0.3% Cash MegaBonus for local retail purchases, capped at RM80 monthly
5X complimentary annual access to participating Plaza Premium Lounges worldwide with minimum accumulative retail transaction of RM1,000 within 30 days before or after each lounge access. Up to RM500,000 in travel insurance coverage
Get your online purchases covered from possible losses with an E-commerce Purchase Protection Plan worth up to USD 200 per claim Enjoy 50% off on Will and Wasiat Writing Service fee
Terms and Conditions
Product review by CompareHero
What Is the Public Bank Visa Infinite Credit Card?
The Public Bank Visa Infinite Credit Card is a premium rewards credit card designed for higher-income cardholders who want to earn Cash MegaBonus on everyday spending while enjoying travel and lifestyle privileges. It offers higher reward rates on overseas retail spending, complimentary airport lounge access, travel insurance coverage, and Visa Infinite benefits, making it suitable for frequent travellers and those who value premium card services.
Benefits of the Public Bank Visa Infinite Credit Card
- Earn 1% unlimited Cash MegaBonus on eligible overseas retail purchases.
- Earn 0.3% unlimited Cash MegaBonus on eligible local retail purchases.
- Enjoy five complimentary access to participating Plaza Premium Lounges worldwide per calendar year, subject to the programme's spending requirement.
- Complimentary automatic travel insurance coverage of up to RM500,000.
- Access Visa Concierge services for travel and lifestyle assistance.
- Receive e-Commerce Purchase Protection for eligible online purchases.
- Enjoy a 35% discount on Public Bank's Will and Wasiat Writing Service.
How Cash MegaBonus Works
Earn 0.3% unlimited Cash MegaBonus on eligible local retail purchases and 1% unlimited Cash MegaBonus on eligible overseas retail purchases. Cash MegaBonus is accumulated automatically from qualifying transactions and can be redeemed through Public Bank's Cash MegaBonus programme. Transactions excluded under the programme's terms and conditions do not earn Cash MegaBonus.
Airport Lounge Access
The Public Bank Visa Infinite Credit Card includes five complimentary access to participating Plaza Premium Lounges worldwide each calendar year.
To qualify for each complimentary lounge visit, you must accumulate at least RM1,000 in retail transactions within 30 calendar days before and/or after the lounge visit, in accordance with Public Bank's lounge programme terms and conditions.
Travel and Lifestyle Benefits
In addition to Cash MegaBonus, the Public Bank Visa Infinite Credit Card includes several travel and lifestyle privileges.
Cardholders receive complimentary automatic travel insurance coverage of up to RM500,000, subject to the policy terms and conditions. The card also provides access to Visa Concierge services for travel and lifestyle assistance, as well as e-Commerce Purchase Protection for eligible online purchases. Cardholders are also entitled to a 35% discount on Public Bank's Will and Wasiat Writing Service.
Fees and Charges
The principal card and the first supplementary card enjoy a free-for-life annual fee.
- Principal annual fee: Free for life.
- First supplementary card annual fee: Free for life.
- Government service tax: RM25 per card upon activation and every anniversary thereafter.
- Cash advance fee: 5% of the amount withdrawn or RM20, whichever is higher.
- Cash advance interest: 18% p.a., calculated from the transaction date until full repayment.
- Late payment charge: 1% of the outstanding balance, subject to a minimum of RM10 and a maximum of RM100.
- Minimum monthly payment: RM50 or 5% of the outstanding balance, whichever is higher.
Retail purchases are subject to Bank Negara Malaysia's tiered finance charges of 15% p.a., 17% p.a., or 18% p.a., depending on your repayment history.
Eligibility Requirements
To apply for the Public Bank Visa Infinite Credit Card, you must:
- Be at least 21 years old for a principal card.
- Be at least 18 years old for a supplementary card.
- Earn a minimum annual income of RM100,000.
Required Documents
Prepare the following documents when applying for the Public Bank Visa Gold Credit Card.
Identification documents
- MyKad, MyTentera, MyPR, MyKas or Police ID (front and back), where applicable.
- Passport (for passport holders).
Income documents(submit one, where applicable)
- Latest one month's salary slip.
- Latest EA Statement.
- Latest EPF Statement.
- Employment Letter or Employer Confirmation.
- Latest one year's Income Tax Return and Tax Receipt.
- Latest six months' Company CASA Statement (for Company Director).
Additional documents
- Valid Work Permit (for passport holders).
Public Bank may request additional supporting documents if required during the application process.
How to Apply
Compare the Public Bank Visa Infinite Credit Card with other credit cards on CompareHero and apply online in just a few steps. Eligible applicants may also enjoy exclusive sign-up offers, subject to the campaign's terms and conditions.