Public Bank Visa Infinite
0.3% unlimited Cash MegaBonus on local retail spend
Apply for Public Bank Visa Infinite →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
Public Bank Public Bank Visa Infinite overview
The Public Bank Public Bank Visa Infinite is a Infinite-tier Visa cashback card built around cashback. 0.3% unlimited Cash MegaBonus on local retail spend. It best suits high-income earners, with a minimum income requirement of RM120,000 a year. It carries no annual fee. Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓0.3% unlimited Cash MegaBonus on local retail purchases
- ✓1% unlimited Cash MegaBonus on overseas retail purchases (cap removed eff. 1 May 2026, was 2% capped RM80/mo)
- ✓VIP Points awarded only via limited-time campaigns (valid 1 year)
- ✓5x complimentary Plaza Premium lounge visits worldwide
- ✓Travel insurance up to RM1,000,000
- ✓Annual fee waived with min. RM120,000/yr spend
Is the Public Bank Visa Infinite worth it?
The Public Bank Visa Infinite is best suited to high-income earners — its minimum income requirement is RM120,000 a year (about RM10,000 a month). As a cashback card, it works best for everyday spenders who want straightforward rebates on categories like petrol, groceries and dining.
- +Free for life — no annual fee
- +Complimentary airport lounge access
- +Complimentary travel insurance
- +Broad range of benefits and perks
- −Top cashback applies only to specific categories (flat-rate, no categories)
- −Higher income requirement — RM120k a year
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Cashback at a glance
The top rate rewards one main category — great only if that fits your spending. The maximum is the published monthly cap; actual cashback depends on the exact eligible categories, exclusions and minimum-spend terms — confirm the fine print below before you apply.
Eligibility & how to apply
Requirements are general guidance — Public Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the Public Bank Visa Infinite, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- Per PB's card-rewards exclusion list (pbebank.com "Exclusion List for Card Rewards", rev. 28 Jul 2025): instalment-plan payments (Flexipay/Zero Interest), balance transfers, auto-debit/recurring payments, utilities, insurance premiums, government payments, payments via pbebank.com or ATM, cash advance/quasi-cash, forex and casino transactions, interest/late fees/annual fees, and charity payments.
- How the cap works
- Both the 0.3% local and 1% overseas Cash MegaBonus are now uncapped — Public Bank removed the monthly cap (was RM80/month combined, 2% overseas rate) effective 1 May 2026.
- Foreign transaction fee
- 1.25% foreign-exchange spread on the converted Ringgit amount, per the general PB Credit Card PDS (not confirmed on this card's own product page).
- Fee waiver
- Free (conditions apply) — annual fee waived, see the card's official T&C for the exact spend/swipe condition.
- ⚠Cashback structure changed 1 May 2026: previously 2% overseas (capped RM80/month) + 0.3% local (same cap) → now 1% overseas + 0.3% local, both uncapped — older reviews/aggregators may still show the pre-revision capped rates
- ⚠VIP Points are only awarded via limited-time campaigns, not on everyday spend — don't confuse this with the points-earning World Mastercard
Verified 25 July 2026. Summarised in our own words from Public Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official Public Bank Visa Infiniteterms & product disclosure →Public Bank Visa Infinite FAQ
You need a minimum annual income of RM120,000 (about RM10,000 a month). Public Bank also considers your overall credit standing.
No — the Public Bank Visa Infinite is free for life with no annual fee.
It earns up to 0.3% cashback on flat-rate, no categories. 0.3% unlimited Cash MegaBonus on local retail spend.
No — the Public Bank Visa Infinite is a conventional credit card. Check with Public Bank for any Islamic (card-i) equivalent.
It's a good fit for high-income earners who want cashback — its main draw is "0.3% unlimited Cash MegaBonus on local retail spend". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the Public Bank Visa Infinite compares
This card features in our ranked shortlists — compare it against the best in each category:
Rates, fees and promotions are indicative and time-limited — always confirm current terms with Public Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by Public Bank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.