Public Bank · Visa Infinite · Cashback

PB Visa Infinite

Good for

Spend abroad earns 1% cash back, with no cap.
No annual fee for life, for you and your first supplementary card.
5 free Plaza Premium lounge visits a year worldwide, and up to RM500,000 travel accident cover.

Local spend earns only 0.3% cash back.
Petrol, insurance, e-wallet reloads, government payments and JomPAY earn nothing.
Spend in a foreign currency carries a 1.25% fee, more than the 1% cash back.

Cash back, as a share of what you spend.

Spending	Earns	Details
Spending in shops or online in a foreign currency	1%
Spending in shops or online in ringgit	0.3%
Petrol, Insurance, Government / LHDN / JPJ and more	Nothing	Petrol, Insurance, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

How it's paid: Credited to your card account every month From Public Bank's product disclosure sheet of 5 December 2023. The current sheet no longer describes it.
When you lose it: Card cancelled, suspended or restricted by the bank If the bank cancels, suspends or restricts the card, for example after missed payments, the cardmember agreement says all card benefits are cancelled or suspended at once. The bank has no rule written for the cash back itself.

Airport lounges: 5 free visits a year Plaza Premium. Worldwide. Each visit needs RM1,000 of spend in the 30 days before or after it. Shared with your supplementary cards. The current program runs to 31 December 2026.
Overseas spending fee: 1.25% 1.25% Public Bank spread, on top of the card network's rate

Free. Travel cover starts once you charge the full fare to this card.

Travel accident: Up to RM500,000 Plus up to RM300,000 for your spouse and RM200,000 for your children.
Travel inconvenience: Lost luggage up to RM1,000 Flight delay or missed connection up to RM400. Luggage delay up to RM400. Trip cancellation up to RM400.
Shopping and fraud cover: Online purchases up to USD200 Covers items not delivered, wrong or incomplete, or damaged. USD200 a year in total.
Insurer: Lonpac Insurance Berhad Travel cover. Online purchase cover is from AIG, through Visa.

What it costs if you don't pay in full, or use it for cash.

Annual fee: Free for life No spending needed to keep it free.
Extra (supplementary) cards: Free for the first card RM250 a year for each further supplementary card.
Service tax: RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest: 15%, 17% or 18% a year Depends on how reliably you paid over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment: 5% of the balance, or RM50 Whichever is higher, plus any installments and any amount over your limit.
Late payment: 1% of the balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal: RM4.90 plus 0.39% in Malaysia RM5.10 plus 0.65% abroad. Plus 18% a year interest. No interest-free days.

Income: RM100,000 a year or more
Age: 21 or older Extra cardholders from 18.
Documents: Employees: your latest payslip, EA statement, EPF statement or employment letter
Self-employed: your latest year's tax return or tax receipt. Company directors also need 6 months of company account statements
Overtime, commission or fee income: the latest 6 months of payslips or statements showing it
Income from abroad: your latest 3 months' payslips and an employment letter

Concierge: Visa Concierge A digital assistant and lifestyle guide from Visa, all day, all year.
Pay by phone: Google Pay, Samsung Pay
Card network: Visa Infinite