For comparison purposes only. Final terms are determined by the issuing bank.
Review
A No-Fee Infinite Card Built for Large Overseas Spending
The Bank Muamalat Visa Infinite-i is a rare Infinite-tier card that focuses on simplicity rather than aggressive reward mechanics. Instead of points or miles, it offers a cashback-first structure paired with a lifetime annual fee waiver, making it especially appealing to cardholders who value predictability and low holding costs.
The core strength of the card lies in its unlimited 1% cashback on overseas face-to-face transactions. While the percentage may look modest compared to specialised cashback cards, the lack of a cap makes it particularly effective for high-value overseas spending, where many higher-rate cards quickly hit monthly limits. Online spending is also rewarded at 1% cashback, capped at RM100 per month, offering meaningful coverage for larger digital purchases.
On the lifestyle front, the card includes a total of five lounge visits per year across the Plaza Premium Group ecosystem. This comprises two local Plaza Premium Lounge visits, one international Plaza Premium Lounge visit, and two Travel Club Lounge visits at selected Malaysian airports. While the overall access is generous for a no-fee Infinite card, the single overseas lounge visit does mean frequent international travellers may still want a secondary lounge-focused card.
Additional benefits include complimentary travel accident takaful coverage up to RM1 million (when flight tickets are charged in full to the card), outstanding balance takaful protection, and access to 0% instalment and balance transfer plans. Digital wallet support covers Google Pay and Samsung Pay, though Apple Pay is not supported.
Verdict: The Bank Muamalat Visa Infinite-i is best viewed as a low-maintenance Infinite card designed for users who prioritise uncapped overseas cashback, simple rewards, and zero annual fees. It is not built for maximising miles or high-percentage rebates, but for large spenders who want steady returns without complexity, it quietly does its job very well.
Pros
- Unlimited 1% cashback on overseas face-to-face spending, suitable for high-value transactions
- Lifetime annual fee waiver despite Infinite-tier positioning
- Includes Plaza Premium First and Travel Club lounge access
- Relatively high cashback cap for online spending (up to RM100 per month)
- Straightforward cashback structure without points or miles complexity
Cons
- Cashback rates are conservative compared to high-percentage specialised cashback cards
- Overseas lounge access is limited to one visit per year
- Local spending is not a key reward focus beyond basic contactless and online cashback
- Does not support Apple Pay, limiting usability for iOS users
- Not suitable for users focused on miles accumulation or premium travel rewards
Cashback
Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Airport Lounge Access
Program Name
Plaza Premium Group
Annual Visits
Eligible users
Access type
ComplimentaryRequirement
-
Applicable locations:
Program Name
Travel Club Lounge
Annual Visits
Eligible users
Access type
ComplimentaryRequirement
-
Applicable locations:
Lounge access is subject to bank-defined terms and may change over time.
For the full lounge list, please refer to the relevant official website.
Upcoming
Card benefits
0% Instalment Payment Plan
0% Installment Payment Plan for 6 & 12 months.
Travel Accident Takaful Coverage
Complimentary Travel Accident Takaful Coverage up to RM1,000,000.
Takaful Coverage On Outstanding Balance
Death Benefits (Max RM100,000), Total and Permanent Disablement (Max RM100,000), Funeral Expenses (RM1,000).
0% Balance Transfer Plan
0% Balance Transfer Plan for 6 Months.