Public Bank Quantum MasterCard
Have no annual fees for life and get more spending benefits out of your credit card with 2% cashback on overseas transactions and earning VIP Points on local retail spend!
2% cashback for overseas transactionsProduct summary
- Min. Income
- RM3,000/month
- Annual Fee
- Free
- Cashback
- up to 2%
- Balance Transfer
- From 0% p.a.
- Easy Payment Plan
- From 0% p.a.
- Interest Rate
- 15% p.a.
- Interest-free
- 20 days
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Cashback
Don't forget to use your Quantum MasterCard when you shop overseas. Spend at least RM100 per transaction and you can get 2% cashback, capped at RM20 per month.
| CASHBACK CATEGORY | CASHBACK RATE | MONTHLY CAP | SPEND |
|---|---|---|---|
| Overseas Transaction | 2% | RM20 | from RM100 or above |
Rewards
Pay more and earn more as for every Ringgit you spend with the Quantum MasterCard, you are actually rewarding yourself a 1x VIP Point. Accumulated VIP Points will expire in 3 years, so don't miss the chance to redeem exclusive gifts for yourself with the VIP Points!
| Earn | Spend |
|---|---|
| 1 point on every RM1 | local retail transactions |
Balance Transfer
Take advantage of savings and flexibility when you transfer your outstanding credit card debts to a Public Bank credit card to benefit from low one-time upfront interest.
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 months | 0% p.a. and 1% one-time upfront handling fee | from RM1,000 |
| 12 months | 0% p.a. and 2.5% one-time upfront handling fee | from RM1,000 |
| 24 months | 0% p.a. and 4.5% one-time upfront handling fee | from RM1,000 |
| 36 months | 0% p.a. and 6.5% one-time upfront handling fee | from RM1,000 |
| 48 months | 0% p.a. and 9.5% one-time upfront handling fee | from RM1,000 |
Easy Payment Plans
Exclusive for Quantum MasterCard cardholders, you are entitled to a flexi-payment offer that will give you 1% interest for 12 months. You only need to spend a minimum of RM1,200. Otherwise, you can choose from other choices of tenure below.
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 12 months | 2% one-time upfront handling fee | RM1,000 |
| 24 months | 4% one-time upfront handling fee | RM1,000 |
| 36 months | 6% one-time upfront handling fee | RM1,000 |
| 48 months | 8% one-time upfront handling fee | RM1,000 |
Fees & Charges
- Annual Fee
- RM0 primary card
Free for life
- RM0 supplementary card
- RM0 primary card
- Sales and Service Tax
- RM25 on each principal and supplementary card upon activation and anniversary date
- Minimum Monthly Payment
- RM50 or 5% of outstanding amount, whichever is higher
- Late Payment Fee
- RM10 or 1% of outstanding amount, up to a maximum of RM100
- Cash withdrawal Fee
- RM20 or 5% of withdrawn amount, whichever is higher
- Interest Rate on Cash Withdrawals
- 18%
- Contact-less Payment Methods
- MasterCard PayPass
Requirements
- Minimum Annual Income
- RM36,000
- Minimum Age
- 21 years old primary card
- 18 years old supplementary card
- Who can apply
- Anybody
Features
- Easy Payment Plan
- Public Bank Flexipay Plan
- Tired of window shopping all the time? You can shop for anything anywhere with an instalment rate as low as 2% with this Public Bank Flexipay Plan.
- Balance Transfer Plans
- Public Bank Balance Transfer
- Fancy paying as low as 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.
Review
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- Min. Income
- RM3,333.33/month
- Annual Fee
- Free*
- Cashback
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Public Bank Quantum Visa
- Min. Income
- RM3,000/month
- Annual Fee
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- Cashback
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Public Bank Petron Visa Gold
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- Annual Fee
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Public Islamic Bank Visa Gold Credit Card-i
- Min. Income
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- Annual Fee
- Free*
- Cashback
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Public Bank Visa Signature
- Min. Income
- RM6,666.67/month
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- Cashback
- up to 2%
Public Bank Visa Gold
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- Annual Fee
- Free*
- Cashback
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Public Bank Visa Infinite
- Min. Income
- RM8,333.33/month
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- Cashback
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Public Bank AIA Visa Gold
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Public Bank Quantum MasterCard
- Min. Income
- RM3,000/month
- Annual Fee
- Free
- Cashback
- up to 2%
Public Islamic Bank Platinum MasterCard Credit Card-i
- Min. Income
- RM3,333.33/month
- Annual Fee
- Free*
- Cashback
- up to 2%
Public Bank Gold MasterCard
- Min. Income
- RM2,000/month
- Annual Fee
- Free*
- Cashback
- up to 0.1%
Public Bank Platinum MasterCard
- Min. Income
- RM4,166.67/month
- Annual Fee
- Free*
- Cashback
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Public Bank World MasterCard Credit Card
- Min. Income
- RM8,333.33/month
- Annual Fee
- Free
- Cashback
- No
Public Islamic Bank Gold MasterCard Credit Card-i
- Min. Income
- RM2,000/month
- Annual Fee
- Free*
- Cashback
- up to 1%
Public Bank Visa Business
- Min. Income
- N/A
- Annual Fee
- Free*
- Cashback
- up to 0.8%
Public Bank Visa Commercial
- Min. Income
- N/A
- Annual Fee
- Free*
- Cashback
- up to 0.5%
Mutual Gold Public Bank Visa Platinum
- Min. Income
- N/A
- Annual Fee
- Free
- Cashback
- up to 0.3%
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