Public Bank Quantum MasterCard

Have no annual fees for life and get more spending benefits out of your credit card such as 2% cash back on overseas transactions and earning VIP Points on local retail spend!

Public Bank Quantum MasterCard2% cashback for overseas transactions
Min. Income
Annual Fee
up to 5%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

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JBL GO 4 Ultra-Portable Bluetooth Speaker
worth RM299
when you apply through RinggitPlus *

JBL GO 4 Ultra-Portable Bluetooth Speaker

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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. Additionally, get 5% cashback when you hit a minimum accumulative spend of RM2,000 monthly on online and insurance transactions, capped at RM50 per calendar month, valid until 14 August 2024 with terms applied. Do register via PBe (keyword: PBUY) or SMS PBUY to 68333 if you're keen!

Online and Insurance Transactions5%RM50from RM2,000 or above monthly
Overseas Transaction2%RM20from RM100 or above


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!

VIP Points
1 point on every RM1local retail transactions


Get a complimentary Public Bank Quantum Visa credit card when you sign up for this credit card - because two are better than one! Love shopping? Get your online goods protected from possible losses with e-Commerce Purchase Protection of up to USD200 per claim per annum, terms apply. Plus, enjoy a 50% discount on Will and Wasiat's Writing service fees. Give the Public Bank Trustee Services a call to find more details.

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 OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 2.5%one-time upfront handling feefrom RM1,000
24 months0% p.a. and 4.5%one-time upfront handling feefrom RM1,000
36 months0% p.a. and 6.5%one-time upfront handling feefrom RM1,000
48 months0% p.a. and 9.5%one-time upfront handling feefrom RM1,000
Learn more about Public Bank Balance Transfer

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.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months2% one-time upfront handling feeRM1,000
24 months4% one-time upfront handling feeRM1,000
36 months6% one-time upfront handling feeRM1,000
48 months8% one-time upfront handling feeRM1,000
Learn more about Public Bank Flexipay Plan

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

  • RM0 supplementary 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
Contact-less Payment Methods
MasterCard PayPass


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


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.


Shopping is the most celebrated activity in life. You can do it while taking advantage of cashback and rewards with a Public Bank Quantum MasterCard credit card.

Zero annual fees for life!

You must be thinking that there is a catch, right? But no! There is no hidden motive behind it. 

Both principal and supplementary cardholders of Public Bank Quantum MasterCard can equally enjoy free-for-a-lifetime card usage without any conditions.

Say bye-bye to credit cards that charge you a steep annual fee and turn to Public Bank Quantum MasterCard to get more for your money.

Double the cards with Public Bank Quantum

More good news for those wishing to sign up for Public Bank Quantum MasterCard today as you will get a complimentary Public Bank Quantum Visa credit card upon approval. Isn't two better than one?

Not to mention, you can also enjoy a 2% cashback on contactless spending with the said Quantum Visa card! Combine the cashback you get with Quantum MasterCard, it's a cashback galore.

2% cash back on overseas transactions

Do you like the idea of getting back your money after spending it? 

Well, the Public Bank Quantum MasterCard credit card gives you 2% cashback when you shop at least RM100 per transaction on overseas purchases.

Do you know that you can enjoy significant savings on your spending through a cash rebate, which is sort of a refund in a small percentage credited back into your credit card? All you need to do is spend, spend and spend! 

For every Ringgit spent on the category, you earn 2% cashback, capped at RM20 per month.

Highlights for Public Bank Quantum MasterCard

Public Bank Quantum MasterCard

Public Bank Quantum MasterCard

Highest cashback rate

2% cashback with a minimum spend of RM100

Highest cashback amount

RM20 per month

Eligible spend to earn the highest cashback rate

Overseas Transactions

Eligible Cardholder(s)

Principal and Supplementary

Public Bank Quantum MasterCard VIP Points

Cashback alone is not enough to deem a credit card's uniqueness. 

That's why Quantum MasterCard steps up its game with cashback and reward points features so that you can reap the benefits of this plastic card.

It's easy to collect VIP Points:

  • For every Ringgit spent on a local retail transaction, you earn 1 VIP Point. 

Put simply, RM3,000 worth of spending gets you 3,000 VIP Points. Do note that your VIP Points will expire in three (3) years, so don't forget to redeem special gifts for yourself with the accumulated VIP Points!

Special 0% Flexi-Pay for 12 months

Free up your monthly expenses with a flexible instalment plan that charges you zero interest on your conversion amount.

Exclusively for Public Bank Quantum MasterCard credit cardholders, you get to enjoy a 1% one-time upfront interest for a 12-month flexi payment plan.

To convert the amount to the Public Bank Flexipay Plan, just make a minimum transaction of RM1,200, then call Customer Service at +603 2176 8000.

You can also write to [email protected] within three days after the purchase or five days before the settlement date to enrol.

Public Bank Quantum MasterCard contactless function

Your Public Bank Quantum card is equipped with contactless functionality, where you simply need to tap or wave your card on the contactless terminal reader when making a payment at the checkout. 

  • No signature or pin is required for the retail purchase of RM250 and below in Malaysia.
  • The cumulative contactless transaction limit defaults to RM500.
  • The cumulative contactless transaction limit will be reset automatically after performing a transaction with a PIN entry.
  • To change the cumulative contactless transaction limit, or to turn off the contactless functionality, you may perform it via ATM / CRM or call Public Bank Card Services Help Desk at 03-2176 8000

24/7 Help Desk

If your credit card is stolen, tampered with or broken, there is a dedicated, round-the-clock Help Desk that is ready to assist you with any credit card-related emergencies. 

Just dial +603 2176 8333 and the representative will assist you accordingly.

What documents are required to apply for PB Quantum MasterCard?

For Salaried Employee:

  • Copy of your IC (front and back)/Passport
  • Latest month's salary slip; and/or
  • Latest EA statement; and/or
  • Latest EPF statement; and/or
  • Copy of Employment Letter/Employer Confirmation

For Self-Employed:

  • Copy of your IC (front and back)/Passport
  • Latest 1-year tax returns/tax receipts
  • Latest Income Tax Return (Form B)
  • Copies of Business Registration
  • Latest 3 months' bank statement
  • Latest 6 months' company CASA statement (for company directors)
  • Copy of latest card statement

 * Applicants who are self-employed but do not register for companies are required to fill up their names as the company name and indicate the nature of the business.

For Variable Income:

  • Copy of your IC (front and back)/Passport
  • Latest 6 months of the following:
    • Overtime as reflected on the salary slips
    • Commissions Statements/Vouchers
    • Fee Statements/Vouchers
  • Latest 3 years of the following:
    • Dividend Statements/Vouchers
    • Interest Statements/Vouchers

Other Income Sources:

  • Tenancy Agreements and/or
  • Pension Statements/Vouchers and/or
  • Annuities Statements

Overseas Income:

  • Latest 3 months' salary slips
  • Latest 2 years Notice of Assessment/Form IR8A/Form IR8E (for Singapore only)
  • Salary Deposits Account (reflecting the latest minimum 3 months of salary crediting - for Brunei only)
  • Employment Letter

Any additional income documents may be required at the absolute discretion of the Public Bank.

Public Bank Quantum credit card limit and credit line

If you earn RM36,000 per annum or less, the maximum Public Bank Quantum MasterCard credit limit will be two times (2x) your monthly income. 

If you have two or more cards with Public Bank, a total combined credit line will be offered to cover the use of all cards held by you (the principal) and your supplementary cardholders. 

You can choose to have your supplementary cardholders nominated for a separate credit line from a minimum of RM1,000.

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