Public Bank Quantum Visa

A Free-for-Life card promises 5% cashback and up to 2 VIP Points when you swipe it at your favorite restaurant, cafe or clothing brands anywhere.

Public Bank Quantum VisaCashback & VIP Points
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

Get a FREE
RM180 Lazada e-voucher
worth RM180
when you apply through RinggitPlus3

RM180 Lazada e-voucher


Every spend on Entertainment and Departmental Stores, you earn 5% cashback, which is capped at RM30 per month.

Cashback categoryCashback rateMonthly capSpend
Entertainment5%RM30any amount
Shopping at Department Stores5%RM30any amount


Accumulate VIP Points whenever you spend on dining or shopping at retail stores, locally and abroad, and exchange them for more food vouchers or exciting goods!

VIP Points
1 point on every RM1local retail transactions
2 points on every RM1overseas retail transactions


Get a complimentary Public Bank Quantum MasterCard credit card when you sign up for this credit card - because two is better than one!

Balance Transfer

Take advantage of savings and flexibility when you transfer your outstanding credit card debts to Public Bank credit card to benefit from low one-time upfront interest starting from 0%.

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 3% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 5.5% one-time upfront handling feefrom RM3,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM6,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

Enjoy 0% instalment for 12 months with a minimum purchase of RM1,200 exclusively for Public Bank Quantum Visa Credit Card.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months1% one-time upfront handling feeRM1,000
9 months2% one-time upfront handling feeRM2,000
12 months3% one-time upfront handling feeRM1,000
24 months5.5% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
Learn more about Public Bank Flexipay Plan

Fees & Charges

Annual Fee
  • RM0 primary card
  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval 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
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 years old  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 at anywhere with instalment rate as low as 1% with this Public Bank Flexipay Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.


No Annual Fee

Imagine yourself enjoying snacks and fizzy drinks from the hotel mini fridge but not getting charged for it. Now you have found a much better free stuff that hosts amazing perks: Public Bank Quantum Visa. 

You should know that Public Bank Quantum Visa is a free-for-a-lifetime credit card, with no conditions whatsoever, for both principal and supplementary cardholders.

Double Quantum Cards

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

Entertainment & Department Store Cashback

Do you like the idea of getting back your money after spending it? Well, Public Bank Quantum Visa credit card gives you 5% cashback on every spend you make on these two categories: Entertainment and Department Stores.

Take your Quantum Visa whenever you plan to watch movies or attend concert or shopping at Robinson, Parkson, AEON, Isetan etc because you can enjoy significant savings up to RM30 every month.

VIP Points

Cashback alone is not enough to deem a credit card's uniqueness. That's why Quantum Visa 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 local retail transaction, you earn 1 VIP Point, whereas 2 VIP Points will be rewarded for RM1 spent overseas. Put simply, RM3,000-worth of spending gets you 3,000 VIP Points.

Exclusive Flexipay Plan

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 0% one-time upfront interest for a 12-month flexi payment plan.

Just make a minimum transaction of RM1,200, then call Customer Service at +603 21768000 (or write to [email protected] 3 days after the purchase or 5 days before settlement date) to convert the amount to Public Bank Flexipay Plan.

24/7 Help Desk

If your credit card is stolen, tampered with or broken, there is a dedicated, round-the-clock Help Desk who is ready to assist you for any credit card-related emergencies. Just dial +603 21768333.