Cashback & VIP Points
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.
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?
5% 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 contactless transaction.
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.
| Highlights for Public Bank Quantum Visa | |
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Highest cashback rate |
5% cashback with NO minimum spend |
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Highest cashback amount |
RM30 per month |
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Max. spend to earn highest cashback amount |
RM600 per month |
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Eligible spend to earn highest cashback rate |
Contactless Transactions |
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Eligible Cardholder(s) |
Principal & Supplementary |
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. Do note that your VIP Points will expire in three (3) years.
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.
To convert the amount to Public Bank Flexipay Plan, just make a minimum transaction of RM1,200, then call Customer Service at +603 2176 8000.
Next, write to [email protected] 3 days after the purchase or 5 days before settlement date.
Contactless Function
Your Public Bank Quantum card is equipped with a contactless functionality, where you simply need to tap or wave your card on the contactless terminal reader when making payment at the checkout.
- No signature or pin is required for retail purchase of RM250 and below in Malaysia.
- Cumulative contactless transaction limit is defaulted to RM500.
- The cumulative contactless transaction limit will be reset automatically after performing transaction with 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 who is ready to assist you for any credit card-related emergencies. Just dial +603 21768333.
What documents are required?
Salaried Employee / Employed
- Latest Month Payslip and/or
- Latest EA Statement and/or
- EPF Statement and/or
- Employment Letter / Employer Confirmation
Self-Employee
- Latest 1 year Tax Returns / Tax Receipts
- Latest 6 months company CASA statement (for company directors)
Variable Income
- Latest 6 months of the following:
- Overtime as reflected on the Payslips
- Commissions Statements / Vouchers
- Fee Statements / Vouchers
Latest 3 years of the following:
- Dividend Statements / Vouchers
- Interest Statements / Vouchers
Other Income source
- Tenancy Agreements and/or
- Pension Statements / Vouchers and/or
- Annuities Statements
Overseas Income
- 3 months Payslips
- Latest 1 year 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 Public Bank.
Credit Limit & Credit Line
If you earn RM36,000 per annum or less, the maximum 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.
