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.

15% p.a. interest rate
20 days interest-free period
up to 5% cashback
0% p.a. balance transfer over 36 months
Easy Payment Plan (EPP)
RM0.00 annual fee
Earn up to 2x reward points

Benefits
Fees & Charges
Requirements
Features
Review
Apply Now

Enjoy up to 5% Cashback on Entertainment & Departmental Store Transactions

Get complimentary RM200 AEON Voucher with your new Public Bank Quantum Visa Card

2018-02-222018-07-31

RinggitPlus will help you all the way! No wait for call, no paper form to fill in, just a simple chat.

Start Application

*Complimentary RM200 AEON Voucher! - Terms and Conditions apply.

View product disclosure sheet.

Benefits

Because you should be rewarded for giving the bank your business

Cashback

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

Discover how much you can save when you shop with your new Public Bank Quantum Visa
Cashback Category		Cashback Rate	Monthly Cap	Spend
Entertainment	Spendany amount	5%	RM30	any amount
Shopping at Department Stores	Spendany amount	5%	RM30	any amount

Rewards

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
Earn	Spent
1 point on every RM1	local retail transactions
2 points on every RM1	overseas retail transactions

Your VIP Points earned expires in 3 years

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 Over	With Interest Rate At	When You Transfer
6 months	0% p.a. and 1.5% one-time upfront handling fee	from RM500
6 months	0% p.a. and 0% one-time upfront handling fee	from RM2000
12 months	0% p.a. and 3% one-time upfront handling fee	from RM1000
24 months	0% p.a. and 5% one-time upfront handling fee	from RM3000
36 months	0% p.a. and 7% one-time upfront handling fee	from RM6000

Learn more about Public Bank Balance Transfer

Easy Payment Plan (EPP)

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

Pay Over	With Interest Rate At	When You Spend
6 months	1.5% one-time upfront handling fee	from RM500
6 months	0% one-time upfront handling fee	from RM1500
9 months	2% one-time upfront handling fee	from RM2000
12 months	3% one-time upfront handling fee	from RM1000
24 months	5% one-time upfront handling fee	from RM2000
36 months	7% one-time upfront handling fee	from RM3000

Learn more about Public Bank Flexipay Plan

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

Fees & Charges

There are always fees but how much are they?

Annual Fee

RM0

Free for life
Free for life for supplementary card

Annual Fee for Supplementary Card

RM0

Minimum monthly payment

RM50 or 5% of outstanding amount

Late payment fee

RM10 or 1% of outstanding amount, up to a maximum of RM100

Cash withdrawal fee

RM21.20 or 5.30% of withdrawn amount, whichever is higher

Interest Rate on Cash Withdrawals

18%

Contact-less Payment Methods

Visa payWave

All fees & charges are inclusive of 6% GST if applicable

Requirements

Are you eligible for this credit card?

Minimum annual income: RM36000
Minimum age for primary card holder: 21 years old
Minimum age for supplementary card holder: 18 years old
Who can Apply: Anybody

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan: Public Bank Flexipay Plan; Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.

Balance Transfer: Public Bank Balance Transfer; Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Public Bank Quantum Visa review

What's so good (or not so good) about it?

No Annual Fee

Imagine yourself enjoying snacks and frizzy 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 custsvc@publicbank.com.my 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.