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
RM3,000/month
Annual Fee
Free
Cashback
up to 5%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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

RM180 Lazada e-voucher

Cashback

Every contactless transaction, you earn 5% cashback, which is capped at RM30 per month.

Cashback categoryCashback rateMonthly capSpend
Contactless Transaction5%RM30from RM30 and above

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
EarnSpend
1 point on every RM1local retail transactions
2 points on every RM1overseas retail transactions

Premium

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

    Free for life

    Free for life for supplementary 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
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM36,000
Minimum Age
  • 21 years old  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 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.

Review

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

Public Bank Quantum Visa

Public Bank Quantum Visa

Highest cashback rate

5% cashback on Friday & Saturday only, with NO minimum spend

Highest cashback amount

RM30 per month

Max. spend to earn highest cashback amount

RM600 per month

Eligible spend to earn highest cashback rate

Contactless Transactions

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:
    1. Overtime as reflected on the Payslips
    2. Commissions Statements / Vouchers
    3. Fee Statements / Vouchers

Latest 3 years of the following:

    1. Dividend Statements / Vouchers
    2. 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.