Public Bank Quantum Visa credit card

Also available as MasterCard

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 

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

Get complimentary RM200 Touch 'n Go Card with your new Public Bank Quantum Visa Card

Exclusively for Maxis users

Free Nescafe Dolce Gusto Coffee Maker with your new Public Bank Credit Card!

Apply online now for Public Bank Quantum Visa

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Because you should be rewarded for giving the bank your business

Every spend on Entertainment and Departmental Stores, you'll 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 CategoryCashback RateMonthly CapSpend
EntertainmentSpendany amount5%RM30any amount
Shopping at Department StoresSpendany amount5%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
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 OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.5% one-time upfront handling feefrom RM500 
6 months0% p.a. and 0% one-time upfront handling feefrom RM2000 
12 months0% p.a. and 3% one-time upfront handling feefrom RM1000 
24 months0% p.a. and 5% one-time upfront handling feefrom RM3000 
36 months0% p.a. and 7% one-time upfront handling feefrom 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 OverWith Interest Rate AtWhen You Spend
6 months1.5% one-time upfront handling feefrom RM500 
9 months0% one-time upfront handling feefrom RM2000 
12 months3% one-time upfront handling feefrom RM1000 
24 months5% one-time upfront handling feefrom RM2000 
36 months7% one-time upfront handling feefrom RM3000 
Learn more about Public Bank Flexipay Plan

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
  • Free for life for supplementary card
Annual Fee for Supplementary Card
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
Contact-less Payment Methods
Visa payWave

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


Are you eligible for this credit card?

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


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?

A credit card that offers generous cashback and rewards at zero annual cost.

5% Cashback

How do you like to get a cash refund after spending on your credit card? Public Bank Quantum Visa Credit Card is giving you a 5% cashback every time you spend on entertainment and departmental stores.

Imagine your favorite Parkson, AEON or Robinsons store flashes their SALES banners, or movie theater is screening 3 new blockbuster movies in a month, which you cannot wait to watch, you will be thrilled to use this Quantum Visa card for those!

Just make sure you manage your transactions well as the cashback is capped at RM30 per statement cycle.

VIP Points

VIP Point is where you can collect as many points as you want every time you swipe your card on retail transactions and can exchange them with more gifts and benefits.

It’s very easy to harvest VIP Points: For every Ringgit spent in Malaysia, you earn 1x VIP Point, whereas for every Ringgit spent overseas, 2x VIP Points will be credited to you.

The best way to maximize VIP Points and reward yourself is by spending more using your Quantum Visa card.

Exclusive Flexipay Plan

If you have a big-ticket item to purchase, you can convert the outstanding balance into 12-month instalments at 0% one-time upfront interest via an exclusive flexipay plan offer – because not having enough money to repay within the interest-free period is stressful, isn’t it?

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

No Annual Fee

Public Bank Quantum Visa Credit Card is free for a lifetime without conditions – making owning a credit card less hassle and more valuable.

For principal cardmembers, you need to be at least 21 years old with a minimum income of RM3,000 per month, meanwhile your supplementary cardholders need to be at least 18 years old.

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.

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