Public Bank Quantum Visa

Public Bank Quantum Visa Offers Zero 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.

Public Bank Quantum Visa 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 Visa credit cardholders, you get to enjoy a 1% 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.

Public Bank Quantum Visa 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-Employed

• Latest 1 year Tax Returns / Tax Receipts
• Latest Income Tax Return (Form B)
• Copies of Business Registration
• Latest 3 months bank statement
• Latest 6 months company CASA statement (for company directors)
• Copy of latest card statement
*Applicants who are self-employed but do not register for companies are required to fill up their names as the company name and indicate the nature of business.

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 2 years 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 of Public Bank Quantum Visa

If you earn RM36,000 per annum or less, the maximum Public Bank Quantum Visa 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.