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 Giant Voucher with your new Public Bank Quantum Visa Card


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

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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 CategoryCashback RateMonthly CapSpend
EntertainmentSpendany amount5%RM30any amount
Shopping at Department StoresSpendany amount5%RM30any 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
EarnSpent
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 
6 months0% one-time upfront handling feefrom RM1500 
9 months2% 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
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
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

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 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. 

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.

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