Public Bank Quantum Visa
A free-for-life card that gives 2% cashback and up to 2 VIP Points when you swipe it at your favourite restaurant, cafe or clothing brand locally and internationally.
2% cashback for contactless shoppingProduct summary
- Min. Income
- RM3,000/month
- Annual Fee
- Free
- Cashback
- up to 2%
- Balance Transfer
- From 0% p.a.
- Easy Payment Plan
- From 0% p.a.
- Interest Rate
- 15% p.a.
- Interest-free
- 20 days
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Cashback
For every contactless transaction of at least RM100 made with Public Bank Quantum Visa, you earn 2% cashback, which is capped at RM20 per monthly statement cycle and is combined between the Principal and Supplementary accounts.
| CASHBACK CATEGORY | CASHBACK RATE | MONTHLY CAP | SPEND |
|---|---|---|---|
| Contactless Transaction | 2% | RM20 | from RM100 or 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! Earn 1 VIP Point for your local retail spend, while overseas retail spend grants you 2 VIP Points. VIP Points will expire in 3 years.
| Earn | Spend |
|---|---|
| 2 points on every RM1 | overseas retail transactions |
| 1 point on every RM1 | local retail transactions |
Balance Transfer
Take advantage of savings and flexibility when you transfer your outstanding credit card debts to a Public Bank credit card to benefit from low one-time upfront interest.
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 months | 0% p.a. and 1%one-time upfront handling fee | from RM1,000 |
| 12 months | 0% p.a. and 2.5%one-time upfront handling fee | from RM1,000 |
| 24 months | 0% p.a. and 4.5%one-time upfront handling fee | from RM1,000 |
| 36 months | 0% p.a. and 6.5%one-time upfront handling fee | from RM1,000 |
| 48 months | 0% p.a. and 9.5%one-time upfront handling fee | from RM1,000 |
Easy Payment Plans
Enjoy a special 1% instalment for 12 months with a minimum purchase of RM1,200 exclusively for Public Bank Quantum Visa Credit Card. Give the Public Bank Customer Service a call to convert! Otherwise, you can choose from other choices of tenure below.
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 12 months | 2% one-time upfront handling fee | RM1,000 |
| 24 months | 4% one-time upfront handling fee | RM1,000 |
| 36 months | 6% one-time upfront handling fee | RM1,000 |
| 48 months | 8% one-time upfront handling fee | RM1,000 |
Fees & Charges
- Annual Fee
- RM0 primary card
Free for life
- RM0 supplementary card
- RM0 primary card
- Sales and Service Tax
- RM25 on each principal and supplementary card upon activation 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 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 anywhere with an instalment rate as low as 2% with this Public Bank Flexipay Plan.
- Balance Transfer Plans
- Public Bank Balance Transfer
- Fancy paying as low as 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.
Review
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- Annual Fee
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- Annual Fee
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- Annual Fee
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Mutual Gold Public Bank Visa Platinum
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- Cashback
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