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.

Public Bank Quantum Visa2% cashback for contactless shopping
Min. Income
Annual Fee
up to 2%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a Complimentary
Xiaomi Smart Band 8 Active
worth RM129
when you apply through RinggitPlus *

Xiaomi Smart Band 8 Active

Our Previous Winners


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.

Contactless Transaction2%RM20from RM100 or above


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.

VIP Points
2 points on every RM1overseas retail transactions
1 point on every RM1local retail transactions


Get a complimentary Public Bank Quantum MasterCard credit card when you sign up for this credit card - because two are better than one! Additionally, you can also enjoy a 50% discount on Will and Wasiat's Writing service fees. Do give the Public Bank Trustee Services a call to find out more!

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 OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 2.5%one-time upfront handling feefrom RM1,000
24 months0% p.a. and 4.5%one-time upfront handling feefrom RM1,000
36 months0% p.a. and 6.5%one-time upfront handling feefrom RM1,000
48 months0% p.a. and 9.5%one-time upfront handling feefrom RM1,000
Learn more about Public Bank Balance Transfer

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.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months2% one-time upfront handling feeRM1,000
24 months4% one-time upfront handling feeRM1,000
36 months6% one-time upfront handling feeRM1,000
48 months8% one-time upfront handling feeRM1,000
Learn more about Public Bank Flexipay Plan

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

  • RM0 supplementary 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
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


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.


Public Bank Quantum Review - zero annual fees for life!

Imagine yourself enjoying snacks and fizzy drinks from the hotel mini fridge but not getting charged for it. 

Now you have found much better free stuff that hosts amazing perks: the 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.

Get double the cards with PB Quantum

More good news for those wishing to sign up for a Public Bank Quantum Visa today as you will get a complimentary Public Bank Quantum Mastercard credit card upon approval

Isn't two better than one? And it's more rewarding for you too as you can earn a 2% cashback for overseas transactions with Quantum MasterCard.

Combine the cash back you get from this Quantum Visa with the MasterCard version, it's a cashback galore you don't want to miss out!

2% cashback on contactless transactions

Do you like the idea of getting back your money after spending it? Well, the Public Bank Quantum Visa credit card gives you 2% cashback on every contactless transaction of at least RM100. 

Take your Quantum Visa whenever you plan to watch movies, attend concerts or shop at Robinson, Parkson, AEON, Isetan etc. because you can enjoy significant savings of up to RM20 every month.

Highlights for Public Bank Quantum Visa

Public Bank Quantum Visa

Highest cashback rate

2% cashback with a minimum transaction of RM100

Highest cashback amount

RM20 per month

Eligible spend to earn the highest cashback rate

Contactless Transactions

Eligible Cardholder(s)

Principal and Supplementary

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 a 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 so don't forget to redeem them with special gifts for yourself!

Exclusive 1% Flexi-Pay for 12 months

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 the Public Bank Flexipay Plan, just make a minimum transaction of RM1,200, then call the Public Bank Customer Service at +603 2176 8000.

You can also write to [email protected] within three days after the purchase or five days before the settlement date.

Contactless function

Your Public Bank Quantum card is equipped with contactless functionality, where you simply need to tap or wave your card on the contactless terminal reader when making a payment at the checkout. 

  • No signature or pin is required for the retail purchase of RM250 and below in Malaysia.
  • The cumulative contactless transaction limit defaults to RM500.
  • The cumulative contactless transaction limit will be reset automatically after performing a transaction with a 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 the Public Bank Card Services Help Desk at 03-2176 8000.

24/7 Help Desk

If your credit card is stolen, tampered with or broken, a dedicated, round-the-clock Help Desk is ready to assist you with any credit card-related emergencies. 

Just dial +603 21768333 and you will get the help that you need.

What are the documents to apply for a Public Bank Quantum Visa?

For Salaried Employee:

  • Copy of your IC (front and back)/Passport
  • Latest month's salary slip; and/or
  • Latest EA statement; and/or
  • Latest EPF statement; and/or
  • Copy of Employment Letter/Employer Confirmation

For Self-Employed:

  • Copy of your IC (front and back)/Passport
  • Latest 1-year tax returns/tax receipts
  • Latest Income Tax Return (Form B)
  • Copies of Business Registration Certificates
  • 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 include the nature of the business.

For Variable Income:

  • Copy of your IC (front and back)/Passport
  • 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 Sources:

  • Tenancy Agreements and/or
  • Pension Statements/Vouchers and
  • Annuities Statements

Overseas Income:

  • 3 months' salary slips
  • 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 the Public Bank.

Public Bank Quantum Credit Card Limit & Credit Line

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.

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