Public Bank Quantum MasterCard Credit Card by Public Bank

Product Highlights

5% Cash Back

5% Cash Back on online & dining transactions!

Contactless Function

A fast and convenient way to pay your purchases by simply “waving” your card when prompted by the contactless reader at the checkout for retail purchase of RM250 and below.

Up To 2 VIP Points

Earn 2 VIP Points per RM 1 spent on other retail transactions abroad and 1 VIP Point per RM 1 spent on other retail transactions locally.

Features

Cash Back

Cash Back Category	Cash Back Rate	Monthly Cap	Spend
Online And Dining Transactions	5%	RM 30	Any amount monthly

Rewards

Earn	Spent In
2 VIP Points Per RM 1	Other retail transactions abroad
1 VIP Points Per RM 1	Other retail transactions locally

Excluding online, dining, casino, petrol, cash advances, balance transfer, transaction at UTAR and TARC campus, government-related payments, payments to charity, payments via www.pbebank.com and ATM

Balance Transfer

Pay Over	With Interest Rate At	When You Transfer
6 Months	0% p.a. with 1.5% one-time upfront handling fee	From RM 500
6 Months	0% p.a. with no one-time upfront handling fee	From RM 2,000
12 Months	0% p.a. with 3% one-time upfront handling fee	From RM 1,000
24 Months	0% p.a. with 5% one-time upfront handling fee	From RM 3,000
30 Months	0% p.a. with 7% one-time upfront handling fee	From RM 6,000

Flexipay Plan

Pay Over	With Interest Rate At	When You Spend
6 Months	0% p.a. with 1.5% one-time upfront handling fee	From RM 500
6 Months	0% p.a. with no one-time upfront handling fee	From RM 1,500
9 Months	0% p.a. with 2% one-time upfront handling fee	From RM 2,000
12 Months	0% p.a. with 3% one-time upfront handling fee	From RM 1,000
24 Months	0% p.a. with 5% one-time upfront handling fee	From RM 2,000
36 Months	0% p.a. with 7% one-time upfront handling fee	From RM 3,000

Exclusive Flexi Payment Plan Offer

Pay Over	With Interest Rate At	When You Spend
12 Months	0% p.a. with no one-time upfront handling fee	From RM 1,200

Fees and Charges

Annual Fee For Primary Card	Free
Annual Fee For Supplementary Card	Free
Minimum Monthly Payment	RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee	RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100
Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals	18% p.a.

Interest Rate

15% Per Annum	Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months
17% Per Annum	Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle
18% Per Annum	Tier 3: Cardmembers who do not fall within the above categories

Requirements

Minimum Annual Income	RM 36,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Anyone

Apply for Public Bank Quantum MasterCard Credit Card by Public Bank