Public Bank Quantum Visa Credit Card

Apply for Public Bank Quantum Visa Credit Card by Public Bank

Enjoy 5% cash back and earn up to 2x VIP Points with no annual fee!

Public Bank Quantum Visa Credit Card
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Product Highlights

Good
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.

Cash back
5% Cash Back

5% Cash Back on entertainment & departmental stores transactions!

Vip
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
Cash Back Category Cash Back Rate Monthly Cap Spend
Entertainment And Departmental Stores 5% RM 30 Any amount monthly 

Rewards

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 entertainment, departmental stores, casino, petrol, cash advances, balance transfer, transaction at UTAR and TARC campus, governmentrelated payments, payments to charity, payments via www.pbebank.com and ATM

Balance Transfer

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

36 months
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

48 months
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
Mininum 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