Visa · Conventional
PUBLIC-BANK · MALAYSIA
Public Bank Quantum Visa Credit Card
Min. annual incomeRM36,000RM3,000 / month equivalent
Principal annual feeRM0
Card networkVisaConventional card
Google PaySupported
THE DETAILS
Benefit breakdown
Quantum cashback
| Category | Rate | Minimum | Cap |
|---|---|---|---|
| Contactless transactions | 1% | RM100 per transaction | RM20 per monthly statement, shared principal / supplementary |
Visa and Mastercard have different cashback categories; neither is the retired online-spend cashback design.
VIP Points
| Eligible non-cashback spending | Earn |
|---|---|
| Other local retail | 1 VIP Point per RM1 |
| Other overseas retail | 2 VIP Points per RM1 |
Three-year points validity; cashback transactions do not also earn points.
Fees & charges
- Principal annual fee
- RM0
- Supplementary annual fee
- RM0
- Annual-fee waiver
- No annual fee for life for principal and supplementary cards; no spending condition.
- Retail interest / effective profit rate
- 15% / 17% / 18% p.a. based on prompt-payment history.
- Cash advance interest / profit
- 18% p.a., calculated daily.
- Cash advance / withdrawal fee
- Local RM4.90 + 0.39%; overseas RM5.10 + 0.65% of amount.
- Minimum monthly payment
- 5% current balance plus full monthly instalments and amount over credit limit, or RM50, whichever is higher.
- Late payment
- Higher of RM10 or 1% relevant outstanding balance; maximum RM100.
- Foreign currency conversion
- Network conversion rate using USD as base plus 1.25% foreign-exchange spread.
- Retail grace period
- 20 days from statement date only when the previous statement is fully settled; excludes cash advances and credit plans.
- Service tax
- RM25 per principal / supplementary card each year; distinct from annual fee.
Requirements
- Minimum annual income
- RM36,000
- Principal age
- At least 21 years
- Application conditions
- Published general income threshold; bank credit assessment and supporting documents apply.
- Supplementary age
- At least 18 years
Payment plans
Exclusive Flexipay
| Minimum purchase | Tenure | Published rate |
|---|---|---|
| RM1,200 | 12 months | 1% programme offer |
Bank conversion approval and programme fee basis apply.
Product features
- Reward exclusions
- General exclusions include e-wallet reloads, petrol, insurance / takaful, recurring payments, cash / quasi cash, government / charity payments, UTAR / TARC campus payments, Direct Debit and bank / ATM payments. Product-specific Petron fuel and AIA premium benefits override the relevant general category exclusions.
- Income / company documents
- Personal applications require identity and accepted income / employment evidence; company facilities require the issuer’s company application and supporting corporate documents.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.