Public Bank Quantum Review - zero annual fees for life!

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

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 Credit Card

More good news for those wishing to sign up for a Public Bank Quantum Visa today! 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 because you 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!

Earn cashback on contactless transactions!

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

Important note: Please be informed that effective from 1 February 2025 onwards, the 2% cashback you earn will be updated to 1% for Contactless Transactions, with a minimum spending of RM100 per transaction, capped at RM20 monthly.

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 monthly.

Highlights for Public Bank Quantum Visa
Public Bank Quantum Visa
Highest cashback rate	2% cashback with a minimum transaction of RM100 (Note: 2% cashback will be revised to 1% cashback, effective from 1 February 2025 onwards)
Highest cashback amount	RM20 per month
Eligible spend to earn the highest cashback rate	Contactless Transactions
Eligible Cardholder(s)	Principal and Supplementary

Earn VIP Points too!

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 card!

It's easy to collect VIP Points: 

• For every RM1 spent on local retail transactions, you earn 1x VIP Point
• For every RM1 spent on overseas retail transactions, you earn 2x VIP Points!

Put simply, RM3,000 worth of spending gets you 3,000 VIP Points. However, please note that your VIP Points 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 and 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
• The 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.