Public Bank Quantum Visa Credit Card
Public Bank Quantum Visa Credit Card
RM 3,000
Minimum monthly income
RM 0
Annual fee
15%
Interest rate p.a
0%
Balance transfer rate (fixed)
Product details
Product details
Features
Good for
No Annual Payments, Cashback & Rewards/Offers
2% cashback on contactless transactions with minimum RM100 per transaction, capped at RM20 monthly (Note: Effective from 1 February 2025 onwards, the 2% cashback will be revised to 1% cashback for Contactless Transaction, while the spending and capping amount remain the same)
2X VIP Points for every RM1 spent on overseas retail spending
1X VIP Point for every RM1 spent on local retail spending
ZERO annual fee
Enjoy 1% FlexiPay Plan for 12 months with a minimum purchase of RM1,200
Track your carbon footprint on every card spending via the CO2 Tracker!
50% discount on Will and Wasiat Writing Service fees
Complimentary Public Bank Quantum Mastercard Credit Card!
Eligibility
| Minimum monthly income | RM 3,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 0 | Free for life without condition |
| Late payment fee | RM 10/1% | 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate | 15% | Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) | 0% | Zero interest with one-time upfront handling fees of 1%, 2.5%, 4.5%, 6.5% and 9.5% for 6-month, 12-month, 24-month, 36-month and 48-month repayment period respectively. Minimum transfer amount is RM1,000 |
| Annual fee |
RM 0 Free for life without condition |
| Annual fee waiver |
No |
| Late payment fee |
RM 10/1% 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate |
15% Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) |
0% Zero interest with one-time upfront handling fees of 1%, 2.5%, 4.5%, 6.5% and 9.5% for 6-month, 12-month, 24-month, 36-month and 48-month repayment period respectively. Minimum transfer amount is RM1,000 |
Document required to apply
You will need to provide several documents such as (varies between different banks):
Employed:
- - Latest month's salary slip
- - Latest EA statement
- - EPF statement
- - Employment letter/confirmation letter
Variable income:
Latest 6 months of the following
- - Overtime as reflected on the Payslips
- - Commissions Statements
- - Fee Statements
Latest 3 years of the following
- - Dividend Statements
- - Interest Statements
Other income:
- - Tenancy Agreements
- - Pension Statements
- - Annuities Statements
Overseas income:
- - 3 Months Payslips
- - 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
Self-employed:
- - Latest 1 year Tax Returns/Receipts
- - Latest 6 months company CASA statement (for company directors)
Note:
Any additional income documents may be required at the absolute discretion of the Bank.
Click here to read the Public Bank Quantum Visa Credit Card Terms and Conditions.
Click here to read the Public Bank Quantum Visa Credit Card Product Disclosure Sheet.
