Public Bank Quantum MasterCard

Public Bank Quantum MasterCard

Key Features

  • 5% Cash Back on online transactions with minimum RM30 per transaction
  • 1% for 12 months with minimum purchase of RM1,200
  • e-Commerce Purchase Protection up to USD 200 protection

Promotion

Groceries
  • 5% Cash Back on online transactions
  • 1X VIP point for locally spend
  • 2X VIP point for overseas spend
Petrol
  • 5% Cash Back on online transactions
  • 1X VIP point for locally spend
  • 2X VIP point for overseas spend
Entertainment
  • 5% Cash Back on online transactions
  • 1X VIP point for locally spend
  • 2X VIP point for overseas spend
Shopping
  • 5% Cash Back on online transactions
  • 1X VIP point for locally spend
  • 2X VIP point for overseas spend
Dining
  • 5% Cash Back on online transactions
  • 1X VIP point for locally spend
  • 2X VIP point for overseas spend
Travel
  • 5% Cash Back on online transactions
  • 1X VIP point for locally spend
  • 2X VIP point for overseas spend
Utilities
  • 5% Cash Back on online transactions
  • 1X VIP point for locally spend
  • 2X VIP point for overseas spend

Other Features

  • e-Commerce Purchase Protection: Make online purchases using PB Quantum MasterCard Credit Card and get covered for possible losses up to USD$200 per claim per annum for non-delivery of purchased item after 30 days of scheduled delivery, Wrong or incomplete delivery of purchased item, Physical damage to the delivered item
  • Exclusive Flexi-Payment Plan Offer: 1% for 12 months with minimum purchase of RM1,200

Balance Transfer

  • Pay over 6 months with interest rate at 0% p.a. and 1.5%one-time upfront handling fee from RM1,000 transferred
  • Pay over 9 months with interest rate at 0% p.a. and 2%one-time upfront handling fee from RM1,000 transferred
  • Pay over 12 months with interest rate at 0% p.a. and 2.5%one-time upfront handling fee from RM1,000 transferred
  • Pay over 24 months with interest rate at 0% p.a. and 5%one-time upfront handling fee from RM2,000 transferred
  • Pay over 36 months with interest rate at 0% p.a. and 6.5%one-time upfront handling fee from RM3,000 transferred
  • Pay over 48 months with interest rate at 0% p.a. and 9%one-time upfront handling fee from RM5,000 transferred

Easy Payment Plan

PUBLIC BANK FLEXIPAY PLAN
  • Pay over 6 months with interest rate at 1.5% one-time upfront handling fee when spend RM 1,000
  • Pay over 9 months with interest rate at 2% one-time upfront handling fee when spend RM 1,000
  • Pay over 12 months with interest rate at 2.5% one-time upfront handling fee when spend RM1,000
  • Pay over 24 months with interest rate at 5% one-time upfront handling fee when spend RM2,000
  • Pay over 36 months with interest rate at 6.5% one-time upfront handling fee when spend RM3,000
  • Pay over 48 months with interest rate at 9% one-time upfront handling fee when spend RM5,000

Eligibility

  • Min. age 21 for principal holder
  • Free for fee of principal holder
  • Min. age 18 for supplementary holder
  • Free for first applicants of supplementary holder

Fees and Charges

  • Late Payment Charge: Minimum RM10 or 1% of the total outstanding balance, up to maximum amount of RM100
  • Cash Advance Amount: Subject to credit limit
  • Cash Advance Charge: RM20 or 5% of withdrawn amount, whichever is higher
  • Cash Advance interest charge: 18%
  • Rewards Points expiry: N/A
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