- Annual FeeFree
- Cashbackup to 2%
- Balance TransferFrom 0% p.a.
- Easy Payment PlanFrom 0% p.a.
- Interest Rate15% p.a.
- Interest-free20 days
- Min. IncomeRM3,000/month
- Overview
Have no annual fees for life and get more spending benefits out of your credit card such as 2% cash back on overseas transactions and earning VIP Points!
- Cashback
Don't forget to use your Quantum MasterCard when you shop overseas. Spend at least RM100 per transaction and you can get 2% cashback, capped at RM20 per month.
- Rewards (VIP Points)
Pay more and earn more as for every Ringgit you spent with the Quantum MasterCard, you are actually rewarding yourself a 1x VIP Point. Accumulated VIP Points will expire in 3 years, so don't miss the chance to redeem gifts for yourself with the VIP Points!
- Balance Transfer
Take advantage of savings and flexibility when you transfer your outstanding credit card debts to a Public Bank credit card to benefit from low one-time upfront interest.
- Flexible Payments
Exclusive for Quantum MasterCard cardholders, you are entitled to a flexi-payment offer that will give you 1% interest for 12 months. You only need to spend a minimum of RM1,200. Otherwise, you can choose from other choices of tenure below.
- Additional Premium
Get a complimentary Public Bank Quantum Visa credit card when you sign up for this credit card - because two are better than one! Love shopping? Get your online goods protected from possible losses with e-Commerce Purchase Protection of up to USD200 per claim per annum, terms apply. Plus, enjoy a 50% discount on Will and Wasiat's Writing service fees.
- Features
Criteria Details Card Type MasterCard Interest Free Period (Days) 20
- Fee
Criteria Details Min Cash Withdrawal Fee RM20 or 5% Min Late Payment RM10 or 1% of outstanding amount, up to a maximum of RM100
- Min Monthly Payment
Criteria Details Min Monthly Payment 5% or RM50 of outstanding amount, whichever is higher
- Easy Payment
Months Interest Rate (%) Upfront Interest (%) Minimum Amount (RM) Max Amount (RM) 6 0 1.5 1000 - 9 0 2 1000 - 12 0 2.5 1000 - 24 0 5 2000 - 36 0 6.5 3000 - 48 0 9 5000 -
- Balance Transfer
Months Upfront Interest (%) Interest (%) Minimum Amount (RM) 6 1 0 1000 12 2.5 0 1000 24 4.5 0 1000 36 6.5 0 1000 48 9.5 0 1000
- Cashback Tiers
Applicability Minimum Spend (RM) Maximum Spend (RM) Monthly Cap (RM) Cashback Percentage (%) Other Condition(s) Overseas Transaction 100 - 20 2 -
- Rewards Points Tiers
Applicability Points Per Ringgit Validity (Years) Local retail transactions 1 1 3
- Travel Insurance
Criteria Amount (RM) Lost Luggage Compensation - Travel Insurance Coverage - Delayed Luggage Compensation - Delayed Flight Compensation - Personal Accident Coverage - Missed Flight Connection Compensation -
- Annual Percentage Rate
Criteria Interest Rate (%) Prompt Repayment every month 15 Prompt Repayment 10 out of 12 months 17 Prompt Repayment of less than 10 out of 12 months 18 Interest rate on cash withdrawal 18
- Supplementary Card
Criteria Details Minimum Age (Years) 18
- Eligibility
Criteria Details Minimum Age 21 Who Can Apply Anybody