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Public Bank · Visa + Mastercard · Cashback + Miles

PB Quantum Credit Cards

Earns
0.16 miles per RM Overseas
Lounge
None
Min income
RM36,000 a year
Annual fee
Free for life
See it on Public Bank's site

Good for

  • Taps of RM100 or more earn 1% cash back, up to RM20 a month.
  • No annual fee for life, for you and your supplementary cards.
  • Spend abroad earns 2x VIP Points per RM1, about 0.16 Enrich miles per RM1.

Watch out

  • Each tap must be RM100 or more to earn cash back, and the cash back stops at RM20 a month.
  • Local spend earns only 1x VIP Point per RM1, about 0.08 Enrich miles per RM1.
  • No travel insurance and no lounge access.

What it earns

Cash back and VIP Points on both cards. The points rows show the miles those points make in Enrich. You get both cards, so use each where it earns more.

SpendingVisaMastercard
Spending in shops or online in a foreign currency2 points per RM 0.16 miles per RM.2% Up to RM20 back a month.
Spending in shops or online in ringgit1 point per RM 0.08 miles per RM.1 point per RM 0.08 miles per RM.
Spending in shops1% Up to RM20 back a month.–
Petrol, Insurance, Government / LHDN / JPJ and moreNothing Petrol, Insurance, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.Nothing Petrol, Insurance, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

Getting your cash back

How it's paid
Not published by Public Bank Public Bank does not publish how or when it credits the cash back. It says only that cash back on the principal and supplementary cards is paid out together.
Which month counts
Your monthly statement cycle The Visa and the Mastercard each have their own RM20 cap per monthly statement cycle. Public Bank does not say whether a purchase counts by the date you made it or the date it posts.
When you lose it
Card cancelled, suspended or restricted by the bank If the bank cancels, suspends or restricts the card, for example after missed payments, the cardmember agreement says all card benefits are cancelled or suspended at once. Public Bank has no rule written for the cash back itself.

Points and transfers

Enrich
12,500 points for 1,000 miles Moved in blocks of 12,500 points.

Travel

Airport lounges
None
Overseas spending fee
1.25% 1.25% Public Bank spread, on top of the card network's rate

Insurance

Insurance
None listed Public Bank lists no cover for this card.

Fees and charges

What it costs if you don't pay in full, or use it for cash.

Annual fee
Free for life No spending needed to keep it free.
Extra (supplementary) cards
Free for life
Service tax
RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest
15%, 17% or 18% a year Depends on how reliably you paid over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment
5% of the balance, or RM50 Whichever is higher, plus any installments and any amount over your limit.
Late payment
1% of the balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal
RM4.90 plus 0.39% in Malaysia RM5.10 plus 0.65% abroad. Plus 18% a year interest. No interest-free days.

Who can apply

Income
RM36,000 a year or more
Age
21 or older Extra cardholders from 18.
Documents
  • Employees: your latest payslip, EA statement, EPF statement or employment letter
  • Self-employed: your latest year's tax return or tax receipt. Company directors also need 6 months of company account statements
  • Overtime, commission or fee income: the latest 6 months of payslips or statements showing it
  • Income from abroad: your latest 3 months' payslips and an employment letter

Other perks

Pay by phone
Google Pay, Samsung Pay
Card network
Visa + Mastercard

Where this comes from