Public Bank Quantum MasterCard
Public Bank consumer credit card. Compare cashback eligibility, annual fees and the conditions used by the calculator.
Bank documents checked · Terms last checked: 2026-11-10
Calculate this cardSalary and spending requirements
- Minimum monthly income
- RM3,000.00
- Minimum annual income
- RM36,000.00
- Qualifying spend
- RM100 minimum per eligible transaction
- Minimum principal age
- 21
Annual fee and SST
- Published annual fee
- RM0.00
- Fee waiver
- Free for life without fee conditions.
- SST
- RM25 per physical card per year. Multi-card packages can cost more.
Annual net cashback is the year's eligible cashback minus the annual fee and SST. The calculator applies fee-waiver conditions to your scenario; the published fee above is not necessarily the fee you will pay.
Conditions to check
- Minimum RM100 applies per qualifying transaction. Quantum Visa also needs contactless; monthly totals alone do not establish eligibility.
- Current bank PDS and card product page checked. Standard reward exclusions include petrol, insurance, e-wallet reloads and recurring payments; specific co-brand exceptions are identified in the calculator.
- RM100 is a per-transaction threshold, not a monthly-spend threshold.
Listed cashback rates
A summary of published rates, not an offer. Bank terms and the conditions above take priority. A threshold can refer to total spend, a statement balance or an individual transaction.
| Category | Listed rate | Listed qualifying basis | Listed monthly cap |
|---|---|---|---|
| Overseas Transaction | 2% | RM100.00+ | RM20.00 |
Sources
- Official product page
- Current product disclosure sheet
- Reward exclusions (July 2025 revision)
- Bank terms
Terms can change after the check date. Confirm current terms with the issuer. This page does not include a welcome-gift valuation or guarantee bank approval.