PB Quantum Credit Card

PB Quantum Credit Card


  • Annual fee : Waived for life
  • Get VIP points on retail spend
  • Up to 5% cash back on different categories
  • Up to 5% cash back
Minimum Monthly Income
Minimum Monthly Income

RM 3

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

0% for 6 months

Annual Fee
Annual Fee

RM 0.00

Credit Card's Promotion

PB Quantum MasterCard Card PB Quantum Visa Card
5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle 5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle

VIP Points
• 1x VIP Point for other retail spend (local)
• 2x VIP Points for other retail spend (overseas)
• Expiry for VIP Points is three (3) years

Balance Transfer
Tenure (Month) 6 6 12


Minimum Balance Transfer Amount (RM) 500 - 1,999.99 2,000 and above 1,000 3,000 6,000
One Time Upfront Fee 1.5% 0% 3% 5% 7%
Low Interest
Tiering Interest Rate (per month) Interest Rate (per annum) Duration
Tier 1



With prompt minimum repayment for 12 months within 12 consecutive months

Tier 2

1.42% 17% With prompt minimum repayment for 10 months and more within the last 12 consecutive months
Tier 3 1.50% 18% Credit cardholders who do not meet the above criteria.
Flexi Pay

Exclusive Flexi-Payment Plan Offer
0% for 12 months with minimum purchase of RM1,200


e-Commerce Purchase Protection (Applicable to PB Quantum Mastercard Card only)
Protected for worldwide online purchases of up to USD200 and covers you if:
• Incomplete delivery or wrong item delivered
• Improperly functioning due to physical damage to delivered items
• Non-delivery of purchase after 30 days of the scheduled delivery

Annual fee RM 0.00
Annual fee condition Waived for life
Annual fee for suplementary card RM 0.00
Annual fee condition for supplementary card Waived for life
Minimum monthly payment 5% of the outstanding balance as at statement date or a minimum of RM50, whichever is higher.
Late payment interest Minimum RM10 or 1% of the total outstanding balance as at statement date, whichever is higher subject to a maximum of RM100
Finance charge interest rate per month 1.25%
Finance charge interest rate per year 15%
Cash withdrawal 5% of cash advance amount or minimum RM20, whichever higher
Cash withdrawal interest rate 18% p.a. daily interest from the total cash advance amount
Balance transfer interest rate 0% for 6 months
Balance transfer max valid duration Up to 36 months
Balance transfer lock in period Up to 24 months
Balance transfer early settlement penalty RM100.00

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