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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

CARD BENEFITS CASH BACK CREDIT CARD BENEFITS
Cashback
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
Rewards

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

 24

36
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

1.25%

15%

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

Premium

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

FEES & CHARGES
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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