Public Bank · Malaysia · CASHBACK · Verified 26 Oct 2026
ANNUAL FEE
Free for life
Annual fee waiver for life for principal and supplementary
INCOME REQUIREMENT
RM36,000/year
MILES
not disclosed (VIP Points redeemable for Air Miles etc.)
Expiry: VIP Points expire after 3 years
■ CATEGORY RATES
Overseas transactions (Quantum Mastercard) 2% · CAP RM20 per monthly statement cycle (min RM100 per transaction)
Contactless transactions (Quantum Visa) 1% · CAP RM20 per monthly statement cycle (min RM100 per transaction)
Other local retail (Visa) 1x VIP Point per RM1 · CAP unlimited
Other overseas retail (Visa) 2x VIP Points per RM1 · CAP unlimited
NOTES
Two-card family: Quantum Mastercard earns 2% cashback on overseas transactions; Quantum Visa earns 1% cashback on contactless transactions. Both capped RM20/month with min RM100 per transaction. Free for life.