For comparison purposes only. Final terms are determined by the issuing bank.
Review
Overseas Cashback with a Tight Ceiling
The PB Quantum Mastercard Credit Card mirrors its Visa counterpart in structure but shifts its focus toward overseas spending. With a RM36,000 income requirement and lifetime annual fee waiver, it remains highly accessible.
The headline feature is 2% cashback on overseas transactions, subject to a minimum RM100 per transaction and capped at RM20 per monthly statement cycle. While 2% is respectable on paper, the cap limits total cashback to a maximum of RM20 per month, reducing its impact for frequent travellers.
For other retail spending, the card earns 1x VIP Point locally, with points valid for three years. Additional protection comes in the form of e-Commerce Purchase Protection, covering eligible online transactions up to USD200 per claim annually.
Verdict: A simple overseas cashback card with no holding cost, suitable for light foreign currency spending. However, the tight cashback cap means it functions better as a supplementary card rather than a primary overseas spend solution.
Pros
- Lifetime annual fee waiver
- 2% cashback on overseas transactions
- Low income requirement (RM36,000)
- Supports Google Pay and Samsung Pay
Cons
- Low cashback cap of RM20 per month
- Minimum RM100 per transaction required
- Limited points earning structure
- Not competitive for heavy overseas spending
Cashback
| Category | Cashback | Cap |
|---|---|---|
Overseas Retail | 2% | RM20Min spend RM100 |
Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Rewards Points
| Category | Multiplier | Cap |
|---|---|---|
Local Retail | 1xVIP Point | Uncapped |
Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Points Conversion
Best CPM is calculated based on the highest earn rate available for each points program. A lower CPM indicates better value.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Cashback Calculator
Cashback estimates are for reference only. Actual rewards may vary by merchant category, exclusions, and bank terms. Please refer to the official terms for final confirmation.
Monthly Spend
Estimate monthly cashback from eligible category spend.
Cashback Summary
Air Miles Calculator
Estimates use monthly category totals. Actual rewards may differ due to transaction-level rounding, merchant coding, exclusions, caps, and bank terms.
Monthly Spend
Enter eligible spend by category to estimate your miles.
Only programs supported by every points currency earned on this card are shown.
Air Miles Summary
Card benefits
e-Commerce Purchase Protection
Coverage for possible losses on online purchases