For comparison purposes only. Final terms are determined by the issuing bank.
Review
Simple Entry-Level Cashback with Minimal Commitment
The PB Quantum Visa Credit Card is designed as a low-barrier, no-annual-fee option for everyday spending. With a minimum annual income requirement of RM36,000 and lifetime fee waiver for both principal and supplementary cards, it carries virtually zero holding cost.
The card offers 1% cashback on contactless transactions, subject to a minimum RM100 per transaction and a monthly cap of RM20. While easy to understand, the cap significantly limits total rebate potential, making it more suitable for light, occasional usage rather than structured optimisation.
For other spending, the card earns 1x VIP Point locally and 2x VIP Points overseas, with points valid for three years. However, the accumulation rate is modest and not positioned for aggressive miles strategies.
Verdict: A straightforward entry-tier card that works as a backup or starter option. It offers simple contactless cashback without fees, but the low cap and limited rewards structure mean it is no longer a standout in its segment.
Pros
- Lifetime annual fee waiver for principal and supplementary cards
- Simple 1% contactless cashback structure
- Low income requirement (RM36,000)
- Supports Google Pay and Samsung Pay
Cons
- Low cashback cap of RM20 per month
- Minimum RM100 per transaction required for cashback
- VIP Points earning rate is relatively weak
- Limited reward potential compared to newer cashback cards
Cashback
| Category | Cashback | Cap |
|---|---|---|
Contactless (PayWave) | 1% | 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 |
|---|---|---|
Overseas Retail | 2xVIP Point | Uncapped |
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. Click on a row to see CPM at different earn rates.
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
No specific benefits listed.