Just use BigPay for overseas rather than your debitcard.

PTPTN loan (or SSPN savings, which is what I do for my kids).

You're assuming you always have more funds than you spend, hence will always pay back in full and will never pay interest. Good practice, not something everyone is able/willing to do.

Debit cards make it impossible for you to overspend. You never pay interest because you never borrow. For those with bad self control or who find keeping track of bills a hassle, debit cards are worth it.

Put it this way, what's the point of earning 5% cashback on some portion of your expenses if you're paying 18% on ALL of them from late payment fees of CC?

By the same logic, some just use their one credit card for everything (earning 0.2% or less equivalent cashback value). The perks are not the point (or even noticed) for some.

World is full of different type of people. For some earning that 20-30 ringgit per month isn't worth the hassle of keeping track of things.

So fast? Current campaign still not yet finish also.

10.Eligible transactions shall mean any purchase of goods and/or services with the Card present or the Card not present (including and not limited to online purchase, Mail Order or Telephone Order and auto-payment). For the avoidance of doubt, the following transactions are expressly excluded and shall notbe treated as Eligible Spend for this Campaign:
(a)Betting or gaming transactions;
(b)Quasi-Cash transactions;
©ATM transactions (including and not limited to cash withdrawal, cashadvance and deposit transactions);
(d)Any fees and charges imposed by UOBM (including and not limited to annual fees, card replacement fees and cash withdrawal fees);
(e)Any unposted, void, cancelled, refunded, disputed, unauthorized or fraudulent transactions;and
(f)Such other transactions as UOBM may determine from time to time.

Interpret yourself. b) and f) are possible roadblock.

No they aren't. If you have debit card then you need to spend on that debit card to qualify. Your spend on PBB credit card won't help for this debit card campaign.

Do note as well that replacement card may take longer to arrive. My fraudulant transaction on 17th March was reported and blocked same day, until today has not arrived due to the card printer had to close (non-essential service) during MCO. Don't know when I will receive my replacement card.

Which promo is this? Not the gov one right?

What was the campaign everyone was doing at midnight for PBB Debit card? Did I miss something?

Confirm Government, that's the only one I'm participating (for October). Now November hard to do...

Transferring money is not done from the debit card, it's done from your savings account.

Auto-debit probably cannot (in fact if you registered your auto-debit with the service provider they should not even request the payment from expired cards).

All Bank CS will 'pretend' not to know anything about BSA. Probably they are not even trained in it, but it is a requirement from Bank Negara, so don't bother and just ask to speak to manager (or show them the Bank Negara rule, then suddenly they will 'realise').

Both myself and wife have BSA and regularly participate in debit card promotions (not those specific debit card, the general PBB Debit card promos like the one you link).

So it's not that your cashback 'cover' your annual fee, its that the annual fee is eating into your earnings unnecessarily =)

With some banks, BSA means cannot have ATM card for example (they charge for the ATM card so may as well get normal account or get account with no ATM card). But for Public bank they give the regular debit card for BSA as well.

Very unlikely that your government transaction is.... at petron or online right?

Except for those hoping to fulfill government transaction through some ebayar thing, that one not so sure.

For those of us who are (for example) going to MBPJ and swiping at counter, definitely not counted towards the petron/online campaign.

Sure it's for March? By my calculation this should be for Feb.


I got RM30 on 19th April too, assuming it's Feb my last transaction was 11th Feb. If it's March then my last transaction was 8 March. Highly unlikely finished by 5 Mar, more likely this is for Feb spending (in my opinion).

You pump petrol 10 times in 3 days?

Doesn't make sense to only hold 200 for 10 transactions when each transaction you could pump up to 200 or whatever the hold amount is. I've hit the hold amount before, after that amount the dispenser will not release any fuel anymore (ron97 on a really large SUV).

It's only for a while, and even on your high interest accounts the interest for those days isn't a huge deal. Tambah2 lagi why use 10x example, I think no private user pumps more than 2x in a given 3 day period.

Thanks, got it for both my (different person) accounts. Meaning the April government cashback was really for March, not February like I assumed (since this month got for April)

RM88 for government is in

What you all spend on during lockdown for government wor....