RM40 credited on 27th...

aiyo..thanks for highlighting!
D
Better use MBB Amex ...dunno the 7% discount still got or not.

This 30k FD interest high or not? I read few post back, only 3.15% right? I thought we need to give certain timeframe for it? Like 3 months or 6 months. But since it is lock with the card, then there is no end date?

If we choose to terminate the card in future, the 30k can get back without any interest charge?

Sorry, just wanted to understand better

35k pledge, interest based on 1 month FD. If u want to take the FD out, u need to cancel the card first.

If u want to cancel the card, the 1 month FD (with interest) still in there, u can take out anytime u want then.

Im a happy PBB VS user

But cant win any cashback bonanza though, always fail to schedule to spend on Monday.

So you are one of the FD holder to get this card?
Now i'm certainly convinced to move my FD from MBB to PBB

nope, i didnt pledge, i ask for my mum's application and eventually i give up the idea.

My concern about this is the lower interest rate of 3.15% (u can get 4.05% yearly for current PB FD promo), and u cant take out the money as long as u using this card.

I have existing 3 months auto renew fd with them. So applying the card was quite a breeze.

So min pledge is 35k right? and one month is the min requirement for the FD pledge?

Mine was 30k before they revised to 35k. You can choose how many months also can. They will actually keep your fd anyway.

Regarding VIP Points loyalty and usage rewards progamme, it claims that it can be used to redeem air miles, gift vouchers and other gift items fromt ime to time.

How can i get those infromation? What is the conversion from VIP points to air miles? Is there any catalog I can look for voucher redemption?

https://www.pbebank.com/pdf/Promotions/redemption.aspx

Thanks.. I had been looking this for so long, yet cant find it.. haha..

Is it a norm that PBB doesn't send out e-Statement and that we have to manually download it online every month?
I have never received a single eStatement nor paper statement so far.

the staff i asked said another thing. She said 35k have to put at 1 month FD ONLY, others (3 months,12 months, promo FD) cannot. My mum have yearly FD in PBB for years, and she said can't use that except u change the existing FD to 1 month.

Their terms and condition really push customers away. I go PBB to put money in 4.28% FD promo (actual rate is 4.05%), they said MUST open a saving account just can do that. what the......then i have to put RM250 into the saving account that i will never use

i dont think they pushing customers away by this alternative application for a visa signature card. It is tailored for those who can meet the min requirement of rm100k p.a. We support PBE that dont simply approve such visa signature for those yet comply of such T&C. Dont blame PBE, earn harder to achieve, then they will welcome u open hands

i prefer paper mail, coz come with promotion brochure.

That is a application for my mum, who is a housewife. She can get other banks CC easily with no pledge.

And my mum's existing FD in PBB is N times the minimum amount required. To me they are bad at business, sometimes they have to be flexible, but 100% law by law and pushing customers away.

If you opt for e-statement, you will not receive paper statement.
And for my case, yes, I manually download. they never email me.
Not sure about others..

I also download the e-statement from the website.