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Credit Cards Public Bank Visa Signature - 6% Cashback, On Grocery, Dining, Online Transactions

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Wongchoy
post Jun 16 2014, 08:45 PM

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QUOTE(leo_kiatez @ Jun 16 2014, 05:49 PM)
Congratz! Your FD being hold by the bank for FD pledge?
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No, my FD is not being hold. Will get it back tomorrow from PB rclxms.gif
Wongchoy
post Jun 24 2014, 09:24 PM

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QUOTE(propusers @ Jun 24 2014, 09:09 PM)
Is Auto debit of Insurance Premium consider online channel?
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Not considered online trnx.
Wongchoy
post Jul 3 2014, 11:29 PM

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Did anyone successfully used paywave outside Malaysia? Today i tried to use paywave twice in Singapore but failed. Have to slot the card in though sweat.gif
Wongchoy
post Jul 4 2014, 05:54 PM

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Now is my time to visit Plaza Premium Lounge . Made 5 trnx in Singapore for a total of $27.25. Lounge visit has never been cheaper smile.gif
Wongchoy
post Jul 4 2014, 10:11 PM

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QUOTE(Jason @ Jul 4 2014, 06:24 PM)
My pedestrian AEON Gold card gives FREE access to Plaza Premium Lounge.
Its not cheaper, its FREE.
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It won't be free on your seventh visit or outside KLIA though.
Wongchoy
post Jul 5 2014, 11:27 AM

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QUOTE(iamWill @ Jul 4 2014, 10:53 PM)
how/where do you use your card at sg?
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Just use it wherever visa is accepted.

QUOTE(ronnie @ Jul 4 2014, 11:03 PM)
You should charge SGD$1 x 5 times smile.gif
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The lowest i could manage to swipe was S$1.40 for a cup of soya bean. Too bad they don't accept cards now.
Wongchoy
post Jul 7 2014, 09:19 PM

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QUOTE(bearbear @ Jul 7 2014, 07:35 PM)
i wonder if outstanding BT (not due) play a role in this.

they could have just asked for 30k FD as my CL, why need to discount 10%?

Payment for CC and loan are on time so far for past few years.
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This 10% will make PB NPL rate remain low, just in case of default. PB really care about their image so this came as no surprise.
Wongchoy
post Jul 14 2014, 11:29 AM

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QUOTE(bearbear @ Jul 14 2014, 11:25 AM)
was told you need to pay stamp duty 0.5% of CL, meaning to pledge with FD for this card you need to pay RM150.
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Huh !? Wasn't it should be RM10 .
Wongchoy
post Jul 14 2014, 01:58 PM

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QUOTE(bearbear @ Jul 14 2014, 12:38 PM)
no idea, anyone can clarify?

I went to PBB and this was informed by the customer service.

Also if you pledge it will be board rate, you cannot participate in any promo FD.
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When my initial application was unsuccessful, i tried to appeal by pledging FD. I was only required to pay RM10 for the setem hasil to be affix to the 'right to set-off' form. Never heard of that 0.5% stamp duty thing at all.
Wongchoy
post Jul 21 2014, 06:17 PM

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QUOTE(HeHeHunter @ Jul 21 2014, 03:20 PM)
I wonder if it is possible to get another way round to get this card without 100k income or pledging 35k FD.

Such as proving that you have cash share trading account with 30k?
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Sorry, you have to pledge some sort of colleteral which is acceptable to the bank if you do not meet the requirement.
Wongchoy
post Jul 25 2014, 10:30 PM

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QUOTE(victorywp @ Jul 25 2014, 06:30 PM)
he found the answer as below.

i also think it should be considered as online but it wasn't...
so technically you are wrong.  laugh.gif
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To clear the confusion, to identify online transaction is to refer to posmode, not MCC . Posmode will tell whether the trnx is a swiped , MOTO or online trnx. MCC only highlight the merchant category.
Wongchoy
post Jul 25 2014, 10:57 PM

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QUOTE(Human Nature @ Jul 25 2014, 10:41 PM)
what is MOTO?
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That is Mail Order Telephone Order . Just think that you buy a copy of Newsweek magazine and you decided to subscribe to 1 year subscription by filling up the form with your card details... That is a MOTO transaction. Likewise you watch an advertisement on TV and you decided to call that telephone number to buy that item... Thats MOTO trnx too.

This post has been edited by Wongchoy: Jul 25 2014, 10:59 PM
Wongchoy
post Jul 29 2014, 11:32 AM

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QUOTE(prudence18 @ Jul 29 2014, 11:27 AM)
Other retail purchases earn VIP points only?
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Trust me, the points earning process will be miserable. cry.gif
Wongchoy
post Aug 13 2014, 09:12 PM

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Today i open up 6 packet of sunwhite rice which AEON gave for using paywave. All 6 packs filled with minimum 30%'black bull' !Just my luck rclxub.gif
Wongchoy
post Aug 17 2014, 12:56 PM

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QUOTE(Human Nature @ Aug 16 2014, 11:40 PM)
if follow T&C, cannot...but i managed to get it
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I also managed to get 3 packs at a time , on two occasion but am very dissapointed by the quality of the rice.
Wongchoy
post Aug 17 2014, 03:49 PM

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QUOTE(rachel_xxx @ Aug 17 2014, 03:29 PM)
wow free stuff also want to complain about quality.. really respect you.
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Thats because 30% of the rice already become black bull !! And if it is sold at normal price, sunwhite reputation will 100% become like MAS !

This post has been edited by Wongchoy: Aug 17 2014, 03:52 PM
Wongchoy
post Sep 27 2014, 02:00 PM

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QUOTE(smartly @ Sep 27 2014, 01:58 PM)
hi,
if i charge my AIA insurance monthly Direct Debit to this card, do i consider this as online transaction and entitle for 6% cash rebate ?
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Direct debit is NOT online payment.
Wongchoy
post Oct 18 2014, 11:40 PM

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QUOTE(Chong1980 @ Oct 18 2014, 08:53 PM)
SGD 8500
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Need IRAS NoA.
Wongchoy
post Oct 23 2014, 10:58 PM

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QUOTE(ronnie @ Oct 23 2014, 04:18 PM)
Let's see if I get 10 curious parties first smile.gif
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Did i miss anything ? +1
Wongchoy
post Oct 24 2014, 04:48 PM

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Pak Ronnie want us to spend at shops with PBB terminal . Then 100% same day posting lar ! Transaction which is posted on the same day surely get the best chance smile.gif

This post has been edited by Wongchoy: Oct 24 2014, 05:03 PM
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