Since MBB is gonna restrict 5% on dining only and I max my MBB Amex for TM bills all these while, I think PBB Visa Signature will be a much better bet now as the capped amount is RM60 per month and at 6% cashback. Why did I miss this card all along? It seems to be a better choice than 5% Amex is offering , even without the restriction. Or did I miss something? This PBB VS can pay TM bills via Payonline and still entitled to 6% , right?

This post has been edited by michaelho: Jun 28 2015, 11:46 PM


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yeah thanks for info. I am aware of the income requirement. Will try my luck applying and use solely for TM bills if approve. Then it would only 3 cards for me :


PBB VS (if can get approval) : TM bills via Payonline
HLB WISE : Groceries / Petrol while Wife's Wise : Groceries / Syabas / TNB
HLB Essential : for every other things

This post has been edited by michaelho: Jun 29 2015, 12:08 AM

You should consider HLB Essential (unlimited 1% cash rebate on everything except petrol) instead of OCBC Titanium. OCBC Titanium is not worth carrying at all, just my 2 cents

This post has been edited by michaelho: Jun 29 2015, 10:37 AM

Because for me and wife, we have our spendings spread across 2 x Wise and 2 x MBB2, that is 4k monthly spending already, so HLB Essential is just a back up, won't qualify for the minimum RM2000 per month

sorry , double post

This post has been edited by michaelho: Jun 29 2015, 04:32 PM

PBB VS said pledge FD RM35K can apply already, good option.

More than enough for me, will probably ask them to limit to RM2k also, because max rebate is RM60. After my 100K card scam, now hv phobia

yeah, I know . What to do ? , but I will try with income docs first, if cannot baru pledge FD lor, by the way, any promo for application of this card now? Too late for the Samsung phone which is ending tomorrow

yes 100 freaking K, with a foreign bank. Dont want put name here .

Actually happened about 3-4 years back, I have actually cancelled the card with ABC bank less than 6 months ago but before CNY that year , I 'si fatt han' logged in into my online banking to see . SHOCKED to see an outstanding of RM100K . All the transactions were for a bogus computer company, and the mailing add was for an address in Cheras, To cut story short, police reports ensued and all the dingdongs with ABC bank and BNM, they made investigation (there is this house in Cheras but no occupant) and the fact I had cancel the card less than 6 months (no re-issue within 6 months I guess) etc, I finally got my case settled within a few 'sleepless' months.


Is advisable to go BNM to print out your CCRIS report every now and then, better be safe than sorry

This post has been edited by michaelho: Jun 29 2015, 05:09 PM

Meaning max usage only RM830 (RM49.80), sien-nya

for me, it is still better than HLB Essential 1% la, so will still use AMEX until I apply for PBB VS.

Will miss ya, 5% CB, you have served me well

My Amex was always maxed for TM bills only. I have HLB Essential (for all other spendings) & 2 Wise cards (for petrol & groceries/TM & Syabas ). So pretty much covered already. Aeon Watami (scared cannot hit and also hard to monitor, monitoring Wise card (me & wife's) already make me .

Ambank True sounds good, will get more info on this card. but webpage mention nothing about 3% http://ambank.com.my/eng/cards/true

Sorry , typo there. Wise for TNB

Sorry , typo there. Wise for TNB