i hope it wont  too risky for VS holders to lose

Maybe lower rate and monthly cap - like a competitor to CIMB CR.

It's already out officially, i believe.

There's advert in the star. quick summary of benefits that i managed to get from the advert.

Quantum Visa 5% Cash Back for Departmental and Entertainment
Quantum MasterCard 5% Cash Back for online and dining

Cash rebate capped at RM30 per month.

I want to apply both cards too, need another card for dining

Recently just applied for credit limit increase and new cc application, not sure will effect or not, will try and see

I will get the departmental store one too. But my main aim is the flexipay. I wonder whether car downpayment is eligible for it. 12m zero interest is better than the usual 6m BT offered by PBB/Aeon

Interestingly, I quote from NST:

Consumers are required to apply for both cards at the same time

Free gift only for new to bank 

You can go direct to apply the PB Visa Signature already lo, why apply for this? 

Btw, if intend to apply for PB Visa Signature, should I apply this first (Quantum) or I should apply straight PB Visa Signature.

On theory should not make any difference since it's the same bank and requires the same documents. But my salary is just reaching the threshold and don't want to take any risk

Sama sama lo. But mine is fixed allowance which is deducted EPF so I guess can include inside fixed salary. If just based on salary itself would be below the requirement. Need another 1 month to reflect my final and 3rd month new salary. Though if based on bonus, would have qualified by now but don't want to take the risk and submit now. 

I try to apply PB Visa Signature first, if rejected at least fall back to this 2nd option. Worst case scenario. But I've been aiming the PB Visa Signature for 1 year plus already since it's launch. Pray hard can get it though with the return of 5% CB for Maybank2card at least not so critical. But 6% for online, dining (everyday) is indeed very tempting.

I will let you know if mine approved when I apply next month. Seems like our salary is quite close 

If I get the PB Visa Signature topping up with this Quantum is piece of cake already since it's lower requirement, rather than do it the other way.

I can make do with the free gift anyway.

Only require 1 month salary slip.
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Done submitting mine 

Use form Be will do if your total income got hit 100k(inclusive bonus). If ask me use payslip or epf statement only sure not qualify. 😂

Sifu i try read their T&C but I can't find any answer for my question.. i wish to know is there any spending threshold to qualify for RM30 CB? since its not stated in T&C then i guess should be none (if this is the case then i would say goodbye to my YOLO). Also would like to know if I apply for supplementary card for these two cards, the monthly CB limit is per account or per card i.e. both principal and supplementary having RM30 limit per card?

I tried to call their CS but it took so damn long for me to reach a CS via call  .. any sifu here can help? 

Thanks sis fruitie. So PBB VS the CB limit is per card and not like MBB Amex where the CB limit is per member/account? If there is the case then i will get another supplementary so i can get 60 or online transaction per month.. which can totally say good bye to the UOB Yolo.

My monthly payment for mobile phone, Unifi and TNB online is around 1K as i pay on behalf of my family as well. So RM600 (5% then RM30 cap) online spending is not enough for me.

We already have so much things removed since many alerted CS about UOBPayonline.
Sad indeed.

How do you guys records your cb? and do you guys use the "saved" money into your savings or just use it afterwards?

All the BT and instalments are considered as part of your financial commitments, so yes, it will affect your CTOS score. You can get free CTOS report online.

They also do credit rating, e.g. if you are late in your monthly payments etc. they have a record.

Hello, would like to check on how paying for  credit card usage works.

For example, if my credit card last generated statement balance is RM300, but my current outstanding balance is RM200 because the RM100 i paid wasn't reflected until after the statement was generated.

Should I be paying the Rm300 on the statement, or can i pay RM200 on my current balance without incurring any interest rate?

I am using CIMB. Wait, so that means I have to pay the statement amount no matter what ?

I actually made payment for part of the CC expenses a day or two before the statement came out, claims from my office. It wasn't reflected until a day later. So end up my outstanding balance is lower than the statement. That would still cause me to incur interest rate?