ytan053's advice is similar to my experience. My husband just created a savings account with PBB on Monday. He deposited RM250, then withdrew RM230 immediately to maintain the RM20 minimum amount. He also did not opt for an ATM card, so no annual fees.

Once that was done, he could create an online account. It was a very easy process.

My other supplementary card holders didn't want to go through the hassle of this, so they just rely on hardcopy statement. However, if you want to check your transactions, you can easily call CS and they will happily go through all your transactions with you on the phone.

25 AUG (DGP) SAVE MORE WITH PB CASH BACK-WEEK 7 50.00

6 on 18 July (Amazon)
2 on 19 July (Unifi)

Just received my new Phillips coffee machine from the supplementary cards promo a couple of months ago.

PBB is very good at honouring their promo T&C - the coffee machine was delivered exactly 6 weeks from the date I fulfilled the RM300 spend criteria. Haven't used the machine yet, but it looks like a standard filter coffee machine, which I can use in my office.

Am now thinking if I should take up the Lock&Lock supplementary cards promotion offer. Did anyone else take this up? I have no use for the stuff and will probably end up reselling or giving away.

Here's the one for the lock and lock promo. Fastest way is to email to the number on the form.

I decided to sign up for this too and will submit this Monday before the public holiday


Attached File(s)
 app_form_suppccc.pdf ( 386.31k ) Number of downloads: 36

I've already got 2 supplementary cards, applied under 2 separate promos and received the following:

1. 1st supp - Oster Blender

2. 2nd supp - Phillips Coffee Machine

I presume the 3rd will have no problem, as the T&C only restricts applying for 2 supps under the same campaign, not previous campaigns.

That's the 6%.

5x and 8x swipe promo says Save More, followed by Week number.

We're waiting for week 8 currently.

It's ok, I'll just try my luck. I like the element of surprise and it costs nothing . Will update with my first hand experience if I am third time lucky.

30 AUG (DGP) SAVE MORE WITH PB CASH BACK-WEEK 8 50.00 CR

Yes it is. As long as you're within the RM833 monthly limit.

I have 3 supplementary cards, all applied separate statement. 2 of them have same statement date as my principal, while 1 is different (4 days later).

I REALLY hope PBB VS doesn't change any of its TNC. UOB Vox and HLB changes have forced me to find new ways to maximise cashback!

07 SEP (DGP) SAVE MORE WITH PB CASH BACK-WEEK 9 20.00

Only hit RM20 this time because I was in France and using my Ambank WMC for better rates.

Yes to both questions. But as mentioned before, supp cashback is only separate if separate statements (based on current "glitch").

One of the exclusions is as follows:

Payments for utilities, direct marketing, insurance premiums, government related payments, payment via www.pbebank.com

No - Their definition of utilities is TNB & Syabas. What I normally do is to call them immediately after the transaction and then obtain the MCC code and PBB's classification. Better to be safe.

From my previous dealings with PBB, they have a list of MCCs and their own classifications. This is not necessarily the same as every other bank.

Luckily you brought this up. I just received another supp card (applied under the Lock&Lock) and didn't really read the T&C.

To be safe, I will ask my brother to top up RM300 TNG at Jaya Grocer. Grocery is usually super safe and can benefit from the 6%.

For this purpose, I believe it is recorded as insurance (although I haven't tried). The reason why I say this is because I called CS last night to ask about my POS Online transactions (to pay AEON Credit Card).

Every month I receive 6% CB on my POS Online payments. However, CS confirms that the MCC code is 9402, and that it is listed as "Government" on their system.

The same kind of reasoning applies for all those promo campaigns (e.g. Swipe 5x / Swipe 8x). You will still get 6% normal CB on utilities, government, and insurance. However, all PBB promotions seem to be based on MCC codes.

This post has been edited by lilsunflower: Oct 8 2016, 01:13 AM

There is a difference between the T&C for the 6% standard feature, and PBB promotions. For example:

6% standard CB is awarded for online transactions, and does not have a specific exclusion for government, utilities, insurance etc. For example, if you make an online transaction for utilities (e.g. TNB) or government (e.g. POS Online), they will still award you 6% because there is no specific exclusion.

However, for the promotional T&C, these usually exclude government, utilities, and insurance. So, if you make an online transaction, but to government, utilities, or insurance, these do not benefit from the promotion.

Does this make sense?

I'm just making an informed guess based on my reading of T&Cs, as well as the many examples of forummers' experience (and my own) from the promotional cashback eligible categories.

Sorry for not using multi-quote. I read this question after I posted the last comment.

I have received 6% cash back for insurance. Every year, I pay my Etiqa motor insurance using my PBB VS and get full cashback.

Please read my previous comment on my theory on PBB's cashback award system (e.g. standard 6% feature vs promo terms and conditions).

Yes but you have to call CS and they will cancel your supp and issue a new card.