That's what i put in the email, i asked what time the cash pool runs out. I emailed the custsvc@publicbank.com.my. Do you recall which officer who assisted you to that detail?

I suspect probably the call centre dont have access to the system. He kept saying this is generated/ monitored by the system etc. I rmb you get an answer where the cs actually told you the exact date and time where the cash back runs out. Either the uobpayonline is not eligible (i doubt so, it was Unifi and Maxis Fibre Net) or they have made a mistake. Awaiting for their reply now.

Unfortunately I could not pay my water bills via cc since it is paid to the condo JMC.

For TNB, to be eligible for the 1million swipe promo, i use shopee only and not uob payonline.

It was my shopee spending (RM373.90 - no TNB spending for that particular day) that made me eligible for the RM10 cash back. I dont think buying tnb bills via Shopee is tagged as utilities as it was all lumped together and shown in the statement as Shopee Malaysia SINGAPORE SG.

Still waiting for a reply from PBB

Concur with you! I click on all the TNB, Maxis, U Mobile, TM Unifi bills one by one and found that MarkJS is the best for TNB, followed by lkloke which is 1.5% (For Maxis, Unifi and TM Unifi, pay RM500 and the bill payment is RM507.5)

For U Mobile, it is sweetskylal who offers 12% discount (reload RM100 but only pay RM88).

It is great if you pay the bills in one combination, i.e. buy a RM500 bill and you can choose RM100 for Maxis account 1, RM50 for Maxis account 2, RM50 for Maxis Fibre Net, RM80 for TM Unifi, RM120 for TNB account 1, RM100 for U Mobile Account 1 etc.

When I started, I didnt pay in combination bill, which is unwise, because I need to look for the TNB bill seller, Maxis bill seller one by one to get the best/ highest discount. It was more hectic for me as I need to see which bill (TNB/ Maxis etc) account to pay and how much to buy from which buyer.

For my telecommunication (Maxis, U Mobile) bills, only need to give the hp no. and the amount to be paid.

For my utilities bill (TNB) and TM Unifi, only need to give the TNB/ TM Unifi account no. and the amount to be paid. There is one user who asked for the bill no./ invoice no.

For combination bill, you just need to give the details of the respective service provider. AFter making payment, and once the seller has been notified, they will confirm with you again is it for this hp no. xxx or account no. xxx etc. Some will proceed with payment once you have confirmed while some will just proceed with the payment if they didnt hear from you. As long as you have given the necessary details (account no./ hp no. and amount), they will process the payment on that day itself. When you check your account (e.g. via Maxis portal, TNB portal etc), it will be reflected immediately with the payment that they have made.

One of the convenient thing about shopee is that you just need to add all the bill payments into your shopping cart, after that just make payment and the OTP is sent ONCE to your hp, unlike uobpayonline whereby OTP is sent for each account. Hence it only appears as one line (Shopee) in your credit card statement if OTP is sent once.

Overall, I am happy and satisfied with all the sellers that I have dealth with, it is just an additional 1% to 1.6% of discount on your bill but the additional RM can be used in other bills payment. The best part is that for the 1 million swipe campaign, when you pay the TNB bills via Shopee, you can enjoy the 5% cash back (although I have still yet to see the cash back on my TNB bill yet since i did it at Week 14 Monday.

I think as a seller, apart from the commission, you can get cash back without spending your own money. Imagine a person with 10 PBVS, to earn side income and maximise the cash back, he/she just need to pay a total of RM8,333.33 (RM833.33 x 10) of bills who are requested from the buyers (without forking out his/her own money), he/she can get pocket money of RM500 (RM50 cash back x 10 cards).

By giving additional 1% - 2% to the buyer, more buyers will come to you to buy your products instead of those who offer no discount on bill payment. So far cant find any seller who offers up to 2% discount bill, the highest is 1.6%. At 1.6% discount, seller is absorbing cost of RM133.33. With the income of RM500, it is still a net income of RM366.67.

Seller only need to take the trouble to liaise with the buyer, make payments for the buyers, and not sure what other administrative work. This is one of the reason that I thought of for sellers at shopee who did that. You might wanna PM sms2u for more details and to understand the reason to start this business.

Ok, practising to use that now, didnt know how to use it before today.


My posting date was 2 days later but I still get the CB for Week 12 for shopee spending on a Monday. So I have been using SHopee to hit the RM1k / RM500 on Monday.

Depending on which bills you are looking at, it might change from time to time (some best seller might no longer have the product available and some other buyer might come up with a higher discount). During my last payment, the best for my bills were:-

1) U Mobile - seller "sweetskylal", Reload RM100 but I only pay RM88. That's the highest CB i have seen - 12%, on top of the 6% + 5% with PBVS on Monday.

2) TNB - seller "markjs94", value of the bill payment is RM500 but payment required from buyer is RM492 (1.6%).

3) a) Maxis, Unifi, TNB - seller "lsloke", value of the bill is RM507.50, payment required from buyer is RM500 (1.5%).
b) Unifi, TNB - seller "markjs94", value of the bill is RM200 but payment required from buyer is RM197 (1.5%).

4) Combination for Unifi, Maxis, TNB, U Mobile - seller "smsbusiness2u", value of the bill is RM1,000, payment required from buyer is RM988 (1.2%).

5) Combination for Unifi, Maxis, TNB, U Mobile - seller "smsbusiness2u", value of the bill is a) RM100 b) RM500, payment required from buyer is a) RM99 b) RM495 (1.0%).

Another TNB bill seller - "viva4ever", value of the bill is 50, payment required from buyer is RM49.50 (1.0%)

I will normally start surveying the bill product one by one and add the the product into my shopping cart. Comes Monday, I will double check my shopping cart and then make the payment.

This post has been edited by ytan053: Feb 3 2017, 11:31 AM

PBB have credited another RM15 for my Week 12 CB. So in total, it was RM25 for RM500 spending.

CB for Week 13 is in already as well.

My week 13 spending was Shopee & UOB Payonline for TM Unifi.

This post has been edited by ytan053: Feb 10 2017, 03:35 PM

They didnt give a reason, they just replied "we have credited another RM15 into your principal account"

I suspect it must have been the uob payonline because i realised that those 3 transactions were not in my uob payonline payment history and i didnt get the email notification from uob payonline on those 3 payments.

ronnie

Eligible for 6% dining:-
1) MC DONALDS - KT DAMANSARA

ronnie

Eligible for grocery
99 SPEED MART-1303
99 SPEED MART-1470

Eligible for dining
YING KER LOU- PARADIGM
PLAN B-PARADIGM MALL
COSANS COFFEE PETALING JAYA
MCDONALDS-ONE UTAMA

Eligible for online
MOLPAY*RSB-RAFFCOMM

I think all MOLPAY would have qualified for 6% online

I look at it this way:-

Amex (excluding utilities, insurance, government, education etc) as 6.25% during weekend, otherwise for those "1x tp items" it is 5.25% on weekend.

Those items that you cant pay with 6% cash back credit card online and on shopee, Amex is good to go during weekend. example: Tokio Marine insurance.

PBVS is 6% for online, dining and groceries - lose to amex during weekend with the exception below that I can think of:-

1) Paying for telecom bills and utilities, with shopee, can get easily another 1% (or more) off. That makes it to 7%.

2) Spending on Monday by swiping 8 x RM50 on Monday itself, 99% chance to get another 12.5% (RM50 for RM400) spent apart from the 7%. Still better than Amex weekend.

3) Even for government bill like MBPJ, DBKL, MBSJ etc, amex during weekend only gives 5% vs PBVS of 6%.

Now with the UOB promo of spending RM500 [on Yolo for online] and get RM50 back (10% equivalent) on top of the usual 6% feature, this promo also makes online spending with UOB YOLO more interesting than PBVS and Amex but must spend the RM500 be very early in the week.

This post has been edited by ytan053: Mar 16 2017, 06:27 PM

Let me clarify this as I have experienced it and confirmed it myself on 2 days. You can only use the same credit card and pay the same seller maximum twice a a day.

When I want to continue buying from the same seller, I need to use another credit cad (i.e. supp card) to buy another 2 items from the same seller.

depends on my need, i.e. do i want big discount (1.6% vs 1%) or do i have certain/ specific amount to spend.

For e.g. the 5x swipe, i nd to forgo the big discount coz usually high discount is given when you buy the bill in a large amount, i.e. RM500. So i go for those can give me value for money but still within 1 swipe of Rm50. The problem with RM50 swipe is i can only buy from one seller 2 bills with one cc, so if i wanna continue buying from the same seller for another 2 bills, i nd to use another cc.

So far have dealt with many seller and am happy with all of them, e.g. markjs94, sms2u, lsloke (i think, cnt rmb exactly), kuching1, chinleong etc. My bills (excluding assessment) are only TM, TNB, and Maxis. Hence it is easy to find deal that suits my need.

Thanks ClarenceT for the info! Got my Week 1 too with Shopee 8 x swipe in the afternoon

This post has been edited by ytan053: Mar 24 2017, 05:00 PM

For 8x shopee, it was for 4 x IWK, 3 x TNB and 1 x Maxis

My recent payment was in Mar 2017 and when I login now, I still can see the option of paying online with either visa or mastercard. Not sure what is the issue faced by the user who cant pay AIA payonline via credit card.