Picking up my 5th tomorrow

Ive done spouse parents and siblings.

Yes, if opt for separate statement.

Technically should not be, but under current practice this method works. So please don't go calling CS to confirm in case they close this "loophole".

Product disclosure says:

Visa Signature Credit Card 6% cash rebate on grocery, dining and online transaction locally and abroad, capped at RM50 per month per principal account (excludes payments transaction via www.pbebank.com).

Note the cap per principal account and not per card holder. That's quite clear, no?

And previous posts have mentioned CS saying no separate cashback.

Yes, but read the exclusions for the promo cash back.

The 6% standard covers everything online.

However, the promo cashback generally excluded utilities, insurance and government, even if paid online. Mobile, astro and telephone all ok based on previous campaigns.

No, as it doesn't fall within groceries, dining or online.

Just curious, why do you prefer direct debit when online payment is also quick and easy?

Also, with online payments, you can time your payments better to qualify for promotional cashback too.

Just wanted to add that even if you want to keep your direct debit in place (for whatever reason), you can still make payments online to benefit from the cashback.

For example, I have a direct debit instruction with Digi (due to some rebate they were giving) but my balance with Digi is forever in credit due to over payments during promotion periods with my PBB VS. If your account is in credit, you won't be charged via direct debit.

Yesterday I paid RM200 to Digi to qualify for the RM10 promo cashback, plus 6% standard cashback. If I'm "short" of spending for a promo, I will also use Digi / Astro / Unifi as my back-up to hit the spending targets.

Note - normally you have to SMS to participate, so don't forget it.

LYN forummers usually post all the recent promotions here. But in case you miss out, check here:

https://www.pbebank.com/Personal-Banking/Promo/landing.aspx

The most current and popular one right now is:

https://www.pbebank.com/Personal-Banking/Pr...h-PB-Swipe.aspx

For me? RM1,000 per week (spread across principal and 5x supplementary) on the dot to maximise CB. Hahaha.

Looks like each Principal card is entitled to the cashback right? I registered both my PBB VS and PBB WMC principals, and just need to remember to swipe tomorrow.

That's how I interpreted it, as this seems to be an initiative to encourage people to change PIN before 31 Dec as opposed to an acquisition programme.

Anyway, in the absence of clarity, I just sent the SMS and have spent RM20 on both my principal cards. If I get cb, it's a bonus.

You can have two DIFFERENT principal cards i.e. PBB VS + PBB WMC, but not 2 of the same type of card.

Call 03-2176 8118

I think there's a menu option for new card application status. They can check if your application has been received, and status etc.

This post has been edited by lilsunflower: Oct 27 2016, 11:20 AM

I have never had problems with foreign online purchases e.g. paypal, purchase of goods online etc. However, I have never purchased "services" like insurance overseas. Did you ask the CS what the MCC code was?

For Paypal transactions, never. Trying to recall, Amazon and Itunes also no OTP. Oh, even when I paid my professional membership fees and purchased books (to a UK co), I didn't get OTP. However, all the above transactions received CB.

The reason I asked about MCC is just to check what they have on record. For example, I don't know if your foreign insurance company received your CC details but did a manual swipe (sorry, I don't actually know how these things work). Or if its something like Grab / Uber apps, where it *should* be like an online transaction, but actually its not (and hence, no cashback for those).

Sorry if this isn't very helpful.

What's even better is if you use the Shopback portal before you go to Lazada. Google and check it out - self explanatory.

Didn't get either. Mines 1000 on Wed lunch time. Am puzzled.

I usually never ever miss PBB cashback...

This post has been edited by lilsunflower: Oct 28 2016, 03:41 PM

I definitely swiped after registering and kept screenshot.

What medium are you using to raise your query? Email PBB CS?

OK, just sent my e-mail too.

Have you ever had a promo cashback dispute before? This is my first time and I'm very nervous because I spent RM1,000 every single week during the past few weeks. Will be so disappointed if I don't get anything for all those weeks.