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Credit Cards Public Bank Credit Cards, PB Visa Sig 6% & Quantum 5% Cash Back

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cybpsych
post Jul 17 2017, 03:07 PM

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QUOTE(red_scorpion @ Jul 17 2017, 02:52 PM)
anyone face public tac issue? couldnt receive tac from pbb..using umobile line
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QUOTE(ckweng @ Jul 17 2017, 03:04 PM)
I'm experiencing it as well, OTP is supposed to send to my Umobile number. Trying with "resend OTP" option now  sad.gif
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try switch to airplane mode, and let it reconnect to umobile network.

the sms otp all flushed out smile.gif
cybpsych
post Jul 18 2017, 08:36 AM

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QUOTE(blstz @ Jul 18 2017, 08:26 AM)
i would like to ask for those quantum card holders, does your monthly statement include transactions for both cards (MC & Visa), as in one statement? Or is it separate statements for MC & Visa?

I just got hold of my cards two month ago and my first statement only had transaction from my MC as i did not use the Visa card in the first month.

However, my second statement still showed transaction from my MC only even though I've used my Visa card by then already. And the transaction date for my Visa card should be covered by the second statement period. I end up paying for the Visa statement balance by referring to the balance stated on my PBe Online.

Also, when you guys make payment. Do you pay twice in separate payment to MC and Visa? Or can I just pay the full amount (MC + Visa) into one account number (eg. MC).

Thanks!
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mine, quantum visa+mastercard + vs

user posted image


did you [ADD] your Quantum Visa in PBe after gotten the card? perhaps it wasnt added, thus statement didnt include the Visa when generating the statement. just a guess.


for payment, pay to each card.

if you have PBB SA and transfer from other bank (e.g. Maybank), IBG to SA first (incur 1 time IBG fee RM0.11), then pay to each CC from SA (free). remember to [ADD FAVORITE] for each of your CC in PBe. this method particularly useful in saving IBG fee biggrin.gif
cybpsych
post Jul 18 2017, 11:44 AM

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QUOTE(yiyi87 @ Jul 18 2017, 11:40 AM)
no cash back for spending at Lulu supermarket
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what card did u use? which part of lulu did u swipe?
cybpsych
post Jul 18 2017, 01:34 PM

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QUOTE(cybpsych @ Jun 14 2017, 05:30 PM)
PB Mass Acquisition Credit Card Campaign [ PBB | T&Cs ]
now extended until 31 July 2017

user posted image
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QUOTE(spiderwick @ Jul 18 2017, 01:28 PM)
Hey guys,

if I'm only applying the credit card now..is it too late to claim for the luggage bags?

I can only sms to public bank after my card is approved right?

Thanks!
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still can make it wat.

check the T&Cs on the eligible card and spending criteria.
cybpsych
post Jul 18 2017, 01:44 PM

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QUOTE(spiderwick @ Jul 18 2017, 01:38 PM)
Approval so fast meh? lol tongue.gif
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why not? standard approval is about 1 week.
cybpsych
post Jul 18 2017, 03:03 PM

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QUOTE(spiderwick @ Jul 18 2017, 02:59 PM)
Hey guys, just to update u all. Was informed by public bank that 31st Jul deadline is referring to date of application submission.

Ya cybpsych, I'm safe  rclxms.gif
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rclxms.gif good that u get clarification from pbb too.
cybpsych
post Jul 18 2017, 03:08 PM

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// 18 JUL 18 JUL (DGP) SWIPE MORE FOR CASH-WK16 50.00CR //

achieved 8x paying webe bills on 19 Jun.
cybpsych
post Jul 19 2017, 01:20 PM

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QUOTE(lilsunflower @ Mar 2 2017, 06:07 PM)
I believe split and multiple are 2 different things. Split is if you have the same invoice and break it into components (several part payments). Multiple is where you swipe one after the other, each with a different invoice. This is based on my experience and past clarification with CS.

If you read this compared with HSBC terms (off memory), HSBC specifically says disqualify split transactions AND multiple swipes at same merchant (typically more than 2 or 3). This implies that split and multiple are different things.

In all PBB past promos I have done multiple swipe strategy and always got cashback.
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QUOTE(lilsunflower @ Mar 2 2017, 06:35 PM)
I Googled it, and I believe the way a split transaction is processed at the terminal is different from a multiple payment. Based on my cursory reading, the split payment function will reconcile to one sale, while multiple is self explanatory.

I'm not a tech person but there should be a way of tracking.
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QUOTE(lilsunflower @ Mar 27 2017, 10:09 PM)
Haven't been online all day as was too busy shopping (and collecting my 8x swipes the "traditional" way) and was amused by the thread developments. Just some observations of (very) frequently asked and answered questions. Based on previous experience reported from past promos:

1. Utilities restriction refers to TNB and Water (e.g. IWK and Syabas). Telcos (e.g. Maxis, Digi, Astro, Unifi) have previously been eligible for cashback. Even based on Week 1 reports, these seems "safe".

2. Split vs Multiple swipes are different concepts. Split is disallowed, Multiple has been allowed in the past (based on MY experience). Based on Week 1 reports (including my 8x consecutive Amazon gift card purchases all within 5 minutes), multiple also seems "safe". The only risk here is that multiple MAY trigger a card block (it didn't for me) and you will get annoying "multiple transaction" alert SMS.

Note - My comments on Split vs Multiple are based solely on experience and NOT the TnC, as "Split" is not defined and there is no exclusion on "Multiple" (therefore, you CANNOT rely on the TNC to complain if you do not get your CB... and there really is no point writing to BNM). As I've said many times before, I have done multiple transactions (both online and in retail shops) and successfully received CB all these years in every promo. And I am also comparing the wording with HSBC's promos where they SPECIFICALLY say things like "Split and Multiple transactions of more than XX times per day will be disqualified", thus implying that Split and Multiple are 2 different things. You can Google all this if you want a technical explanation of what a "Split" transaction is.....

At the end of the day, we cannot GUARANTEE that cashback will be paid out, as all this is sharing based on individual users' experiences. Each of us take the risk, and if successful, we benefit from the reward. Therefore, anyone who is too scared or paranoid to test out themselves (or believe the reports) really shouldn't complain if they lose out on cashback. That's just my 2 cents.
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QUOTE(kelvintt @ Jul 19 2017, 12:07 PM)
A few transactions on the same day not considered as duplicated transactions?
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QUOTE(Prop.Observer @ Jul 19 2017, 01:13 PM)
What is the differences in betweem multiple swipe and split transaction?
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search, read above, or google
cybpsych
post Jul 19 2017, 03:44 PM

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QUOTE(putra23 @ Jul 19 2017, 03:30 PM)
All different TNB accounts for Shopee?
TNG reload where?
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no online reload for tng.

go traditional places to reload, target Grocery outlets to reload tng better.
cybpsych
post Jul 20 2017, 09:00 AM

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QUOTE(Prop.Observer @ Jul 19 2017, 01:51 PM)
Very deep meaning.
Eg. one unifi account has remaining outstanding about rm 200. User transacted 4 times x rm50 in order to eligible 5x/8x.
It is consider 4 multi swipe or 4 split transaction ?  rclxub.gif
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just pay one amount, get OTP, then pay again, get OTP, and so on. rinse and repeat. this is MULTIPLE payment. 1 payment from you, 1 payment received from merchant.

you want to vary the amount also can, same amount also can. just manually pay. online bill payment has no "split bill/payment" function anyway. just be mindful if you swipe at physical terminal whereby some merchants/POS terminal has the function to "split bill".

below, example of me paying webe bills, 7x same amount (my 8th was RM52 cuz total outstanding to pay was RM402 anyway). no concern, gotten the promo cb 2 days ago thumbsup.gif

user posted image
cybpsych
post Jul 20 2017, 09:09 AM

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QUOTE(ClarenceT @ Jul 20 2017, 09:08 AM)
You could pay 8x RM50 on 19/6. Keep Rm2 outstanding and pay RM50 (advance payment RM48) on 26/6.
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doesnt matter. i decide the amount to pay.
cybpsych
post Jul 20 2017, 03:48 PM

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QUOTE(rdevil33 @ Sep 28 2015, 03:58 PM)
Regarding the top up made at Aeon Tebrau City JB (customer service counter@ground floor supermarket ONLY), it is confirmed that the transaction is classified as Grocery and entitle for CB for MBB Ikhwan (5% on Fri & Sat) & HLB Wise (10%). rclxms.gif
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QUOTE(MGM @ Jul 20 2017, 02:47 PM)
And it will be categorised as grocery?
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fyi


QUOTE(wjtai @ Jul 20 2017, 03:44 PM)
Honto ni?!
Any other place around JB that can use CC to pay?

Thanks.
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https://forum.lowyat.net/topic/3757650

This post has been edited by cybpsych: Jul 20 2017, 03:50 PM
cybpsych
post Jul 23 2017, 08:38 PM

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QUOTE(jutamind @ Jul 23 2017, 08:00 PM)
Swipe for cash promotion is based on transaction date or posting date?
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clearly stated in t&c: transaction date
cybpsych
post Jul 24 2017, 09:59 AM

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QUOTE(kevyeoh @ Jul 24 2017, 09:42 AM)
hi all,

a bit help to clarify here...so if there's more than 1 supp card...all the swipes in different supp card will be counted towards the 5x/8x cashback right? maybe 2x swipe for supp card 1....then 2x swipe for supp card 2...this one is total 4x swipe already?

thanks!
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yes and yes

however, you must register based on your principal card first, then all supps from your principal cards shall be aggregated

This post has been edited by cybpsych: Jul 24 2017, 10:01 AM
cybpsych
post Jul 24 2017, 03:00 PM

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QUOTE(cybpsych @ Jun 19 2017, 06:31 PM)
Spend & Win with PB Visa Infinite and PB Visa Signature Credit Card [ PBB | T&Cs | Application Form ]

user posted image
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QUOTE(noien @ Jul 24 2017, 02:52 PM)
any link for this ?
i cant seem to find it in public bank page
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cybpsych
post Jul 24 2017, 04:58 PM

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// 24 JUL 24 JUL (DGP) SWIPE MORE FOR CASH-WK17 50.00CR //

nice! achieved 8th swipe on 26 June (Mon) for maxis & unifi bills.
cybpsych
post Jul 25 2017, 04:41 PM

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QUOTE(benson92 @ Jul 25 2017, 04:31 PM)
hmm, a bit too late on the boat to apply PBB Quantum 2 cards, any free gifts if apply now? i saw their page have online application dy, so can apply online?
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to register: never too late wat. laugh.gif

but the quantum signup promo already ended.

u can try register via online form. if failed, fill up the PDF form and email to them.
cybpsych
post Jul 25 2017, 04:47 PM

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QUOTE(benson92 @ Jul 25 2017, 04:43 PM)
i saw ringgitplus can apply the card separately, but in 1 bundle when apply thru pbe website  confused.gif
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quantum come in pair. if RP allow u to apply single card, sure you can do it.

getting a pair of Quantum gives you 4 categories with cashback. no AF, why worry?
cybpsych
post Jul 26 2017, 07:23 AM

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QUOTE(theberry @ Jul 25 2017, 09:12 PM)
hey guys, when is the statement date for PBVS?
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QUOTE(theberry @ Jul 25 2017, 10:47 PM)
i meant for monthly statement.
so they just send u when there is transactions?
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there is no FIXED statement date. each of us have different statement date.

have you read the letter that came with the card? it stated your card number, credit limit, and also statement date.

else, call CS to find out. you can also change the statement date that suits your preference.
cybpsych
post Jul 26 2017, 10:22 AM

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QUOTE(DIYHOMEFIX @ Jul 26 2017, 10:16 AM)
is a question  cause i spent rm spend up to rm 2,566.70 but rebate so litter  i call up cs they said is count correctly  hmm.gif
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what are you expecting to get from this card anyway? did you read the benefits of this card?

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