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

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atjm88
post May 13 2017, 11:51 PM

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QUOTE(cybpsych @ Apr 7 2017, 10:58 AM)
list given by PBB CS as above. treat it as a general reference.

may not be complete, but i suspect based on MCC.

nearest comparison i could think of is RHB EVO card, which already EOL.
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Wow, just search online for RHB Evo Card. The Cash Back up to 20%? Why they remove this card? Is it because of the extremely high cash back percentage given by just spending RM250 on Amusement and Entertainment Venues?
atjm88
post May 13 2017, 11:57 PM

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1. Is the payment made using Pay Bill Malaysia eligible for 5% CB?

2. How about payment using Jom Pay on PB Online?

3. If pay TM Bill via tm.com.my, Digi Bill via digi.my and Astro Bill via astro.com.my, can I get 5% CB too?

4. Any of these 2 Cards can get CB from Grocery Spending?

TQ rclxms.gif
atjm88
post May 14 2017, 10:59 PM

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QUOTE(janson_kaniaz @ May 14 2017, 10:10 AM)
OK. This can be actually a good thing you know. I will try to pay with PBB tomorrow to test if I can receive the 5x/8x promo tongue.gif

I guess that's the end for WISE then? I don't see the point of keeping this card if I can't pay utilities with UOBPayonline anymore...
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What payment you use for 5x/8x promo? Utility is not under the promo am I right? biggrin.gif
atjm88
post May 18 2017, 12:14 AM

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Why someone have VS still want to get Quantum? Is that Quantum have extra benefit which VS don't have? Curious to know it, thanks smile.gif
atjm88
post May 18 2017, 08:54 AM

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QUOTE(mamamia @ May 18 2017, 08:00 AM)
RHB too
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You mean when you apply for RHB loan and get approved, they will automatically send you a CC without the need to apply for the CC itself like fill in the form or anything else?
atjm88
post May 18 2017, 11:16 PM

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1. Why need to pay TNB via Shopee for 5x/8x promo?

2. Anyone pay SESCO and get cash back under 5x/8x promo? Already registered under Pay Bill Malaysia, but the amount cannot less than the billed amount, any idea where can I pay the bill with lesser amount and still can get 5x/8x promo?

3. How to check new MCC Code which is not listed in the 1st page? I've done some Grocery/Departmental Store purchase few months ago, is that the bank still allow us to check back the old MCC Code?

4. If let say recently I use RHB Card at McD and obtain 4 digits MCC Code, is that the 4 digits MCC Code for McD will be same for PB CC?

Thanks. rclxms.gif

This post has been edited by atjm88: May 18 2017, 11:21 PM
atjm88
post May 20 2017, 07:57 PM

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QUOTE(lilsunflower @ May 19 2017, 12:29 AM)
1. Because utilities are excluded from promo. Going through shopee will make it seem like you're buying from an online shop, and hence not utilities.

2. SESCO can do through Shopee.

3. You can try calling CS and tell them the transactions you want to check. Not sure how far back their records go, but you can try any way.

4. Yes. MCC code will be the same regardless of card issuer.
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QUOTE(ClarenceT @ May 19 2017, 05:09 AM)
Paybillsmalaysia (PaymentGalaxy) - Online+Government. SEB Cares (Sarawak Energy) - Online+Utilities.
Both qualify for online rebate (6% for PB VS) but not qualify for 5x/8x campaign (please refer to terms and conditions of this campaign)
You can pay any amount >RM1 at SEB Cares now, Paybillsmalaysia (PaymentGalaxy) had disallowed this (thru open payment by using credit card) since 2015/16.

To qualify for 5x/8x, you may try Shopee. But only 1 seller (TNB bill payment, a lot of sellers), so you can have max 2 transactions only per card, per seller, per day. Please also note that Shopee is using different time zone (London?) for payment processing, based on the forumer's feedback, avoid paying in Monday early morning.
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1. So if I pay using Shopee for SESCO, can I choose to pay it using Gold Master, Quantum Master and Quantum Visa to get 6 times payment of RM50 each?

2. How about TM Streamyx Bill, Astro Bill, Digi Postpaid Bill? Can I pay it using Shopee to entitle for 5x/8x cash back too? Or can pay using their own website?

3. What's the merchant code for Shopee for SESCO Payment?

Thanks smile.gif

This post has been edited by atjm88: May 20 2017, 07:58 PM
atjm88
post May 21 2017, 02:37 PM

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QUOTE(lilsunflower @ May 20 2017, 11:20 PM)
1. Yes

2. Either Shopee or own website will work. If you want to GUARANTEE the 6% standard online cashback as well as the 5x/8x, then use own website, as Shopee has recently had a few issues with some (random) transactions being recognised as "manual" instead of online.

3. There's only one merchant. Search SESCO and you'll get only one answer.
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Thanks for the reply.

1. What is the 6% you mean? Is it for VS 6% and 5% for Quantum?

2. If I need to pay SESCO using Shopee, is it only can pay using the denomination given like RM100 where I can't pay RM101.50?

3. Which MCC will be tracked if I pay SESCO using Shopee? The MCC will be for SESCO or Shopee?

4. I just check and confirm with PB CS, they said the payment for Astro, Digi, Maxis not include in the 5x/8x promo, then how come we can pay using the original website? Please guide.

TQ rclxms.gif

This post has been edited by atjm88: May 21 2017, 03:56 PM
atjm88
post May 21 2017, 10:49 PM

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QUOTE(lilsunflower @ May 21 2017, 05:38 PM)
1. Yes

2. The seller sells RM1 too. So you can pay RM102. Or 51 x 2 so it's 2 swipes for the promo. Btw, why not you check it out instead of asking? I'm happy to help, but wonder why you aren't doing your own checks first.

3. MCC will be Shopees one

4. I don't know what CS says, but many forummers including myself have reported they got cashback. I have already received RM50 for 7 weeks. If you prefer to rely on CS then that's fine too. Risk and rewards are for you to decide.
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QUOTE(mamamia @ May 21 2017, 05:51 PM)
And please do not go n ask CS why some ppl get the cashback but CS said no..
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QUOTE(janson_kaniaz @ May 21 2017, 07:32 PM)
Like what mamamia said, kindly don't call CS for "confimation". they know nothing. the easiest way is to ask here. ppl have been posting when they got the 5x/8x promo cashback and how (from which website), still ppl insisted to call CS. sooner or later they will know and everyone will get nothing.

Previous replies from other members by using the search function:
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Thanks for the reply. Don't worry, I'm not stupid to tell CS about this. I also need the CB a lot.

As I'd experienced it last few month, I called to TM CS for the payment using PB CC RM50, it's not entitled for 5x/8x promo... cry.gif

So, I will preassume that Astro self care refer to astro.com.my, Digi payment using digi.my (Not the Apps) and also TM bill pay using tm.com.my will be entitled for the 5x/8x promo. biggrin.gif

Correct me if I'm wrong. Thanks every boss here rclxms.gif

This post has been edited by atjm88: May 21 2017, 10:59 PM
atjm88
post May 22 2017, 11:32 PM

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QUOTE(winner @ Apr 20 2017, 08:11 AM)
They charge you higher fee for the amount you pay to your bank. Also, your credit card has cash back limit per month. In the end, the cash back you receive cannot even cover the additional charges you pay to the sellers.
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How if I pay SESCO using Shopee? They charge also? smile.gif
atjm88
post May 22 2017, 11:39 PM

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May I know the MCC Code for Shopee for those who pay utitlities under Shopee and already received CB from Quantum Master Card and 5x/8x promo?

Is it 7278 Shopee Malaysia?

Thanks.

This post has been edited by atjm88: May 22 2017, 11:41 PM
atjm88
post May 26 2017, 08:01 PM

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QUOTE(cybpsych @ May 26 2017, 07:15 AM)
dont "waste" money pledging for a cc. you could have better use for the sum of money elsewhere or emergency-use.

there are other cards out there that is comparable to VS. may not be 6% cb, but a lot of them having 5% which is good. if possible, shift spending to Amex primarily (bill payment via m2u), then other cards like Quantum (online/dining/entertainment/departmental).

for quantum, do a "separate statement" for Supp card, you'll get additional (standalone) cb apart from the principal.
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You mean separate statement date for both supp and principal card can let us receive different CB amount?

Eg: Principal statement date is every 1st of the month and Supp is every 2nd of the month, so Principal can get RM60 (Max) and Supp can get RM60 (Max)?

But when both Principal & Supp are under same date and same statement, only RM60 (Max)?

This post has been edited by atjm88: May 26 2017, 08:01 PM
atjm88
post May 26 2017, 08:21 PM

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QUOTE(SzeMeng76 @ May 26 2017, 08:07 PM)
YES. this confirmed by CS earlier. which i don't know, I applied with same statement already.
If want to change to separate statement, I as Principal holder need to write in letter and mention separate statement,
and they will cancel current sup card and issue a new one (which i cannot understand this)
same statement, we can keep track the transaction in unbilled transaction in principal's Pbe.
For separate statement, my sub can only know the statement balance once they emailed the statement.
Cannot register Pbe to view unbilled transaction though.

Info got from CS.
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Thanks.

1. Can Principal & Supp using same email address and home address?

2. How about 5x/8x promo given after separate statement for Princ & Supp? Is it each of them have to swipe 5x/8x? Or can combine like usual?
atjm88
post May 26 2017, 10:40 PM

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Appreciate if you guy here can help on the following inquiries:

Q1: Anyone tested to pay the following bill using Quantum Master Card with/without issue?
1. TM
2. Digi
3. Astro

Q2: Is it possible to get 5x/8x promo with the following way to pay my bills?

A) 2 swipe (RM50 x 2) using Quantum Master for SESCO Bill at Shopee
B) 2 swipe (RM50 x 2) using Quantum Visa for SESCO Bill at Shopee
C) 2 swipe (RM50 x 2) using Visa Gold for SESCO Bill at Shopee
D) 1 swipe (RM50 x 1) using Quantum Master for TM Bill at tm.com.my << Not sure if this card acceptable or not yet
E) 1 swipe (RM50 x 1) using Quantum Master for Astro Bill at astro.com.my << Not sure if this card acceptable or not yet

Q3: How many card are entitle to the Normal Cash Back for Q2?
Is it A, C, D, E can receive Cash Back? A&D&E entitled for 5% (RM10) whereas C entitled for 0.2% (RM0.10) Cash Back? And B got no Cash Back at all right?

Thanks rclxms.gif

This post has been edited by atjm88: May 26 2017, 10:46 PM
atjm88
post May 28 2017, 06:03 PM

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QUOTE(red_scorpion @ May 27 2017, 12:04 AM)
In TM portal, quantum master card is not accepted, you will receive a msg of this credit card cannot be used, pls use others..many ppl reported this issue, waiting pbb to fix it
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Thanks, how about Q2 & Q3?
QUOTE
QUOTE(atjm88 @ May 26 2017, 10:40 PM)
Appreciate if you guy here can help on the following inquiries:

Q1: Anyone tested to pay the following bill using Quantum Master Card with/without issue?
1. TM
2. Digi
3. Astro

Q2: Is it possible to get 5x/8x promo with the following way to pay my bills?

A) 2 swipe (RM50 x 2) using Quantum Master for SESCO Bill at Shopee
B) 2 swipe (RM50 x 2) using Quantum Visa for SESCO Bill at Shopee
C) 2 swipe (RM50 x 2) using Visa Gold for SESCO Bill at Shopee
D) 1 swipe (RM50 x 1) using Quantum Master for TM Bill at tm.com.my << Not sure if this card acceptable or not yet
E) 1 swipe (RM50 x 1) using Quantum Master for Astro Bill at astro.com.my << Not sure if this card acceptable or not yet

Q3: How many card are entitle to the Normal Cash Back for Q2?
Is it A, C, D, E can receive Cash Back? A&D&E entitled for 5% (RM10) whereas C entitled for 0.2% (RM0.10) Cash Back? And B got no Cash Back at all right?

Thanks

atjm88
post Aug 7 2017, 11:27 PM

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Why I only able to use 1 Card for 2 transaction on Shoppe per day? If I use same card for other transaction, it will reject? Is this normal?

Eg:
Quantum Master Card use for TM Seller A twice << Success
Quantum Master Card use for TM Seller B << Can't accept anymore??

Hope someone can clarify, Thanks a lot smile.gif
atjm88
post Aug 10 2017, 09:04 PM

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Hi, is there anyone try the payment using Debit Card from PB for this "RM88 Cash Back with any Government Related
Transactions" promo?

https://www.pbebank.com/pdf/Promotions/tc_gov_aft.aspx

Got any idea how to use the Online payment for this? As I've search a lot, but still cannot get it.

At the moment, I only have Assessment Bill to pay for, 1st half and 2nd half, so at least I still need the third one to get the RM33 CB.

Even https://www.posonline.com.my cannot make payment using Debit Card, only can use Online Banking like FPX, so PB not allow us to get CB from that method.

Hope someone can assist on this. Thanks a lot smile.gif

This post has been edited by atjm88: Aug 10 2017, 09:08 PM
atjm88
post Aug 13 2017, 10:44 AM

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Hi, did any of you here encountered something like this?

Transaction Date, Transaction Description, Amount (RM)
08 JUN, MEDAN SUPERMARKET MY, 39.95 (MCC 5411) << 1st floor
07 JUN, MEDAN DEPARTMENTAL STORE MY, 139.80 (MCC 5411) << 2nd floor
11 JUN, MEDAN DEPARTMENTAL STORE MY, 39.95 (MCC 5411) << 2nd floor

Purchases Amount, MegaBonus/Rebate, Additional MegaBonus/Rebate, Adjustment, Total Cash MegaBonus/Rebate
179.75, 8.99, 0.00, 0.00, 8.99

3 of them under MCC 5411 (Grocery), but received 2 Cash back. Is this normal?

I thought they are looking at MCC Code instead of the Name??

FYI, I use the above transaction using VISA QUANTUM biggrin.gif

This post has been edited by atjm88: Aug 13 2017, 10:51 AM
atjm88
post Aug 13 2017, 10:52 AM

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QUOTE(cybpsych @ Aug 13 2017, 10:51 AM)
should tell which card u using.

double/triple confirm all using same MCC 5411? seems odd.
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VISA QUANTUM, updated above smile.gif

Updated: Call 1st to PB CS Name Ana, gave me the wrong info, call twice to PB CS again, then only gave correct info.

So, it should be as below:

MEDAN SUPERMARKET (5411) < 1 Transaction
MEDAN DEPARTMENTAL (5311) < 2 Transactions

Issued closed, kindly update.

Thanks smile.gif

This post has been edited by atjm88: Aug 13 2017, 11:05 AM
atjm88
post Aug 13 2017, 11:06 AM

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QUOTE(cybpsych @ Aug 13 2017, 10:57 AM)
yah saw it after I posted haha

I don't think departmental is using MCC 5411. if all using 5411, u wouldn't get any cb at all.

the last 2 departmental could be MCC 5311, which already eligible for 5% cb from visa quantum (rm8.99 cb)
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Ya, just updated above.

Updated: Call 1st to PB CS Name Ana, gave me the wrong info, call twice to PB CS again, then only gave correct info.

So, it should be as below:

MEDAN SUPERMARKET (5411) < 1 Transaction
MEDAN DEPARTMENTAL (5311) < 2 Transactions

Issued closed, kindly update.

Thanks rclxm9.gif

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