Nope. This period applied to all bank though.

Should be ok. My 1st job many years back don't even have payslip yet can get the CC, I applied with company letter

Just wanted to confirm, this round the flexipay charges 5% on the balance after monthly installment payments?

I think the last two campaigns, the 9-month tenure came with 0% upfront and balance.

no upfront fee and no charges to the balance.

Hi, just to confirm if PBB will charge any admin fee for the flexipayment? Historically for these types of promotion for other banks, even the interest is "free", they will still charge an 2%-3% admin fee for it.

nope, it's free from any fees.

i have 6 flexipay plans, 1 still active. havent encounter any fees or whatsoever.

is one flexipay plan for one card or all cards ?
is the minimum for individual transaction or more than 1 trx?

all pbb cards; however the 12mth 0% flexipay is only applicable to Quantum cards.

flexipay is only for per transaction basis, after you swiped. if you want to lump all transactions, you do BT instead.

read the T&Cs.

This post has been edited by cybpsych: Oct 3 2017, 07:44 PM

Izzit ? Ok bro, then i may try go ahead~

Entitled for 6% PBVS CB:
Dining:
Papparich - IOI City Mall
New Restaurant Ipoh Chicken Rice - Mid Valley
Little Penang Cafe - IOI City Mall
Mcdonalds - Kajang Perdana
Pat Kin Pat Sun - IOI City Mall

Entitled for 5% PBQMC CB:
Dining:
Vibes Club - Jalan Tun Razak (I told my wife not to swipe clubbing for this card but end up PBB gave me CB for this as well )


Attached thumbnail(s)

OO should call CS and inquire on the MCC code if possible.

Update regarding my missing Week 4 & Week 5 10x swipe bonus.

PBB CS just called me, marketing dept verified it is error from their end and will credit back RM50+RM50 to me.

I decided to pay unifi bill at mytm instead of payonline and I got this trx message TMONLINE(EC) KUALA LUMPUR MY, wonder it will be entitled for 10x swipe campaign or not.

You can report for us whether it qualifies when this week's cashback gets credited.

My gut feeling is that it won't qualify.

mytm still accessible? now should be in unifi.con.my jor

seems no change in the merchant ID, still safe as before

I did 3 similar trx on week5 and all qualified for 10x swipe promo. Same description.

New portal unifi.com.my but cannot pay any amount like I used to, may be have to revert back to payonline.

Don't know how they could actually miss that...

Mytm and newer https://unifi.com.my/ are different systems, you can't use mytm login & password on unifi.com.my. Mytm is still accessible for some reason even though TM CS told me that TM is no longer updated Mytm anymore.

I don't understand why paying TM bill at different checkout systems will have different results for CB entitlement, I suppose TM bill is not categorized under utility, so it should be safe no matter where you pay it. Is it because the different systems will give different merchant ID and description?



This post has been edited by HiT-AbLe: Oct 4 2017, 01:14 PM

i know it's a 2 separate system. interestingly you can login to mytm, whereas i always get redirection back to unifi.com.my

anyhow, the cashback mechanic for cc usually dependent on 3 things:

1) MCC
2) Description
3) Channels

all these were setup when you create new merchant ID with the payment processor.

since TM launched new portal, unifi.com.my, either they created new merchant ID or maintain previous. based on the description TMONLINE(EC) KUALA LUMPUR MY with MCC 4814 (fax/telco services), they maintained it.

remember that merchant (e.g. TM) may create new merchant ID, especially when they are doing rebranding exercise now. who knows they itchy wanna display different name, like UNIFI ONLINE(EC) for example, or somehow think TM services are utilities in nature, then assign to MCC 4900.

also the MCC associated to it. if somehow wrong MCC was assigned, e.g. MCC 9399 (Govt Services ) or MCC 4900 (utilities), it could be excluded by PBB due to this reason as well.

this is why we always call CS to find out the MCC for any new merchant, location, etc etc

This post has been edited by cybpsych: Oct 4 2017, 01:30 PM