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Credit Cards Public Bank Credit Cards V2, PB Visa Sig 6% & Quantum 5% Cash Back

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Human Nature
post Nov 12 2017, 10:46 PM

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QUOTE(ganjeneu @ Nov 12 2017, 09:59 PM)
For Quantum Card, may I know what the actual usage for those VIP points? Seems that I'm unable to track the points.
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for items redemption. the points are listed at the monthly statement
Human Nature
post Nov 26 2017, 02:05 AM

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QUOTE(Lego Warfare @ Nov 26 2017, 01:25 AM)
Sorry if asked before, but for their current promo swipe 10x for RM50 each week, when does is the start of the week if I SMS register on Friday? From Friday to next Friday? Or Friday to Sunday, then reset to Monday to Sunday?

And for PBB VS, if swipe for dining which gives 6% CB, is that still counted in the 10x swipe for RM50 CB promo?
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Friday to Sunday, then reset to Monday to Sunday

Yes
Human Nature
post Dec 15 2017, 01:27 PM

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No time to read thru previous pages so I will just share again.

I inquired on how the new revision will affect the capping. Example shown below:

Statement on every 15th. Transactions made on 20th Dec 2017 will be subjected to capping. Meaning on 15th Jan 2018, the max CB is RM38.
Human Nature
post Dec 15 2017, 01:55 PM

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QUOTE(tan_aniki @ Dec 15 2017, 01:51 PM)
just request them to change the statement date to 28 Dec and thereafter 28 of each month to avoid such issue.
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No need for me. I am just sharing info.
Human Nature
post Dec 20 2017, 12:51 AM

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I think the bank has complied with regulations by giving advance notice. It is 21 days right. Announcement made on 10 Dec 2017, revision effective on 1 Jan 2018.
Human Nature
post Dec 20 2017, 08:16 AM

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QUOTE(MGM @ Dec 20 2017, 05:58 AM)
Anyone remember what was the situation when PBB reduced CB from Rm60 to rm50?
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It is the same as this implementation

QUOTE(cybpsych @ Dec 20 2017, 06:55 AM)
compliance is one matter.

PBB themselves doesnt really know how their card/cashback works, i.e. by cb statement cycle.

from their announcement, they worded in such a way that changes is per transaction-level. e.g. 5 Jan statement date, 1-4 Jan transactions will be subjected (prorated or whatever way they think would work in their favor) to RM38 monthly cashback. This would work on monthly cashback cards, e.g. MBB's, but not PBB's.

their email explanation points to statement-level impact, i.e. any statement generated in January will be subjected to RM38 cashback. PBB didnt take account transactions made in Dec that contributes the cb in January statement.  doh.gif this is their shortsightedness in planning the change.

assuming they stick to Jan changes, then they should reflect the cb reduction in February statement then.

effective in January is not entirely wrong, but the way (or lack thereof) it's being reflected on the statement is not properly detailed out.  doh.gif

PBB should've spent more time and effort explaining all the possible scenarios affecting their current customers.
next week would be the final week of the Get Rewarde campaign. probably I can manage my supp cards properly without hitting RM633 spending for Jan cashback. am sure many others would've already maxed the cards for RM50 cb.

since there is no announcement of promo extension, i guess there could be a new promo from Jan onwards.
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They could probably explain with more details. Will be easier for cb cards like mbb2 amex and wise that follow calendar month cycle. So i dont think there is malicious intent from pbb side. That’s just my pov anyway.
Human Nature
post Dec 20 2017, 12:01 PM

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QUOTE(mamamia @ Dec 20 2017, 08:43 AM)
May I know how u ask them in the email? Did u yell scenario like if u already max out RM50 on dec?
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Haha no yelling needed as pbb cs are good. I spell out the scenario.
Human Nature
post Dec 24 2017, 05:05 PM

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QUOTE(annoymous1234 @ Dec 24 2017, 06:32 AM)
Today I spend rm3k using quantum in a shop. But I did not receive any sms from public bank regarding my spending. Is it normal? As I know some bank will send sms to also inform that rmxxx has been charge to the CC.
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no more sms alert for pin and pay transaction
Human Nature
post Dec 26 2017, 08:35 PM

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QUOTE(alvinfks78 @ Dec 26 2017, 11:09 AM)
Lazada items return refund to credit card. Does that mean the amount charged will not get 5% cash back?
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either wont get the CB or the CB will be reversed as well
Human Nature
post Dec 29 2017, 11:17 AM

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Okay one news that I got regarding the CB revision for VS. The new effective date is February. I haven't got the time to check whether this has been announced at the website..so may treat it as unconfirmed news for now
Human Nature
post Dec 29 2017, 05:38 PM

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For the flexipay promo, where do we find the approval code for online transactions?
Human Nature
post Dec 29 2017, 05:43 PM

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Was planning to make a RM1500+ payment using quantum for its flexipay feature but now change to VS after getting triple good news today

1- Still RM50 cb for this statement
2- Can do flexipay for VS
3- New cb promo
Human Nature
post Dec 29 2017, 09:18 PM

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QUOTE(ClarenceT @ Dec 29 2017, 09:14 PM)
From my recent experience at another Disneyland using RHB VS, all the transactions at that Disneyland are treated as "theme park" so I got cashback for Entertainment!
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Yes, i can confirm to this.
Human Nature
post Dec 29 2017, 10:50 PM

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QUOTE(michaelho @ Dec 29 2017, 10:45 PM)
correct me if I am wrong, meaning now we need to use RM1000 a week (either Rm500 x 2 OR RM100 x 10) to qualify for weekly RM50 CB. With the RM38 max CB per card, we now need to use 6 - 7 cards to get full CB in a month (assuming 4 weeks in a month). That is going to be hard sad.gif
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For RM100 swipes, Every 2X RM100 in a single receipt gets you RM10.
RM50 is the weekly cap
Human Nature
post Dec 29 2017, 10:55 PM

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QUOTE(michaelho @ Dec 29 2017, 10:55 PM)
so to max RM50cb, meaning 10xrm100 la, right ? susah susah, hv to apply more supps
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yes if wanna maximise
Human Nature
post Dec 30 2017, 11:22 AM

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QUOTE(sjz @ Dec 30 2017, 11:13 AM)
excludes the transactions that
earn Cash Back under other on-going Cash Back promotion.

So PB Quantum Mastercard will or will not entitled for the
swipe 2x RM10 cash back campaign for lets say RM100 x 2 swipe of Online transaction?
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it is a feature, still entitled
Human Nature
post Dec 30 2017, 12:50 PM

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QUOTE(rapple @ Dec 30 2017, 11:37 AM)
If swipe rm500 once and another rm100 then that guy will only entitled to rm10, right?
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yes
Human Nature
post Dec 30 2017, 09:22 PM

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QUOTE(tan_aniki @ Dec 30 2017, 08:03 PM)
need some clarification on the latest swipe for more cb campaign, do we need to sms every week to swipe for 2X to get the cb or just once enough for the 26 weeks? Is digi payment qualify or not cos i saw inside tnc exclude payment for utilities, or utilities only apply to water, electricity and landline bill? if i swipe 4 X RM100 per week means RM20 cb earn?

another question is if i spend 1 x RM1500 + 1 X RM100, i only got RM10 or can i get RM50?
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sms once
RM10
no idea on digi

This post has been edited by Human Nature: Dec 30 2017, 11:04 PM
Human Nature
post Dec 30 2017, 09:58 PM

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QUOTE(tan_aniki @ Dec 30 2017, 09:46 PM)
oh confirm 1 X RM1500 + 1 X RM100 got RM50 cb?
what if i register both VS and QMC and use PBVS with 1 X RM1500 + 1 X RM100 while QMC with 6 X RM100, can i get RM50 + RM30 or does it only pay out max RM50 per IC or per cc?
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it's max RM50 per principal holder
only register once for all cards

This post has been edited by Human Nature: Dec 30 2017, 11:04 PM
Human Nature
post Dec 30 2017, 11:05 PM

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QUOTE(donhue @ Dec 30 2017, 10:48 PM)
I think 1 x RM 1500 + 1 x RM 100 will net you RM 10 of CB only? it doesn't fulfill the 2 x RM 500 to get the CB..

Note: "Spend a minimum of RM 100 / RM 500 in a single receipt for each swipe.
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you are right!

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