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

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Lego Warfare
post Nov 26 2017, 01:25 AM

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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?
Lego Warfare
post Nov 26 2017, 02:46 AM

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QUOTE(Human Nature @ Nov 26 2017, 02:05 AM)
Friday to Sunday, then reset to Monday to Sunday

Yes
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oh damn... just started my transaction today lol
thanks!

Lego Warfare
post Nov 26 2017, 03:49 PM

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QUOTE(cybpsych @ Nov 26 2017, 09:09 AM)
should've throughly read the T&C instead.

technically you're in week 17, but the yesterday's swipes most likely not eligible as it tracks FCFS transactions for the 30k/week cb pool.

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Ahh ok, I seldom use my PBB card but since I already maxed both my M2C & FCB Cash back thought of trying for PBB promo. Didn’t know it was limited to cash pool as well, I guess I can forget about it then lol

Btw is Apple AppStore considered as iTunes as well for the online cash back category?
Lego Warfare
post Jan 10 2018, 10:14 AM

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QUOTE(saitong09 @ Jan 9 2018, 08:43 PM)
Ya, last time spent rm833, and now spend rm633. Still a good card smile.gif
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Wtf just found out. That is damn disappointing when the CB benefit for a VS is now worse than Quantim combo...
I rather they reduce the CB % but maintain the cap at RM50..
Lego Warfare
post Jan 10 2018, 11:27 AM

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QUOTE(saitong09 @ Jan 10 2018, 10:40 AM)
Still better than Quantum la, 6% capped Rm38 vs 5% capped rm30
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Both cards together is RM60 lor even though the other has diff category, but still better overall.
Lego Warfare
post Jan 10 2018, 12:44 PM

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QUOTE(LostAndFound @ Jan 10 2018, 11:52 AM)
Doesn't make sense. I think most will prefer current way of maintaining the %.

Cashback % is always the most important thing, since if cap is lowered you can just shift spending (e.g. to Quantum) but if % is lowered you're actually getting less for same spend.

Unless you're the sort always hit cap.... in that case you should still prefer % since you can apply many different card to maximize
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When I meant lower the %, I don’t mean lower it down until 1-2%. I’d still be ok with them dropping to 4% but maintaining RM50 cap.
My main card is still MBB AMEX for the 5x points and 5% CB weekend, so I wouldn’t want too many cards. I’ve been maximising my CB on 3 cards for the past months capping at RM150, so now it’ll be down to RM138..
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post Jan 10 2018, 02:09 PM

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QUOTE(ClarenceT @ Jan 10 2018, 01:14 PM)
Re-arrange spending using Maybank FCB VS (RM50/RM100), PB Quantum (RM30/RM60), UOB Yolo (RM50), CIMB-Lazada (RM25)!
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Might get a Quantum, but don’t really like having so many cards though. And keeping track on the types of CB category and whether already achieve the cap for each card also quite a hassle.
Sometimes at the counter paying I had to delay a min or 2 to recall back which card still got CB limit to use lol...

QUOTE(saitong09 @ Jan 10 2018, 01:38 PM)
Like that not apple to apple comparison lo tongue.gif
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Haha in that sense the Quantum has more CB choices and up to RM60 CB for both together. The VS macam no longer very elite over the Quantum except for the name itself only haha.

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