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

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drbone
post Sep 15 2017, 11:51 PM

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Awesome ! Checking in!
drbone
post Oct 9 2017, 04:32 PM

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QUOTE(winner @ Oct 9 2017, 03:34 PM)
To be safe, I always make Shopee transactions after 3pm on Monday.
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My cutoff is always after 12 pm and no problems till now. Hopefully it stays this way.
drbone
post Oct 10 2017, 10:23 PM

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QUOTE(saitong09 @ Oct 10 2017, 07:33 PM)
Pledge FD
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How much would the minimum amount be ?

This post has been edited by drbone: Oct 10 2017, 10:23 PM
drbone
post Oct 20 2017, 06:30 AM

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Can we pledge FD to apply for a card for someone who doesn’t have income ?
drbone
post Oct 30 2017, 11:17 AM

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QUOTE(kevyeoh @ Oct 9 2017, 06:06 PM)
I called the CS about this as I wanted to appeal... but the CS told me my transaction with Shopee was shown in system and captured as today spending.... i did my transacfion around 7am today...so keeping my fingers crossed... hopefully no change and will qualify for the swipe campaign cb...
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Managed to get the cashback for your 7 am transaction?
drbone
post Nov 1 2017, 06:33 PM

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Tried applying for Visa Signature for a family member via ringgitplus by pledging FD with the branch. Also emailed ringgitplus explaining to them I did that. According to CS when I called them , should not be a problem.
drbone
post Nov 2 2017, 09:57 AM

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QUOTE(rapple @ Nov 2 2017, 09:10 AM)
Just call up PB to check on Week 8 cash back status and it's still pending as per CS.

CS have no idea when it will be credited.
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Don't be so worried, it will definitely come in. Sooner or later.
drbone
post Nov 2 2017, 03:43 PM

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QUOTE(psiloveu @ Nov 2 2017, 11:20 AM)
Did the bank staff explain about the turn around time to get the card approval?
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1 month.
drbone
post Nov 13 2017, 03:34 PM

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QUOTE(borneoman1 @ Nov 13 2017, 12:21 PM)
What's the minimum amount to pledge FD for the Quantum Card Mastercard, btw?
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RM20K for Quantum. I did it for my family member. Planning to pledge FD for Visa Signature also next week, amount is RM 35K.
drbone
post Nov 13 2017, 09:15 PM

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QUOTE(saitong09 @ Nov 13 2017, 07:36 PM)
20k + 35k  sweat.gif if simpan in fix rate fund like ASW/ASB, I believe the return is significant more than what you get the CB every month after deducted the FD rate
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Yup I know all that. I have my own plan to make full use of the cards. My expenses alone monthly is super high. And after due calculations , it’s much more worth it for me to get the cards by pledging FD. As it is the 35K and 20K would be lying idle in my savings accounts. So might as well let these amounts do little work for me and at the same time help me reap the most out of my expenditures.
drbone
post Nov 13 2017, 09:55 PM

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QUOTE(babienn @ Nov 13 2017, 09:20 PM)
Since pledging FD is also locking your fund for a certain period, why not just place the money into a promotional fixed deposit rate (>4%) instead of lying it idle in your saving accounts? You will earn much more than cashback from PBB cards.

Just curious.
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When I apply , I’ll apply for principal plus 5 or 6 supplementary card’s together. I involve my family members in the expenses of the household. Coupled with the 6x/10x weekly rewards , I stand to get 15-16% cashback per principal card.
So in a year , the amount I save from my otherwise routine expenses , is worth a lot compared to whatever I get from placing those funds in FD.
Besides , there are enough funds in FD.

smile.gif

This post has been edited by drbone: Nov 13 2017, 09:57 PM
drbone
post Nov 14 2017, 07:42 PM

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QUOTE(Nom-el @ Nov 14 2017, 06:54 PM)
Why do you need to pledge separately to get the cards? Is this a requirement from PBB? I don't know about PBB but for some banks, if sharing the same credit limit, can apply for multiple cards using a single FD pledge.
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So that I can reap more benefits from the cashback and the rewards 6X/10X promo. Using 2 individuals is better than 1 in terms of maximising the rewards.
drbone
post Nov 18 2017, 12:33 PM

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QUOTE(Yamy @ Nov 17 2017, 09:15 PM)
Can anybody confirm UBER preset Credit card payment entitle for 6% CB?

My UBER payment does't qualify me the 6% CB on my VS card in my latest statement.
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Yes it is.
drbone
post Nov 28 2017, 09:16 PM

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QUOTE(poweredbydiscuz @ Nov 28 2017, 09:01 PM)
Anyone got their RM200 TnG from ringgitplus yet?
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My card is also pending , am waiting too and will update here.
drbone
post Dec 7 2017, 07:02 PM

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Bros and Sisters , based on everyone's experience here, the PB Bank cash rewards promo has been around for a long time? I only got introduced to this 5X/10X and 6X/10X cash rewards promo in the last 8 months.
I am asking this because I want to know whether this rewards campaign will continuously be replaced with newer ones once the 21 weeks is over each time.

This post has been edited by drbone: Dec 7 2017, 07:03 PM
drbone
post Dec 7 2017, 08:56 PM

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QUOTE(cybpsych @ Dec 7 2017, 08:03 PM)
here's what i tracked for the recent swipe campaigns. there are other older campaigns before, i just skipped those here.

"Get Rewarded" was a bonus whereby it was published before "Swipe More" ended.

Get Rewarded with PB Cash01 Aug 2017 to 31 Dec 2017
Swipe More For PB Cash06 Mar 2017 to 30 Jul 2017
1 Million Cash Back with PB Swipe03 Oct 2016 to 19 Feb 2017
Save More with PB Cash Back06 Jun 2016 to 04 Sep 2016

i just dreaded Jan 2018 would come those swipe with RM200/500/1000 (e.g. 1 Million CB Campaign), whereby weekly quota depleted within Mon-Tue!

for those 5x/10x swipes, at least there are more chances for others, even until Wed-Thu swipes still eligible for the week.
you sure?

user posted image
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Hopefully not. Thanks for the info though.
drbone
post Dec 12 2017, 08:50 PM

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QUOTE(Leroi2x @ Dec 12 2017, 08:37 PM)
Any1 know how much to pledge for fd pledge

Quantum card
Signature card
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20K for Quantum
35K for VS
drbone
post Dec 13 2017, 07:10 PM

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QUOTE(cybpsych @ Dec 13 2017, 08:08 AM)
that is why smart ones avoid pledging for cc. if possible, get the normal way. else use other cards/banks. keep your cash for better use elsewhere.
no issues with aeon big or tesco electronics section. they have single mcc anyway. biggrin.gif
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That's where you are wrong. For individuals who have very high expenditure, with the proper knowledge and know how, the pledge FD option to get another principal card under another family member is actually a wise move. So what may seem foolish to you is actually brilliant to others who know how to maximise and utilize the card.

This post has been edited by drbone: Dec 13 2017, 07:10 PM
drbone
post Dec 13 2017, 07:17 PM

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QUOTE(cybpsych @ Dec 13 2017, 07:12 PM)
diff ppl has diff view on the matter anyway.  laugh.gif
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Yup true, but does not mean it is not smart.

Anyway, got my week 13 week 14 cashback! rclxms.gif
8 transaction of RM 50 with PBVS and 2 transactions with PB Quantum.

This post has been edited by drbone: Dec 13 2017, 07:18 PM
drbone
post Dec 23 2017, 10:26 PM

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QUOTE(gReeN sOda @ Dec 23 2017, 02:50 PM)
Hi all.. Anyone know if Rally Club Melaka is eligible for 5% CB for Dining if use PBB Quantum Master? Thanks..
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Yes it is. Used to go there before.

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