means i can pay celcom under online category and earn total of 10% CB with quantum card?

yes

PBB Visa Signature require 80k annual income, i fulfill the condition but still get rejected

There're plenty reason you're being rejected apart from income fulfillment.
Have you check your CCRIS scorecard? Got PTPTN? What is your DSR?

This post has been edited by David83: Apr 11 2018, 10:50 AM

yes, i receive letter also no mention what reason to reject
don't have PTPTN
how to check CCRIS? need go bank negara?
DSR need how many ratio consider ok?

got my Quantum Visa card....

i thought Quantum Master card will be come together? are my perception wrong?
i need to apply separate for Quantum master card?

They won't disclose the reason; even you call them

For CCRIS, please go to the nearest BNM branch or AKPK centre.
DSR is very subjective and depends on the bank.
That's why during application, they ask how much is your monthly commitment?


Do you call CS to ask them why?
I received both in single package.

yup, need fill the commitment in the application form
sometime really confusing the requirement, even fulfill the conditions, still say too high commitment, why don't at the first time, just tell the requirement is RMXXk annual income after commitment

Hmm, thought of applying PBB Visa Signature for dining cash rebate. I already got Quantum Mastercard and it got maxed out easily.

Is it easy to get the annual feel waiver?

The monthly commitment that you keyed in.
That info will be used by them to populate your DSR; normally using AI.
This DSR differs from bank to bank.

Thanks.

Called CS.

CS said Quantum Master card having some maintenance issue, at the movement only Quantum Visa sent out...
i will be getting my Master card within 1 month time.

Waiver condition: 12 swipes or retail transactions over the past 12 preceding months.

I don't see not hard to achieve also!

post 2 did mention?
Annual Fee Waiver
First year annual fee is waived for principal and supplementary cardmembers. Subsequent years' annual fee waived is subject to 12 swipes in the preceding 12 months.


ok, i simply count my DSR, 70%, very high

LOL
Sounds like they have not enough chip or card for the MC.

Yea I read that but sometimes it's based on their consideration Ok seems no problem to get waiver. I'll proceed then.

You have your answer.
Next step: Lower your DSR or increase your income.

They should abide by their playbook if you meet the condition unless there's change in TnC.

my PBB Visa got charged RM333 last year... asked for waiver by swiping few times after tht.

can i accumulate 12 swipes and put back to drawer after tht? instead of swiping once every month as told by CS

If depends on their TnC, if they insist of 1 swipe per month to meet up for 12 swipes like UOB YOLO.
Then you have no choice to obligate.

I didn't read its TnC yet as I don't have this VS card yet.

This has been repeated many and many times.

Don't be sad. PBB only gives this card for people they want to award it to.

There are people with close to 150k asking for this card and still got lejekted.

i got same situation as @vin_ann

Called the customer service and they said im using old form to apply?? (what?? )

From the application form mention that Public Quantum includes both Visa and MasterCard

Then i ask customer service to proceed to get Quantum Mastercard. Possible next week can get it