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Credit Cards Public Bank Credit Cards V3, PB Visa Sig 6% & Quantum 5% Cash Back

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cybpsych
post May 17 2018, 09:30 PM

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KiplePay eWallet app reload: IPAY88*WDCSB-WEBONLINE KUALA LUMPUR MY with MCC 7399 Business Services

since the payment gateway is thru ipay88, eligible for Online category cashback.
cybpsych
post May 18 2018, 01:24 PM

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QUOTE(hakkai0810 @ May 18 2018, 12:51 PM)
for RP RM200 aeon voucher promo, had anyone tested reload bigpay consider eligible for it?

i am quite confuse with this bigpay since someone mentioned its consider quasi cash trx but yet it eligible for 5% online rebate doh.gif
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learn to differentiate between standard t&c vs promo t&c

quantum standard t&c doesn't exclude quasi cash transaction. so u get 5% cashback.

promo usually excludes quasi cash transaction (even as online), hence most likely not eligible for promo cb.

for RP promo, check its spending t&c whether quasi cash transaction is excluded or not.
cybpsych
post May 18 2018, 02:51 PM

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QUOTE(MGM @ May 18 2018, 02:34 PM)
Couldn't find the VS n Quantum standard TNC, can help?
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there's none, and since no specific exclusion, just assume.

if still not enough, don't reload bigpay using quantum and vs. simple.
cybpsych
post May 18 2018, 03:01 PM

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QUOTE(haru20 @ May 18 2018, 02:56 PM)
Sorry, so Bigpay reload is not qualify for VS online CB?

:S
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no issue to reload bigpay using vs.

above he was asking quantum/vs t&c, of which none available, but tested working (search postings here).

if anyone not satisfied, and reluctant to test himself, then don't reload at all.
cybpsych
post May 21 2018, 08:48 AM

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QUOTE(HoNgZ @ May 21 2018, 08:37 AM)
I just got my Quantum Visa and Master, but bit confuse with the CB for department stores, does it same with grocery store? according to this post, department stores and grocery store were two different category, and department store has only few stores listing in it. Do I get CB if I spend with my Quantum Visa in Aeon, Giant, NSK, Jaya grocer, etc?
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no Grocery cashback for quantum cards.

grocery = supermarket or where you buy food & beverages. e.g. giant, mydin, aeon big, nsk, jaya grocer, aeon supermarket. you'll need VS to cover grocery category.

departmental = gms = general merchandise store, such as Aeon Deparmental (non-supermarket floor), isetan, the store (certain locations), etc. only quantum visa covers departmental category.

above is just general description. there'll be more confusion when it comes to mixture of terminals to different floors, etc etc.
cybpsych
post May 24 2018, 09:21 AM

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QUOTE(whyip1988 @ May 24 2018, 09:14 AM)
wow,from ur message, just realised that Pbb Bank downgrade the requirement for VS , VI.
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reduced since Jan
cybpsych
post May 24 2018, 09:48 AM

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QUOTE(celciuz @ May 24 2018, 09:45 AM)
If I reload BigPay via VS, then use BigPay for insurance payment... that means I get 6% rebate right?
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indirectly, yes

not just insurance, anything else as well.

bigpay would be a multipurpose card similar to mbb FCB VS.
cybpsych
post May 24 2018, 08:29 PM

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QUOTE(uhlaw @ May 24 2018, 08:13 PM)
Quantum visa and master are combined CL? Just been informed my application is successful via phone call and i applied it via ringgitplus.

Inside pbebank, i still cant see my cards yet.

Been trying to apply PB CC for quite sometimes, yet all failed except this time.
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can try check in PBe | Account | PB Card | Add Card. see if there are new card entries in there.
cybpsych
post May 27 2018, 08:58 AM

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QUOTE(cybpsych @ Dec 29 2017, 04:59 PM)
PB Flexipay Plan [ PBB | T&Cs & Application Form ]
1 January - 30 June 2018

user posted image
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QUOTE(jian94 @ May 27 2018, 12:01 AM)
https://www.pbebank.com/Personal-Banking/Ca...-Visa-Gold.aspx
in this link it say 0.1%?

Besides that, if the installment plan is 7% upfront for 36 months with minimum rm3000. Can i have few transaction to sum up the rm3000?
https://ringgitplus.com/en/easy-payment-pla...xipay-Plan.html
in this link it say 3 days after transaction or 5 days before next statement date. if i wan to sum up the transaction, then i shall contact them 5 days before statement date or i shall try to make the transactions in the same day and contact them after 3 days?

On more thing, in https://www.pbebank.com/pdf/Promotions/tc_f...ay-jan-jun.aspx. It stated "The Cardmember shall pay the Flexipay Monthly Installment in addition to the 5% monthly minimum payment due on the rest of the balance outstanding (if any)". what this mean? mean i have to pay addition 5% of the minimum or only if the repayment is lower than the 5% minimum payment?
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this is for your pc purchase
assuming enough Credit Limit
assuming u keeping this card
assuming u doesn't do balance transfer. just PBB Flexipay.

1) swipe your pc purchase using the new card
2) just swipe as usual at full price.
3) wait few days for the transaction to get posted (to be safe. just in case), before statement date
4) call CS to convert the transaction for Flexipay 6mth 0%
5) conversion is done immediately. full pc amount will be reversed and 1st installment is charged into the card.
6) come 1st statement, you'll see 1st installment amount only.
7) settle the monthly statement as usual.

if possible, get quantum cards. at least got Flexipay 12mth 0%

This post has been edited by cybpsych: May 27 2018, 09:01 AM
cybpsych
post May 28 2018, 06:36 PM

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QUOTE(MGM @ May 28 2018, 06:33 PM)
Just realise can no longer pay TNB bills via Shopee.
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compared to previous ban?

or new ban, inclusive the generic term of "utilities" or "bill payment"?
cybpsych
post May 29 2018, 04:14 PM

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QUOTE(paogeh @ May 29 2018, 02:21 PM)
For the cash promo ,
it;s end in WW26 .

After that , new "cash promo" campaign start again ?
is this how Public bank campaign work?
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so far for past 7 promos (including CB4U), yes, back-to-back cb promo.
cybpsych
post May 29 2018, 06:52 PM

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QUOTE(paogeh @ May 29 2018, 04:46 PM)
back to back , means ==WW27 and continue ......
chasing the weekly promo , kind of "tired " too .....
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it will be week1 for new promo, IF there's new one starting from 2 July 2018.

since you're actively chasing and maximing all cb from all your cards, then "tiredness" is nothing compared to the gain you're expecting.
cybpsych
post May 30 2018, 12:27 PM

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finally...

// 30 MAY 30 MAY (DGP) PB CASH BACK 4 U - WK14 10.00 CR //
cybpsych
post May 30 2018, 02:40 PM

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QUOTE(MGM @ May 30 2018, 02:34 PM)
U did 2x rm500 or 10x rm100 topup?
Gonna do it now, hope it is not too late.
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quota could've finished for this week le

safest is Mon, at most till Tue. Wed is risky.
cybpsych
post May 30 2018, 06:45 PM

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QUOTE(spreeeee @ May 30 2018, 05:19 PM)
since supp card for pbb vs also has annual fee, to get it waive, means the supp card itself also needs to perform 12 swipes?
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yes
cybpsych
post May 30 2018, 08:36 PM

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keep it rolling in!

// 30 MAY 30 MAY (DGP) PB CASH BACK 4 U - WK15 10.00 CR //

This post has been edited by cybpsych: May 30 2018, 08:36 PM
cybpsych
post May 30 2018, 09:26 PM

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QUOTE(rapple @ May 30 2018, 09:23 PM)
Oddly, I didn't get any cash back for Week 14 with 6 maxixpay transaction on 2nd Apr.

Probably have to call up and check with them.

Only get Week 15 - RM20.00
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maxispay, you did very early morning on 2 Apr? could've been tracked as Sunday transaction.
cybpsych
post May 30 2018, 09:37 PM

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QUOTE(rapple @ May 30 2018, 09:31 PM)
You are right. It's indeed dated 1st Apr 2018  bangwall.gif
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try dispute with PBB. send them proof of payment, eg maxispay email receipts, sms tac. that those transactions were indeed made on 2 Apr.
cybpsych
post May 31 2018, 09:25 AM

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QUOTE(rapple @ May 31 2018, 08:25 AM)
Will do that exaclty.

SST on 1st Sept means most probably credit card service tax will be back. Maybe it's time to cancel some of the non-use cards later this year.
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won't bother much about sst first. wait till the scope is defined, then only decide, if any.
cybpsych
post May 31 2018, 05:51 PM

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QUOTE(jiaen0509 @ May 31 2018, 05:40 PM)
Anyone got offered CC after get hire purchase from PB? The officer said will offer me CC when I sign agreements for my hire purchase. But I forgot to ask him what card they wanted to offer me.
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call the loan agent back.

push him/her to get a better pbb card, e.g. Quantum or VS biggrin.gif

tell him/her you dont want lousy card and terminate later (he/she wont get commission0.

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