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

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SUSDavid83
post Jul 19 2018, 09:13 PM

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Time to crack on which card to cancel.
Anybody regretted for voting PH? laugh.gif
SUSDavid83
post Jul 19 2018, 11:07 PM

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Chargable every year.
1st year could be waived (absored) by the banks.

*Based on previous RM 50 GST implementation
SUSDavid83
post Jul 19 2018, 11:17 PM

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QUOTE(eddie2020 @ Jul 19 2018, 11:13 PM)
gst n sst diff practice rite? i 1st own card is during gst, and bank absorb the gst rm50 waived...
i not sure how about sst timing... since gst 50 bank can absorb sst i think they can absorb too? lol
how about those free for life card? also will be charge this sst right?
*
If you think you're right, you can keep with that thinking.
I used credit card for more than 10 years.

Let other smart alec to come out with the summary.


SUSDavid83
post Jul 19 2018, 11:22 PM

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RM 50 credit card goverment service tax for principal card and RM 25 for supplementary card was introduced in January 1st, 2010

6% Goods and Sales Tax was introduced in April 1st, 2015

URL: https://www.thestar.com.my/news/nation/2015...n-cards-annual/

URL: http://pustaka.customs.gov.my/kms/index.ph...vice-tax-credit

QUOTE
IMPOSITION OF SERVICE TAX RATE (2010)

A. Service tax rate to be charged are as follows:

Credit Card Rates:

Main RM50 per card per year or part there of additional RM25 per card and per year.

Charge Card:

Main RM50 per card per year or part there of additional RM25 per card per year or part there .

3. Rate of service tax shall be imposed according to the number and type of card issued either primary or supplementary card. If the card issuer issued two major credit Visa and Master Card cards, service tax is charged at RM100(RM50+RM50) even though both cards are issued to the same or two cards with credit limits of shared(joint credit limit). If the card issuer to issue a credit card and a credit card management addition, service tax is charged at RM75(RM50+RM25).



This post has been edited by David83: Jul 19 2018, 11:32 PM
SUSDavid83
post Jul 20 2018, 05:25 PM

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QUOTE(eddie2020 @ Jul 20 2018, 03:40 PM)
I just asking, if you don't feel like replying or sharing your 10 years experience, just leave it.
*
I did share but you interjected that your statement is so correct based on your experience of holding credit card during the dawn of RM 50 GST back in 2009/2010.

This post has been edited by David83: Jul 20 2018, 05:29 PM
SUSDavid83
post Jul 25 2018, 01:20 PM

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QUOTE(lamode @ Jul 25 2018, 01:19 PM)
where you get this?
any update to ATM withdrawal frequency/limit?
*
It is shared at BP thread by a BP representative.
SUSDavid83
post Jul 25 2018, 05:47 PM

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QUOTE(eddie2020 @ Jul 25 2018, 05:44 PM)
Not understand below

PBB VS - RM633
PBB QMC - RM600
*
Based on the card benefits cash rebate card per card:

RM 38 cash rebate == RM 633 spending on PBB VS
RM 30 cash rebate == RM 600 spending on PBB QMC
SUSDavid83
post Jul 25 2018, 05:50 PM

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QUOTE(eddie2020 @ Jul 25 2018, 05:49 PM)
OH... He didn't take in pay more for cb campaign..
Just to confirm the campaign or 8 swipe can mix between diff card rite?
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Yes because it is traced according to NRIC.
SUSDavid83
post Jul 26 2018, 09:30 PM

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QUOTE(pvateme @ Jul 26 2018, 08:21 PM)
Same case for my supp card. End up I ask them to send to branch, and I just collected today! I wonder really lost in postage?
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Not a surprise at all!
SUSDavid83
post Jul 29 2018, 01:44 PM

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QUOTE(ang1222 @ Jul 29 2018, 01:40 PM)
Now everymonth using Master quantum 5% for dining and online.
If register the "spend now 4 more cash back" campaign, how does my cashback will be calculated ?
Is my normal 5% cashback everyday still valid ?
Or it will switch to the new campaign already ?
*
The card benefit 5% cash back won't be affected.
Eligible qualified transaction will receive additional cash back provided you registered and the pool is still available (FCFS).
SUSDavid83
post Jul 29 2018, 07:57 PM

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QUOTE(TongCN @ Jul 29 2018, 07:55 PM)
Ahh.. I think I will get VIP points since last month I bought from same furniture store but didn’t get any CB.

But right now is I dunno where to see VIP points
*
Nowehere to see until statement is generated.
SUSDavid83
post Jul 29 2018, 08:00 PM

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QUOTE(cybpsych @ Jul 29 2018, 07:58 PM)
no need so kiasu
*
Need to if we want to beat the kiasu-land neghbouring country.
SUSDavid83
post Jul 30 2018, 01:48 PM

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QUOTE(tan_aniki @ Jul 30 2018, 01:45 PM)
SMKT is SUPERMARKET, you need to use QMC, not QV...
*
How come QMC will give cash back for supermarket?
It doesn't actually into online nor dining.
SUSDavid83
post Jul 31 2018, 01:25 PM

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QUOTE(celciuz @ Jul 31 2018, 01:23 PM)
I'm thinking if I were to set limit for my VS supp at RM1000... bank will reject or not ah? LOL since that card only use RM633 or probably 960 per month at max only.
*
Some bank imposes min CL for certain card.
SUSDavid83
post Jul 31 2018, 10:16 PM

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I think there was a problem in the morning around 9am.
Tried to pay at myTNB app but seems like cannot connect to PBB MC SecureCode page.

No problem around lunch time.

This post has been edited by David83: Jul 31 2018, 10:17 PM
SUSDavid83
post Jul 31 2018, 10:31 PM

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Just did a transaction at 11street few minutes back.
No problem obtaining OTP from MC SecureCode.
SUSDavid83
post Aug 1 2018, 06:55 AM

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Is there a problem with PBe?
Unable to sign in on PBe web!
General Processing Error on the PBe app!
SUSDavid83
post Aug 1 2018, 06:42 PM

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QUOTE(-TcT- @ Aug 1 2018, 06:41 PM)
Just to confirm, so we just need to send SMS once and we can participate every week till year end right?
*
Yes.
SUSDavid83
post Aug 1 2018, 07:41 PM

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Received another RM 10 KFC voucher for returning another survey form from PBB CS.

This post has been edited by David83: Aug 1 2018, 07:45 PM
SUSDavid83
post Aug 2 2018, 11:02 AM

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QUOTE(haru20 @ Aug 2 2018, 11:01 AM)
Is it worth to apply supplementary card for my applicants, as SST kicks in RM25 is charged, or there is possibility it will be waived? likewise for VS & Quantum? Thanks
*
Why not if you can max every month?

RM 38 x 12 or RM 30 x12 vs RM 25 per yer per card
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