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

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ClarenceT
post Feb 5 2018, 02:36 PM

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QUOTE(cybpsych @ Feb 5 2018, 02:27 PM)
that watson store is very specific to aeon maluri. same as to sunway velocity only. this is why ppl are testing and reported back for sharing here.

watson's generally accept amex. very rare as Departmental.
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Watson's @ Precinct 88, Kuching also departmental.
ClarenceT
post Feb 8 2018, 11:21 AM

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QUOTE(funnyface @ Feb 8 2018, 11:06 AM)
I have a question on this: annual fee waived is subject to 12 swipes in the preceding 12 months.

Is it including monthly installment charge? Or i need to really swipe every month?  I have installment charge which fully utilized 6% cash back (~RM700 per month) so i usually wont use the card for any other thing.  hmm.gif
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Very rare Dining or Groceries can have instalment payments!
How they charge the instalments? By the merchant or arranged by the bank?
Go to Petrol stations pump RM1 x 12 swipes!

This post has been edited by ClarenceT: Feb 8 2018, 11:22 AM
ClarenceT
post Feb 8 2018, 01:08 PM

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QUOTE(funnyface @ Feb 8 2018, 11:31 AM)
If you dont know, installment with 11st did get 6% rebate  smile.gif

I just want to know if that consider a swipe or not  innocent.gif
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Haha then you key in OTP once only or every month?
If you key in OTP once only, then it is only 1 retail transaction but payable in instalments.
ClarenceT
post Feb 8 2018, 02:05 PM

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QUOTE(funnyface @ Feb 8 2018, 01:45 PM)
Oh sad  cry.gif
Means i gonna kena Annual fees liao next year  sad.gif
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Then go to pump petrol RM1 x 12 swipes or go to payonline to pay bills RM1.01 X 12 transactions!
ClarenceT
post Feb 21 2018, 04:54 PM

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QUOTE(Leroi2x @ Feb 21 2018, 04:50 PM)
i check back the email i sent

cardsmarketing@publicbank.com.my

should be correct
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Call 0321768000 and key in your IC to check the status, 2 weeks after you send the email.
ClarenceT
post Feb 23 2018, 07:52 AM

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QUOTE(monoikhwan @ Feb 23 2018, 07:20 AM)
If i use my Petron Visa Debit Card to pay my Quantums, will it incur any fees?
Does transferring money from Debit Card to Credit Card considered as normal payment/transfer or does it considered as balance transfer?

AFAIK balance transfer is only credit card to credit card, but just double checking, thank you.
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Debit card is a deposit account (Savings, Current etc).
You make a card (loan) payment from a PB deposit account to a PB Credit Card account.
You are paying Overdraft interest if your current account balance is negative.
ClarenceT
post Feb 28 2018, 09:18 AM

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QUOTE(EW9 @ Feb 28 2018, 12:18 AM)
hi guys, any suggestion on supporting document/anyway to get my VS CC application approved besides payslips submitted? example housing rental, tenancy agreement etc, much appreciated.
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You can e-file Borang BE 2017 from tomorrow, then send the summary and receipt to PB Card Centre.
ClarenceT
post Feb 28 2018, 09:55 AM

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QUOTE(JuneResources @ Feb 28 2018, 09:37 AM)
Hi guy, if apply auto-payment Allianz insurance by Quantum MasterCard, is it will enjoy cashback?

Or this Quantum MasterCard only applicable for manually online payment?

Thanks for your all advice.
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Auto-Payment or Direct Debit is not a form of Online payment.
You don't receive OTP for every transactions.
ClarenceT
post Mar 3 2018, 11:11 AM

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QUOTE(wykoh2 @ Mar 3 2018, 11:03 AM)
Did some research on Taobao Transaction:

RMB 150 = RM95.61 (pay by direct debit)
RMB 154.5 =RM96.72  (not yet confirmed, pay by public bank quantum credit card, foreign transfer fee 1.25%, calculate at https://www.mastercard.us/en-us/consumers/g...-currency.html) after 5% cashback = RM91.88
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Only if you get the online rebate.
Did you receive OTP? I don't think so!
You submitted your card info to Alipay and then they processed offline.

This post has been edited by ClarenceT: Mar 3 2018, 11:18 AM
ClarenceT
post Mar 12 2018, 05:30 PM

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QUOTE(siawyent @ Mar 12 2018, 05:09 PM)
Does Allianz have online portal to pay?
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Maybe only for Allianz agents paying to Allianz, not for general public.
Zurich agents using online payment to Zurich can get 5% / 6% online rebate.



This post has been edited by ClarenceT: Mar 12 2018, 05:32 PM
ClarenceT
post Mar 15 2018, 03:56 PM

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QUOTE(cybpsych @ Mar 15 2018, 02:59 PM)
seems no issue with VS.  hmm.gif

i got one lazada >RM100 trx in week 6. it was eligible for the promo cb.
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Most likely Visa/Mastercard transactions are from different platforms/MCC.
ClarenceT
post Mar 16 2018, 12:22 PM

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QUOTE(David83 @ Mar 16 2018, 11:19 AM)
I hate MBB nowadays.
Rejected application for MBB2 AMEX/Visa & VS FCB few times including manual application.
I believe my yesterday BT via manual application is also rejected too even though I have more than enough CL.
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Are you a MBB (Maybank, conventional) cardholder or Maybank Islamic (Ikhwan cards) cardholder?
MBB and Maybank Islamic are regulated by BAFIA 1989 and Islamic Financial Services Act 2013 respectively.

If you are using Ikhwan cards, I think you can do balance transfer to another islamic bank only.

Eg you can transfer your credit limit from Maybank (conventional) to Maybank Islamic (Ikhwan cards) (the conversion form is available), but you cannot convert from Maybank Islamic to Maybank (Conventional), so you need to re-apply at Maybank (Conventional). Similar thing at FD-CASA, Standing instructions to Islamic loan, if I am not wrong.

This post has been edited by ClarenceT: Mar 16 2018, 12:39 PM
ClarenceT
post Mar 16 2018, 12:52 PM

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QUOTE(rapple @ Mar 16 2018, 12:39 PM)
I've done BT through my Ikhwan card to other conventional card without a problem.
I've cancel my MBB2 cards before and left with their Islamic card. After MBB2 reinstate their benefits I ask them to split the limit back to my new MBB2card without a problem as well.
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A lot of syariah rules coming up and revising from time to time, supervised by Syariah committee.
Islamic fund shall not be used for something tidak halal.


ClarenceT
post Mar 16 2018, 12:59 PM

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QUOTE(David83 @ Mar 16 2018, 12:44 PM)
I was applying additional cards.
I even tried splitting limits.
Whatever being proposed in MBB CC threads I had try.

I'm doing BT from Citibank Visa to Maybank Islamic.
If this is forbidden, CS should have tell earlier during the CS and not wasting my time further by submitting a manual BT application.
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Fund into Islamic account is not questioned.
Fund from Islamic to conventional (may involve something haram) is questionable.

If your application for PBB CC is rejected, spend RM26.50 to get the CTOS+CCRIS report and know your CTOS score.

Good luck.
ClarenceT
post Mar 20 2018, 09:54 AM

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QUOTE(HoNgZ @ Mar 20 2018, 09:39 AM)
Hi, Im new to PBB CC, and recently got myself Quantum cards and want to utilise the online cash back.

Tried to make payment to my insurance after I added my cards to PBe, but I can't choose my CC account to pay instead only saving account is available. Does anyone encountered this issue before?

Btw, if I setup standing instruction to pay my insurance from insurance portal, do I get cash back for that? That's the only option I could pay my insurance with CC in my insurance portal.
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Payment / Fund transfer via PBe / JomPay are not eligible for cashback / rewards points (Please read your application documents).
Standing Instruction or Auto-debit is not a form of Online Payment.

In order to get ONLINE rebate, you need to manually pay your insurance at their portal. Make sure you get a OTP to complete the transaction.
ClarenceT
post Mar 20 2018, 10:08 AM

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QUOTE(joevo2 @ Mar 20 2018, 10:00 AM)
Hey guys no OTP type online transaction let say PayPal will get CB? Or must have OTP?
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For Paypal, I think you need to link your PB credit card to your Paypal account in order to get online cashback.
From my transactions at US/SG online sites, if I didn't receive OTP then I wouldn't get online rebate.
ClarenceT
post Mar 20 2018, 10:14 AM

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QUOTE(HoNgZ @ Mar 20 2018, 10:09 AM)
Oh.. then case like insurance portal (AIA Bhd) only provide standing instructions for CC payment, means no way to get cash back for that?
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Not sure about AIA.
Maybe the online payment by credit cards is possible only for agents. (eg Zurich)
ClarenceT
post Mar 21 2018, 09:38 AM

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Anyone here had tested the baby from Tony Fernandes?
Reload BigPay App using VS (worked, received OTP) or Quantum Mastercard (working?) to get online rebate.
Then use the BigPay Prepaid Mastercard.
So I get 6% return for whatever transactions, not restricted to online, dining and groceries!

This post has been edited by ClarenceT: Mar 21 2018, 09:49 AM
ClarenceT
post Mar 21 2018, 10:35 AM

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QUOTE(joevo2 @ Mar 21 2018, 10:24 AM)
I thought 6% what... now I understand hmmm.... interesting... BigPrepaid is old one this is new one? https://www.bigpayme.com
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New one. Just launched. BigPay App can be reloaded by using Visa/MC only. Will get a physical card.
The old one cannot be reloaded by using Visa/MC and you must have at least 1 transaction to avoid monthly fee (RM2.50)
ClarenceT
post Mar 21 2018, 10:40 AM

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QUOTE(joevo2 @ Mar 21 2018, 10:32 AM)
Hmm MCC 6012. Since VS gets OTP and get cash back Quantum MC should get it also? So can get cashback 6% when top up bigpay and pay anything instead of just online and dining.
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So no point to rush for the 2XRM100 game on Mon-Wed if I can use the BigPay card for transactions other than online/dining/groceries(VS).

This post has been edited by ClarenceT: Mar 21 2018, 10:42 AM
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