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Credit Cards Public Bank Credit Cards V4, PB Visa Sig 6% & Quantum 5% Cash Back

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ClarenceT
post Sep 14 2018, 01:09 PM

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QUOTE(beLIEve @ Sep 14 2018, 01:05 PM)
Haha. I'm quite sure they know how to make some good money out of this.
I'm still trying to familiarize myself with the non-0% rate balance transfer. So correct me if I get this wrong.

When you pay $1133.33 a moon as instalment, you're already paying principal and interest for 3 years on the very first moon. Whereas for FD, even if you get the monthly interest, your principal is locked until the end of the period. I think this is what they call Effective Interest Rate. I remember I saw RHB's site also giving some BT around 4% but mention the EIR is around 15%.
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BT / personal loan, similar to car loan - initial balance.
FD, similar to housing loan - reducing balance.



ClarenceT
post Sep 17 2018, 07:47 AM

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QUOTE(tnghian @ Sep 17 2018, 02:35 AM)
May i know credit to boost is qualify to get cb compgn?
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Boost App's Merchant category is under Direct Marketing, Please refer to T&C - #13.
https://www.pbebank.com/pdf/Promotions/tc_c...ck-Q2-2018.aspx

Boost App top up is a Direct Debit transaction, not online so no normal CB for PB VS or QM.
ClarenceT
post Sep 18 2018, 10:16 AM

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QUOTE(peri peri @ Sep 18 2018, 09:47 AM)
Eeee.

the quantum visa for departmental rebate, Aeon departmental ok. But brands outlet not entitle.
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Brands Outlet not under Departmental for PB QV.
Most likely Brands Outlet's MCC same as their sister chain, Padini's, MCC5651(Family Clothing Stores).
ClarenceT
post Sep 20 2018, 02:04 PM

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QUOTE(coo|dude @ Sep 20 2018, 01:51 PM)
How about for the "Spend Now 4 More Cash Back" campaign?
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Post #1249

ClarenceT
post Sep 21 2018, 11:30 AM

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QUOTE(tan_aniki @ Sep 21 2018, 10:25 AM)
expecting Wk 6-9 pop out at the same time~
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Haha hope they are not studying on the nature of Bigpay transactions, as most of the winners spent 8 time consecutively on "BIGPAY KUALA LUMPUR MY". doh.gif
ClarenceT
post Sep 21 2018, 08:50 PM

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QUOTE(beLIEve @ Sep 21 2018, 08:30 PM)
Due to popular demand, later I write to customs and ask la.
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3. (b) (1)
http://www.customs.gov.my/en/Documents/AKT...RDER%202018.pdf

But card issuers will normally give a credit to contra the first ST.
ClarenceT
post Sep 21 2018, 09:03 PM

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QUOTE(hmwong @ Sep 21 2018, 08:55 PM)
Spend Now 4More Cash Back condition 13 (2) - "Qualified Retail Transactions made by a Supplementary Cardmember shall be aggregated with the Participant’s and the total eligible Cash Back payment will only be credited into the Participant’s credit card account."

What does 'aggregated' means? It means 'add-on'?
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combined.
ClarenceT
post Sep 21 2018, 09:11 PM

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QUOTE(beLIEve @ Sep 21 2018, 09:06 PM)
Yes, that is also my understanding. But urban legend say once issued then automatically taxed. I think customs don't know some banks offer cards in pairs and we only need one. Maybe the next revision will be more specific or maybe they don't care since not using the card.
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Change of Govt so rush to implement SST 2.0 without consulting the banks. Banks also got the final guidelines 2 weeks before SST 2.0. So it will take some time for the banks and the Customs to understand each other and fine-tune.

ClarenceT
post Sep 25 2018, 09:08 PM

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QUOTE(saitong09 @ Sep 25 2018, 08:46 PM)
Yes, they shouldn't charge us at the 1st place. Those didn't complaint $$ will go to government then  sweat.gif
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Not really the bank's fault, but the implementation process. Our new Govt rushed to implement SST 2.0 and bank's systems are not coded immediately to comply with the new guidelines, which is quite friendly to cardholders but not so straightforward for the operators and machines, which they may need to rectify manually in the early stage.
ClarenceT
post Sep 27 2018, 12:19 PM

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Week 6 over. NEXT - Week 7 13/8... Waiting...
ClarenceT
post Sep 27 2018, 05:42 PM

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Maybe... Bigpay is now having second payment platform with different MCC, active only during peak period (say 8am-12pm).

Visa and Mastercard on different platforms.
Happened to Payonline-Telekom last September, those using Mastercard got rebate, but those using Visa not getting rebate.

This post has been edited by ClarenceT: Sep 27 2018, 05:48 PM
ClarenceT
post Sep 27 2018, 07:35 PM

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Maybe not supervised by Director General of Police since Week 5. smile.gif
ClarenceT
post Sep 30 2018, 12:29 PM

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QUOTE(SwarmTroll @ Sep 30 2018, 12:24 PM)
Wait so tomorrow is the start of week 14, and you guys have only received the cash back for week 6 recently? So we will not know if we receive cashback until like after so many weeks? Is there like an sms notification or something? (Referring to cashback4u campaign)
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If you feel not comfortable, then don't join the game.
ClarenceT
post Oct 1 2018, 08:53 AM

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[quote=MGM,Oct 1 2018, 08:50 AM]
Just top up 8 X RM60 to Digi with VI but not dare to register for this 5% CB, later got RM24 instead of RM50 lol~ Stupid BP still down…
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[/quote]
U dont have VS or Quantum Master?
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[/quote]

Earn 0.3% extra but not to get 5%. confused.gif
ClarenceT
post Oct 1 2018, 08:54 AM

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QUOTE(leanman @ Oct 1 2018, 08:46 AM)
Spend Now 4 More Cash Back, does it valid if reload to Boost?
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NO for Direct Marketing!
ClarenceT
post Oct 1 2018, 09:07 AM

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QUOTE(skty @ Oct 1 2018, 09:00 AM)
hmm.gif
if get this card can get another RM760 quota.
but only RM20,000 per month and until end of Feb 2019 only.
mean only 526 ppl will get the cashback only in a month if fully utilize.
total CB can get is RM201.40 but need to pay SST RM25.
net CB is RM176.40.
whether worth to get or not.
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Utilities and Telco RM760 in a month.
+1 Free Entry to Plaza Premium Lounge (from 2 to 3)

ClarenceT
post Oct 1 2018, 09:33 AM

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QUOTE(skty @ Oct 1 2018, 09:22 AM)
all promotion catagories still capped at RM38.

not each catagory RM38.  tongue.gif
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PB don't specify the MCCs... hmm.gif
ClarenceT
post Oct 1 2018, 09:57 AM

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QUOTE(jkngo2003 @ Oct 1 2018, 08:15 AM)
for week6 cash back, may i know, for the one get rm15 or rm50 cashback. may i know what is the latest for your transition? if swipe before 10am monday, should i get the cashback?
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You bet is 480/4000x6 = RM 0.72
But gain RM0.08 worth of BigPoint.
Bet RM0.64 to win RM50.
ClarenceT
post Oct 1 2018, 01:00 PM

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QUOTE(lilsunflower @ Oct 1 2018, 12:52 PM)
Got my week 7 too, BP reloads across principals and supps.

Will be interesting to see if there's a repeat of week 6 mystery missing CB.
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Haha... My chance now. missing CB for WK7 - completed 8X by 7am 13/8.
rclxub.gif doh.gif vmad.gif mad.gif

ClarenceT
post Oct 1 2018, 01:38 PM

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QUOTE(jkngo2003 @ Oct 1 2018, 01:31 PM)
r u using shopee?

i just receive a all from pbe. she mention to me that the cashback pool finish at 10am morning and my transition is shopee is 11am whereas i swipe it at midnight 1215. they refuse to give me the cashback.

bigpay is best to use now for cashback
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16 Bigpay transactions under 2 principal accounts.
1 set completed by 7am, and another by 9am.
But the first one failing to win RM15 (fulfilled before 6am) or RM50.
Look very strange. Haha.

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