There's a long feedback loop for that though. The perception of 'got chance' which prompts people to spend will last until the customer realises that actually no chance. Some would blur blur just never realise. Those who do realise will either give up or search around and find the methods we've been using here.

In the end only PBB will know whether there's a drop in spending after BigPay reload became widespread. If there is a significant drop in customer spend then likely to modify T&C.

Posting in New thread to keep track once more..

are those shops like Nike / Adidas / Timberland in Genting Premium Outlet consider as Departmental categories? so I can enjoy 5% cash back with Quantum Visa.

Those should be considered as Retail. Departmental category should refer to those large stores like Aeon, Parkson, Isetan etc.

there specific mcc for these outlets, more like clothing/fashion/sports apparel categories.

QV only accepts Departmental, which is GMS (general merchandise store) which provides variety of products like fashion, household items, electrical appliances, etc.

They should fall into any of below MCC:

MCC 5621 - Women's Ready To Wear Stores:

MCC 5631 - Women’s Accessory and Specialty Shops:

MCC 5651 - Family Clothing Stores:

MCC 5661 - Shoe Stores:

MCC 5691 - Men’s and Women’s Clothing Stores:

MCC 5699 - Miscellaneous Apparel and Accessory Shops:


Departmental MCC is 5311

Just reload QMC into BP and spend on anything with 5% CB

Most likely No for PB QV.
Most likely Yes for RHB VS.

There was 1 Chinese medicine megashop that was classified as Dept store in PJ but it has moved.

There was 1 Chinese medicine megashop that was classified as Dept store in PJ but it has moved.

these outliers better not mixed into the discussion, users would get confused.

Not everybody likes Prepaid Card!
I don't like the idea at all!
There're so many e-wallets to maintain!

Fair enough, but getting at least 5% off EVERYTHING including insurance premiums and college fees is just too good to ignore

thanks for the info!

not everyone's spending is the same though, and some just ok with the current cc without reliance to BP

Not everyone is willing to give a copy of their IC without any watermarks. And I've heard some managed to get through with watermarks, but they kept rejecting mine.

there is no one best card out there. that's why u see banks have so many credit cards selections. what is useful to you, may not be to others - and vice versa.

If I apply BT at PBB. Mean PBB will help me pay my MBB credit card let say 3k.

After that I need to pay 3k devide 12months to PBB every month?

Will it affect my PBB credit limit?

Yes - 3k divide 12 each month. The "money" is taken from your PBB credit card. Total cedit limit remains the same, but available limit will reduce by 3k.

This post has been edited by beLIEve: Nov 27 2018, 03:09 PM

flex payment, call for cash, bt etc all the same concept.
you will pay the one time fee for this case is RM0 then every month pay the total/tenure month.
let's say your credit limit is RM10k, it will become RM7k and next month will become RM7250.