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 Public Bank Credit Cards V5, PB Visa Sig 6% & Quantum 5% Cash Back

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ClarenceT
post Feb 1 2019, 05:15 PM

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QUOTE(SwarmTroll @ Feb 1 2019, 04:50 PM)
PB Quantum does not have any dining benefits correct? Besides the 5% cb for Quantum MC.
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www.pbebank.com -> Promo
PB Privilege at some F&B outlets
ClarenceT
post Feb 8 2019, 04:31 PM

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QUOTE(Kookie10 @ Feb 8 2019, 04:26 PM)
Hi would like to ask how to make payment for credit card if i dont have a public bank savings account? The PbE app is awful...
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IBFT Card Payment (to Public Bank - Credit Card) from your Current/Savings account (another bank).
ClarenceT
post Feb 13 2019, 01:25 PM

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QUOTE(singguli @ Feb 13 2019, 01:01 PM)
for those working in singapore can apply malaysia credit card or not ?
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Possible if you are Malaysian citizen.
Apply with your income/tax documents. No harm to try.
But it is up to the bank to approve or reject your application.
ClarenceT
post Feb 14 2019, 03:21 PM

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What is the phone number?
I want to add into my block list. smile.gif
ClarenceT
post Feb 14 2019, 08:09 PM

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QUOTE(David83 @ Feb 14 2019, 07:54 PM)
11street description changed to CelcomPlanetSdnBhd KL MYS

Is this normal?
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11street Malaysia is Celcom Planet Sdn Bhd, right?

ClarenceT
post Feb 15 2019, 05:17 PM

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QUOTE(wilson1149 @ Feb 15 2019, 05:13 PM)
Then i have to create multiple account to manage my supps  mega_shok.gif
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You can't create, only your supplementary members can create their own.
ClarenceT
post Feb 16 2019, 01:16 PM

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QUOTE(x88yunkw @ Feb 16 2019, 10:15 AM)
for my experience, who ever make a loan especially house loan, bank will auto give them credit card.
there is no such thing given special rate and gonna apply for credit cards.
ya.. recently applied visa cc from pbb, when collect, got the master also, i cancel it coz sst applied on each card, 12 swipes per year also apply to each card. for me not good to hold so many cards, if i manageable , i rather use debit cards.
Debit is rich , credit is poor. simply only my own thought. no offence ya.
now i left maybank 2 card mastercard (amex cancelled) and pbb visa card.
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(1) possible, you may get a cheaper housing loan rate if you hold their CC, but not common all the while. PB don't practice it now.
(2) 50%+ Credit card users are paying CC interest, so CC is toxic for them. But 40%+ credit card users can settle their CC statement balance and some of them are enjoying CC rewards or rebates every month. We are able to create "healthy" CC debts, we don't pay extra to the bank (CC interest/charges) but banks pay us every month (on rewards/rebates). Service tax RM25 per year per CC is just a small investment cost.
ClarenceT
post Feb 21 2019, 11:34 AM

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QUOTE(LostAndFound @ Feb 21 2019, 11:30 AM)
Which promo is that?
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PB VI 5%
ClarenceT
post Feb 21 2019, 11:53 AM

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QUOTE(David83 @ Feb 21 2019, 11:42 AM)
Both cards are out of the leagues for most.
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Early VS takers can take VI/WM now.
But not interested to get the cards.
ClarenceT
post Feb 21 2019, 12:07 PM

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Good thing to take VI/WM is +1 PPL access (not +3, VS - already 2).

This post has been edited by ClarenceT: Feb 21 2019, 12:26 PM
ClarenceT
post Feb 22 2019, 07:43 AM

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QUOTE(David83 @ Feb 21 2019, 08:31 PM)
When key in OTP just now, notice there's an important notice in RED colour font:

Foreign currency trading provided by entities other than licensed onshore bank and payment for derivatives (unless approved by BNM) are illegal and prohibited.

Not sure if this is my first time seeing this or not. laugh.gif
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Ya I also noticed it.

PBB should detect MCC6012 so give you warning/reminder.
ClarenceT
post Feb 22 2019, 08:23 AM

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QUOTE(David83 @ Feb 22 2019, 07:48 AM)
But the payment I made is to TNB using MyTNB app
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Oh my bad. I thought the message is for financial services related transactions.
ClarenceT
post Feb 22 2019, 11:15 AM

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QUOTE(David83 @ Feb 22 2019, 11:06 AM)
Yes, it's merchant problem.
They willingly to investigate?
From the response here, the CS will shove it off by claiming that the transaction mode is offline.
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If IPAY88-SHOPEE same day posting for PB CC and always ONLINE.

If Cybersource, it is now "Shopee Malaysia KUALA LUMPUR MY" instead of SG site, it can be Online or Offline.
The posting is T+1 instead of T+2 (SG). But it could be T+0 using Maybank CC.
15-Feb-2019 15-Feb-2019 Shopee Malaysia KUALA LUMPUR MY
15-Feb-2019 14-Feb-2019 Shopee Malaysia KUALA LUMPUR MY
ClarenceT
post Feb 22 2019, 11:36 AM

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QUOTE(anakMY @ Feb 22 2019, 11:19 AM)
Is there a method to make sure the transaction will be always "ONLINE" ?
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My experience...
I go to "Bank Accounts / Cards", see the list of CCs, I know I will be directed to IPAY88 or Cybersource (different CCs).
If Ipay88, I will get "IPAY88-..." in OTP. I always get Online rebate from Ipay88-Shopee.
If Cybersource, I use Maybank FCB VS / RHB / HLB / SCB JOP (future) / CIMB-Lazada Prepaid, then I am not eyeing Online rebate (it can always be fulfilled by top-up Bigpay).
ClarenceT
post Feb 22 2019, 01:58 PM

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QUOTE(ProxMatoR @ Feb 22 2019, 01:20 PM)
hey guys, a friend of mine wanted to apply for the visa signature card, he has no card with pbb yet, and his income last year was just short of 8k. anyone knows if anyhow he can get to apply it?

maybe like apply for quantum (or whatever), then apply for VS?

i'm not familiar with public bank "style" lol. sifus here can help?
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Received the latest EA?
If less than <RM80k, give up VS and apply for Quantum only.
If more than >RM80k, apply VS, maybe with a letter - ok for quantum if application for VS is not successful.
ClarenceT
post Feb 27 2019, 11:28 AM

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QUOTE(propusers @ Feb 26 2019, 05:17 PM)
SST offset for both card Quantum Master and Visa?

i can easily hit 4k for Quantum Master.
but for Visa, I hardly use it.
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Other than going to theme parks, buy movie tickets, Parkson/Aeon/Metrojaya vouchers...

Top up Bigpay RM7000, you get 7000 VIP points, convert to 2000 Big Points.
Top up Bigpay RM7000 -> 140 Big Points
Total Big Points collected 2140 -> RM21.40
2X ATM -> -RM12

devil.gif easily hit RM4000.
ClarenceT
post Feb 27 2019, 12:18 PM

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QUOTE(geekfiredog @ Feb 27 2019, 12:10 PM)
Didn't pay much attention to the VIP points ever since I got my VS card as the main objective is cash back, but it has grown to > 10,000 VIP without realizing it.

Question :  How to convert VIP points to BIGPoints?
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https://www.airasiabig.com/my/en/earn-redeem#pointconversion
ClarenceT
post Mar 1 2019, 05:06 PM

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QUOTE(Lingohal @ Mar 1 2019, 05:02 PM)
Good!

Just fyi, both PB mastercard and bigpay mastercard follows the mastercard currency exchange rate.

PB charges 1.25% bank fee and bigpay 0%.
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+1% more or less from MasterCard International.
So total +2.25%.
ClarenceT
post Mar 3 2019, 12:54 PM

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QUOTE(fruitie @ Mar 3 2019, 12:10 PM)
It's not combined limit ah? Mine looks the same for both QMC and VS. hmm.gif
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Combined limit for VS+Quantun RM30k,
But VS RM30k, Quantum cards RM9k.

ClarenceT
post Mar 4 2019, 09:26 AM

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QUOTE(guy3288 @ Mar 2 2019, 10:41 PM)
kena penalty first time,

sup cards payment RM595.25 due 21.2.2019 not paid

new statement 1.3.2019 came only realised,

any idea how is the 15% penalty calculated = RM8.15?

595.35 x 15% x 1 month = RM7+/-
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Not only RM595.35 portion kena charge penalty + interest.
New transaction RM633.25 also kena interest already.
You better settle the statement balance in full immediately, not till the due date!
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