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

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tbheng
post Jan 8 2019, 07:32 AM

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QUOTE(cybpsych @ Jan 7 2019, 11:43 AM)
(60.09 x 10) + (31.59 x 1) = 632.49

this is one of the example to meet SN4M's min RM60 per transaction. the remaining RM31.59 is just to max the cb to RM38.00.

user posted image
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Brilliant math idea!
I was trying to solve the puzzle until you gave the solution. laugh.gif
Thanks for the details.
ronnie
post Jan 8 2019, 09:16 AM

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QUOTE(tbheng @ Jan 8 2019, 07:32 AM)
Brilliant math idea!
I was trying to solve the puzzle until you gave the solution. laugh.gif
Thanks for the details.
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Didn't bother to check...just ask for answer directly.

Basically we just need to make sure the Cashback has 0.005 to create the round-up effect.
Eg. RM60.09 x 6% = 3.6054. thus PBB will assume RM3.61 (instead of RM3.60)

talexeh
post Jan 8 2019, 09:27 AM

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QUOTE(ronnie @ Jan 8 2019, 09:16 AM)
Didn't bother to check...just ask for answer directly.

Basically we just need to make sure the Cashback has 0.005 to create the round-up effect.
Eg. RM60.09 x 6% = 3.6054. thus PBB will assume RM3.61 (instead of RM3.60)
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Just wanna share, don't assume all banks round-up like PBB. Other banks like Maybank will round-down instead.
TongCN
post Jan 8 2019, 09:45 AM

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Without the campaign, i might need manually check my cashback expenses / month now , hahahha!!
SUSDavid83
post Jan 8 2019, 09:48 AM

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QUOTE(TongCN @ Jan 8 2019, 09:45 AM)
Without the campaign, i might need manually check my cashback expenses / month now , hahahha!!
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Why so?
With or without, I also manually check them.
TongCN
post Jan 8 2019, 10:05 AM

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QUOTE(David83 @ Jan 8 2019, 09:48 AM)
Why so?
With or without, I also manually check them.
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Cause normally just Monday will keep track, now without it, i sometime might forget that RM600 (QM) XD
Devil4life
post Jan 8 2019, 11:22 AM

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I realise I didn't get cash rebate for my Shopee Transaction for PB Quantum Master. Isn't it under online transaction?
fruitie
post Jan 8 2019, 11:23 AM

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QUOTE(Devil4life @ Jan 8 2019, 11:22 AM)
I realise I didn't get cash rebate for my Shopee Transaction for PB Quantum Master. Isn't it under online transaction?
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If you search this thread, you will see a few posts mentioning about this. sad.gif

Not sure if I want to use Shopee with PBB cards anymore, probably reload to BP and pay from BP then.
SUSDavid83
post Jan 8 2019, 11:23 AM

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QUOTE(Devil4life @ Jan 8 2019, 11:22 AM)
I realise I didn't get cash rebate for my Shopee Transaction for PB Quantum Master. Isn't it under online transaction?
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Shopee got problem.
Somebody has shared the experience last month.
Scroll back few pages or use the search function to find it back.
cybpsych
post Jan 8 2019, 11:23 AM

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QUOTE(SNHY693 @ Dec 14 2018, 05:49 PM)
Need some help guys,
I bought some items using the Quantum Master on Shopee on 11.11 and one of my transactions received the 5% cashback

However for my mums credit card, there is 3 transactions on Shopee on the same date that did not received the cashback.

After calling to their hotline, they claim that the 3 transactions is listed under e-commerce and no cashback is given.

The CS claim that it depends on how each seller in Shopee is registered, either as e-commerce or online.

Just wanna ask, isnt it that all payment is thru Shopee as they are using the Shopee's payment gateway? So isnt it all transactions will get cashback?

Even my transaction on 10.12 did not get cashback. Dun tell me shopee using diff payment gateway leading to no cashback already? ranting.gif
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QUOTE(SNHY693 @ Dec 21 2018, 10:49 AM)
Update on Shopee issue, this is their reply

Please be informed that the Bank is only acting in the capacity of a Billing Agent for Biller (Merchant). In other words, the billing is done by Merchant and all data pertaining to the transactions made on your Credit Card are from the Merchant not the Card Issuing Bank.

As long as the Merchant had indicated to us that the said transaction is an Online Transaction or E-Commerce Transaction, Cardmember will enjoy 5% Cash Back when using their Quantum MasterCard to make the purchases (capped at RM 30.00 Per Month Per Principal Cardmember).

The email also mentioned that one of the shopee transactions is not indicated as online transaction.... but then the next sentence mentioned they will deduct my VIP Points and credit the cashback to me next month. Is this considered goodwill or what?
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QUOTE(SNHY693 @ Dec 26 2018, 03:24 PM)
Previously mentioned here that some of my Shopee transactions did not receive cashback. Public Bank CS called and said that the transactions are not listed as online transactions as it depends on merchant's settlement method. The CS mentioned that there is no way to determine whether our online purchases qualify for cashback until the transaction goes through. PBB also does not have any TnC or statement that mentions what qualifies for cashback under "online" category. So basically the cashback for "online" category is not a guaranteed. Can be a hit and miss thing..
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QUOTE(Devil4life @ Jan 8 2019, 11:22 AM)
I realise I didn't get cash rebate for my Shopee Transaction for PB Quantum Master. Isn't it under online transaction?
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possibly due to the above scenario...
beLIEve
post Jan 8 2019, 11:24 AM

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QUOTE(TongCN @ Jan 8 2019, 10:05 AM)
Cause normally just Monday will keep track, now without it, i sometime might forget that RM600 (QM) XD
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you can still reload 8x60 every monday smile.gif
Devil4life
post Jan 8 2019, 11:27 AM

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QUOTE(fruitie @ Jan 8 2019, 11:23 AM)
If you search this thread, you will see a few posts mentioning about this. sad.gif

Not sure if I want to use Shopee with PBB cards anymore, probably reload to BP and pay from BP then.
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QUOTE(David83 @ Jan 8 2019, 11:23 AM)
Shopee got problem.
Somebody has shared the experience last month.
Scroll back few pages or use the search function to find it back.
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QUOTE(cybpsych @ Jan 8 2019, 11:23 AM)
possibly due to the above scenario...
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Thanks I've search after I posted and found out many having issues. Some captured as e-commerce probably my case too.

Time to top up to Big Pay then. But I realize my latest statement for PB Visa Signature I didn't get cash rebate for all my Big Pay too, while PB Quantum Master already shown. Not sure is the official statement not out yet (Statement date 7th every month) as I check this morning my PB online.
SUSDavid83
post Jan 8 2019, 11:27 AM

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QUOTE(beLIEve @ Jan 8 2019, 11:24 AM)
you can still reload 8x60 every monday smile.gif
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No point of doing so if you have reached your card quota.
fruitie
post Jan 8 2019, 11:28 AM

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QUOTE(Devil4life @ Jan 8 2019, 11:27 AM)
But I realize my latest statement for PB Visa Signature I didn't get cash rebate for all my Big Pay too, while PB Quantum Master already shown. Not sure is the official statement not out yet (Statement date 7th every month) as I check this morning my PB online.
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Nah, it is still giving cash back. My statement date was 3rd. I can see in my statement generated on 4th.
cybpsych
post Jan 8 2019, 11:29 AM

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QUOTE(Devil4life @ Jan 8 2019, 11:27 AM)
Thanks I've search after I posted and found out many having issues. Some captured as e-commerce probably my case too.

Time to top up to Big Pay then. But I realize my latest statement for PB Visa Signature I didn't get cash rebate for all my Big Pay too, while PB Quantum Master already shown. Not sure is the official statement not out yet (Statement date 7th every month) as I check this morning my PB online.
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statement for 7th should already be out this morning. get from PBe instead.

how did you "realize" your VS didnt get cb for bigpay? was it posted by 7 Jan?
jiaen0509
post Jan 8 2019, 12:22 PM

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My credit limit is currently 2x my monthly salary. Anyone have idea what CL normally PBB offer? 2x?2.5? Because I would like to request to increase the credit limit. Not sure what amount I have to put.
Barricade
post Jan 8 2019, 12:54 PM

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QUOTE(jiaen0509 @ Jan 8 2019, 12:22 PM)
My credit limit is currently 2x my monthly salary. Anyone have idea what CL normally PBB offer? 2x?2.5? Because I would like to request to increase the credit limit. Not sure what amount I have to put.
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Mine is 5x of my basic salary
saitong09
post Jan 8 2019, 01:08 PM

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QUOTE(spreeeee @ Dec 18 2018, 10:44 AM)
lazada wallet top up, eligible for cash back?
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Anyone can confirm lazada wallet top up entitle for online cashback?
BeastX
post Jan 8 2019, 01:51 PM

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QUOTE(saitong09 @ Jan 8 2019, 01:08 PM)
Anyone can confirm lazada wallet top up entitle for online cashback?
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Yup... for the standard 6% or 5%...
saitong09
post Jan 8 2019, 02:17 PM

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QUOTE(BeastX @ Jan 8 2019, 01:51 PM)
Yup... for the standard 6% or 5%...
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Nice, thank you

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