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

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cybpsych
post Nov 30 2018, 09:08 PM

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QUOTE(fkinmeng @ Nov 30 2018, 08:58 PM)
Thanks for your reply, i meant Jompay from PBe.
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anything from pbe not eligible.

exclusion clause 13 in t&c
cybpsych
post Dec 3 2018, 05:17 PM

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QUOTE(metaloid @ Dec 3 2018, 04:23 PM)
Public bank CB statement is tons better than MBB. You can see each itemized CB transaction wheres MBB only the total per month.
PS. Btw anyone can confirm if Quantum MC still gives CB for Ptptn portal?
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where do you see the "itemized cb transaction"?

QUOTE(tan_aniki @ Dec 3 2018, 04:39 PM)
erm i think Maybank calculate CB based on each transaction while Public Bank calculate by total.
eg. RM30.5 + RM30.5 Maybank gives u RM1.52 + RM1.52 = RM3.04 while Public Bank gives you RM3.05
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pbb also calculated cb per transaction level; which is why you can get lower spending amount to max out the cb.

e.g. rm38 cb max for VS, spending can be as low as RM632.49 assuming all targeted for SN4M. if you lumpsum 6% x RM632.49, you only get RM37.95 cb.


i prefer PBB's cb rounding (normal 2 decimal rounding up), rather than mbb's 2 decimal truncate.

This post has been edited by cybpsych: Dec 3 2018, 05:22 PM
cybpsych
post Dec 3 2018, 10:50 PM

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QUOTE(fruitie @ Dec 3 2018, 10:12 PM)
I just realised I spent less RM 17 to earn full cash back RM 38 for my VS. My statement cycle will due today, anything that I can pay and will be posted today? Online transactions only. Urgent and appreciate your advice.

I realised BP is T+1 so will be too late for me. I can't believe I made this blunder. doh.gif
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if u can determine, can try this Grab Taxi Petaling Jaya MY (tried in Sep 2018)

another was shopee thru ipay88 (transacted in Oct 2018)
cybpsych
post Dec 4 2018, 09:15 AM

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QUOTE(ckweng @ Dec 4 2018, 09:04 AM)
Hi, has anybody missed payment due date for 2-3 days before? Just wondering if there's an unofficial "grace period" after due date, before late payment fee will be charged by PB?

For those who have supplementary card(s), is the credit limit the maximum chargeable limit on the card? My supp card's transactions kept being denied by PB at around 60-70% utilisation of the card's prescribed credit limit.
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+2 days is ok. havent/dont dare to try 3 days.
cybpsych
post Dec 5 2018, 12:14 PM

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QUOTE(jiaen0509 @ Dec 5 2018, 12:09 PM)
You sure WK18 is out? Mean I lost WK18. Last transaction 8.30am.
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check later a bit.
cybpsych
post Dec 5 2018, 12:27 PM

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QUOTE(Nerdyfred @ Dec 5 2018, 12:26 PM)
Bigpay reload i used PBB VS and PBB QMaster.

PBB VS got the W18 cashback and PBB QMaster did not get. Anyone encounter this? Both reload around 6am+
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same day?

u do know all combined, right?
cybpsych
post Dec 5 2018, 01:21 PM

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QUOTE(vin_ann @ Dec 5 2018, 01:04 PM)
If I reload BP 4 times each via PBB VS and PBB Quantum master
The CB will shown in which card ?
Anyone tried before ?
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to the registered principal number
cybpsych
post Dec 5 2018, 02:17 PM

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QUOTE(metaloid @ Dec 5 2018, 02:14 PM)
do alot of you cancel one quantum visa/mc card due to sst?
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primarily sst reason, yes
cybpsych
post Dec 5 2018, 02:44 PM

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QUOTE(jiaen0509 @ Dec 5 2018, 02:42 PM)
8.30am missed the CB.

So what is the best time? 1am??
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QUOTE(AtMostFear @ Dec 5 2018, 02:42 PM)
No CB for me.

First transaction 829am, last 918am.
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when was 3rd transaction?

then we can narrow down between 1st -> 3rd window already finish quota.
cybpsych
post Dec 5 2018, 03:12 PM

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week17 -> week18

quota depletion jumped 1 hour earlier hmm.gif rclxub.gif
cybpsych
post Dec 5 2018, 03:29 PM

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QUOTE(ClarenceT @ Dec 5 2018, 03:28 PM)
2 hours earlier!
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he posted after my post, no need requote me back.
cybpsych
post Dec 5 2018, 07:30 PM

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user posted image

user posted image

user posted image
cybpsych
post Dec 5 2018, 08:56 PM

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QUOTE(thunderbird @ Dec 5 2018, 08:54 PM)
Hello,

What's the best card/most popular cash back card from PB?

I spend quite a lot per month, around RM2k to 3k for grocery and online shopping etc

My monthly income is 5 figures since year 2008, so i think it shouldn't be an issue.

I don't want huge credit, max 30k good enough for me. Thanks
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post 2 and 3

but ur high grocery, need other cards to supplement pbb's
cybpsych
post Dec 5 2018, 10:03 PM

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QUOTE(chonghe @ Dec 5 2018, 09:55 PM)
unbeliavable that I used to top up 9 a.m. ++ and can easily get cash back but since week 14 or so got nothing.. it gets finished so early now
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the 9am++ window already in jeopardy since week week16.

the surprising part is 8am+ window which caught a lot by surprise. rclxub.gif
cybpsych
post Dec 6 2018, 11:32 AM

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guys, just an advice...

for those NOT getting full RM50 cb for SN4M, do share your 3rd and 5th transaction time.

for those gotten full RM50 cb, only 8th transaction time is required.
cybpsych
post Dec 6 2018, 12:45 PM

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QUOTE(kimi28laren @ Dec 6 2018, 12:44 PM)
Can I own 1 card on Quantum instead of two?
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yes, call CS to cancel
cybpsych
post Dec 6 2018, 05:16 PM

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QUOTE(joeaverage @ Dec 6 2018, 05:15 PM)
24/12 is Monday and 31/12 is Monday. 2 mondays in 1 wk?  tongue.gif  smile.gif
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will not matter anyway laugh.gif
cybpsych
post Dec 6 2018, 06:16 PM

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QUOTE(patrickchun93 @ Dec 6 2018, 06:14 PM)
Just applied through online for QC card last monday. May I know roughly how long is the processing time? Should I wait or give them a call?
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longer than usual. usually 1 week approval + 1 week delivery.

just call if curious. no need ask us for permission to call smile.gif
cybpsych
post Dec 7 2018, 10:47 AM

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QUOTE(wilson1149 @ Dec 7 2018, 10:41 AM)
Alright , thanks~
So means if lets say i have 10 supp cards, i need to create 10 individual accounts?  blink.gif
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yes, by the supp cardholders to open the account/PBe, not you open more accounts under your NRIC.

btw, 10 supp cards, not possible. max is 9.
cybpsych
post Dec 8 2018, 07:47 AM

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QUOTE(MGM @ Dec 8 2018, 07:36 AM)
Does the cards' Complimentary Automatic Travel Insurance up to RM500,000 in travel insurance coverage includes car rental excess cover? I cant find the link to the Certificate of Insurance.
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https://www.pbebank.com/pdf/Cards/agreement..._cc_050617.aspx
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