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

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ClarenceT
post Dec 5 2018, 07:32 AM

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QUOTE(jutamind @ Dec 5 2018, 07:09 AM)
Since cash back are normally used by by early Non morning, how do you guys pay TNB bills early enough to earn the cash back?
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Read T&C #13 (1)
https://www.pbebank.com/pdf/Promotions/tc_c...ck-Q2-2018.aspx
SUSDavid83
post Dec 5 2018, 07:32 AM

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QUOTE(jutamind @ Dec 5 2018, 07:09 AM)
Since cash back are normally used by by early Non morning, how do you guys pay TNB bills early enough to earn the cash back?
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TNB bills is under utilities and it's under exclusion list.
fruitie
post Dec 5 2018, 07:37 AM

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QUOTE(kart @ Dec 5 2018, 06:46 AM)
fruitie sis's genuine concern is that she will lose out on the potential online cashback on the 1x monthly deduction for PTPTN. She still gains online cashback on the additional 1x monthly instalment paid manually.

It is understandable, really. The mandatory monthly deduction is an effective way to force PTPTN defaulters, to pay the monthly loan instalments.    

However, the mandatory monthly deduction unfairly penalizes the diligent people who promptly pay the monthly instalment, manually with credit card to gain online cashback, such as fruitie sis and other well-informed posters in this subforum.

I wonder whether PTPTN will allow borrowers to opt out of mandatory monthly deduction, provided that consistent loan repayments are shown for the last 12 months.  hmm.gif

I guess that there is no such thing, such as a perfect system.
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I searched for this news to read again last night, it's between 2%-15%, I don't know how's it determined. Currently my monthly repayment is around 3% of my income and even the amount may be insignificant every month, I still prefer to pay with CC rather than cash. tongue.gif However, like LostAndFound said probably still can earn cash back, not that much only lo. laugh.gif

Anyhow, still not much details yet. Later check with my payroll team if they know anything about this.

QUOTE(jutamind @ Dec 5 2018, 07:09 AM)
Since cash back are normally used by by early Non morning, how do you guys pay TNB bills early enough to earn the cash back?
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Reload into BigPay...

This post has been edited by fruitie: Dec 5 2018, 07:38 AM
stevenkkh
post Dec 5 2018, 09:39 AM

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Just think if you have two card:

1 Master with like 40k LIMIT

1 VS with like 30k LIMIT,

Does this mean each card have their own limit that I can balance transfer out 80% from master and vs from the total limit of 70k or this is actually sharing limit of the highest 40k?
SUSDavid83
post Dec 5 2018, 09:42 AM

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QUOTE(stevenkkh @ Dec 5 2018, 09:39 AM)
Just think if you have two card:

1 Master with like 40k LIMIT

1 VS with like 30k LIMIT,

Does this mean each card have their own limit that I can balance transfer out 80% from master and vs from the total limit of 70k or this is actually sharing limit of the highest 40k?
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Should be sharing of highest of RM 40k
LostAndFound
post Dec 5 2018, 10:17 AM

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QUOTE(fruitie @ Dec 5 2018, 07:37 AM)
I searched for this news to read again last night, it's between 2%-15%, I don't know how's it determined. Currently my monthly repayment is around 3% of my income and even the amount may be insignificant every month, I still prefer to pay with CC rather than cash. tongue.gif However, like LostAndFound said probably still can earn cash back, not that much only lo. laugh.gif
You can maintain your cashback amount, just have to pay out more only =). Our finance minister thanks you for your diligence.

EDIT: Week 18 cashback is out. I got full RM 50 for 5:50am transactions.

This post has been edited by LostAndFound: Dec 5 2018, 11:58 AM
jiaen0509
post Dec 5 2018, 12:09 PM

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QUOTE(LostAndFound @ Dec 5 2018, 10:17 AM)
You can maintain your cashback amount, just have to pay out more only =). Our finance minister thanks you for your diligence.

EDIT: Week 18 cashback is out. I got full RM 50 for 5:50am transactions.
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You sure WK18 is out? Mean I lost WK18. Last transaction 8.30am.
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.
vin_ann
post Dec 5 2018, 12:15 PM

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QUOTE(fruitie @ Dec 5 2018, 07:37 AM)
I searched for this news to read again last night, it's between 2%-15%, I don't know how's it determined. Currently my monthly repayment is around 3% of my income and even the amount may be insignificant every month, I still prefer to pay with CC rather than cash. tongue.gif However, like LostAndFound said probably still can earn cash back, not that much only lo. laugh.gif

Anyhow, still not much details yet. Later check with my payroll team if they know anything about this.
Reload into BigPay...
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Found in Twitter

user posted image
Nerdyfred
post Dec 5 2018, 12:26 PM

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Bigpay reload i used PBB PV and PBB QMaster.

PBB PV got the W18 cashback and PBB QMaster did not get. Anyone encounter this? Both reload around 6am+
Nerdyfred
post Dec 5 2018, 12:26 PM

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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+

This post has been edited by Nerdyfred: Dec 5 2018, 12:26 PM
ClarenceT
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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Under same I/C? Both Principal CC?
No problem if different I/C numbers.

This post has been edited by ClarenceT: Dec 5 2018, 12:29 PM
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?
Nerdyfred
post Dec 5 2018, 01:03 PM

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QUOTE(ClarenceT @ Dec 5 2018, 12:27 PM)
Under same I/C? Both Principal CC?
No problem if different I/C numbers.
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Oh No, i thought is different product.

What if i use the sub card which is a different IC No.
Nerdyfred
post Dec 5 2018, 01:04 PM

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QUOTE(cybpsych @ Dec 5 2018, 12:27 PM)
same day?

u do know all combined, right?
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I thought it can by different product, no?
vin_ann
post Dec 5 2018, 01:04 PM

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QUOTE(cybpsych @ Dec 5 2018, 12:27 PM)
same day?

u do know all combined, right?
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If I reload BP 4 times each via PBB VS and PBB Quantum master
The CB will shown in which card ?
Anyone tried before ?
ClarenceT
post Dec 5 2018, 01:13 PM

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QUOTE(Nerdyfred @ Dec 5 2018, 01:03 PM)
Oh No, i thought is different product.

What if i use the sub card which is a different IC No.
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Both VS and QM are principal, same I/C -> 1x RM50 only (combined with your sub)
If VS is principal, QM is supplementary under another person -> 1X RM50 for you, 1X RM50 for your partner.

Ask your partner to be a principal card holder and sub a CC to you.


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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Any combination of PBB Principal CCs (same person) and supplementary CCs (different persons).
The rebate will go to one of the principal card.

This post has been edited by ClarenceT: Dec 5 2018, 01:15 PM
SUSDavid83
post Dec 5 2018, 01:13 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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It'll appear on the card you used during SMS registration.
ziniowong
post Dec 5 2018, 01:14 PM

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week18 cb is in
cclim2011
post Dec 5 2018, 01:17 PM

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Week18 rm50 in. Last transaction ~1230
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