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

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TSDarReNz
post Nov 24 2018, 11:35 PM, updated 7y ago

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List of Public Bank Credit Cards

Gold Credit Cards
PB Visa Gold
PB Gold MasterCard

Platinum Credit Cards
PB Visa Platinum
PB Platinum MasterCard

Others
PB Visa Classic
PB Visa Infinite (By Invitation)
PB World MasterCard | V1
PB MasterCard Standard
PB Executive MasterCard

Co-Branded Credit Cards
PB-Petron Visa Gold
PB-AIA Visa Gold
Mutual Gold-PB Visa Platinum (By Invitation)

Islamic Credit Cards
Public Islamic Bank Visa Gold
Public Islamic Bank MasterCard Gold
Public Islamic Bank Visa Platinum
Public Islamic Bank MasterCard Platinum

Important Notices
Revision of Credit Card Features
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Documents
Product Disclosure Sheet
Application Form
Online Application Form
Supplementary Application Form
Credit Limit Form
Balance Transfer Form
Flexipay Form
Supporting Documents Required (incl. Overseas Income)
PBe Registration
Redemption Rewards

Online Banking
PBe > Profile Maintenance > Manage Profile > Add / Delete Account
PBe > Account > PB Card > Add Card

Promotions
Apply for PB Card Now And Get Complimentary Gift And Cash Rebate (until 30th June 2019)
Spend Everyday With PB Visa Credit Card (until 14th July 2019)

Previous Threads
V1 | V2 | V3 | V4 |

This post has been edited by DarReNz: May 1 2019, 01:35 PM
TSDarReNz
post Nov 24 2018, 11:35 PM

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Annual Income
RM 80,000

Cash Back & VIP Point
6% Cash Back on Grocery, Dining and Online Transaction and earn VIP Point for other retail transactions! The Cash Back earned will be credited monthly to your Card Account.
6% Cash Rebate is capped at RM38 per month per principal account equivalent to RM633.25 spend (effective 1st January 2018).
VIP Points are redeemable for Air Miles, gift vouchers and products from our Preferred Redemption Rewards Catalogue.

Visa payWave
A fast and convenient way to pay your purchases by simply 'waving' your card when prompted by the contactless reader at the checkout.

2x Complimentary Access to Plaza Premium Lounge Malaysia
Enjoy the comfort and convenience of an airport lounge regardless of class of travel or airline. Comfortable seating, recharging stations, food and beverages, high speed Wi-Fi, internet workstations, shower rooms and baggage handling are few of the services offered. PB Visa Signature Cardmember is entitled to 2x complimentary access to any Malaysia Plaza Premium Lounge in a calendar year (combined Principal and Supplementary Cardmembers). Subsequent access is chargeable at walk-in rate.

Free Automatic Travel Insurance
Up to RM500,000 travel insurance coverage. You can even claim for inconvenience due to Luggage Delay, Luggage Loss, Flight Delay, Missed Connecting Flight, Trip Cancellations and Repatriation expenses.

According to PB Customer Service
• Cashback calculation is based on Posting Date of Statement Month and credited on Statement Date
• Please be informed that you will enjoy the online cash rebate if it is a eCommerce transaction including bill payment/insurance (exclude transaction via www.pbebank.com). courtesy of laymank
• PDF eStatement from PBe portal will be available 2 days after Statement Date

Annual Fee Waiver
First year annual fee is waived for principal and supplementary cardmembers. Subsequent years' annual fee waived is subject to 12 swipes in the preceding 12 months.

Signature Help Desk
Call 03-2176 8118 for Dedicated Help Desk to provide customer service 24 hours a day, 365 days a year.

Previous Threads
V1 | V2 | V3 | V4
TSDarReNz
post Nov 24 2018, 11:36 PM

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Annual Income
RM 36,000

Cash Back & VIP Point
Quantum MasterCard
5% Cash Back on Online & Dining transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.
Quantum Visa
5% Cash Back on Entertainment & Departmental Stores transactions, capped at RM30 per monthly statement cycle equivalent to RM600 spend.
• 1x VIP Point for other retail spend (local)
• 2x VIP Points for other retail spend (overseas)

Exclusive Flexi-Payment Plan Offer
0% for 12 months with minimum purchase of RM1,200
Call: 03-2176 8000 Email: custsvc@publicbank.com.my

Contactless Payment
• Contactless payment via MasterCard PayPass and Visa payWave
• Chip & PIN technology

No Annual Fee
Free for Life. Annual Fee Waiver for Life for both Principal Cardmembers and Supplementary Cardmembers.

Help Desk
Call 03-2176 8333 for World Help Desk to provide customer service 24 hours a day, 365 days a year.
TSDarReNz
post Nov 24 2018, 11:37 PM

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Cash Back Category Details

Visa Signature Only
Grocery [MCC: 5411]
» Click to show Spoiler - click again to hide... «


Visa Signature & Quantum MasterCard
Dining [MCC: 5812, 5813, 5814]
» Click to show Spoiler - click again to hide... «


Visa Signature & Quantum MasterCard
Online Transaction
» Click to show Spoiler - click again to hide... «


Quantum Visa Only
Entertainment [MCC: 7832, 7911, 7922, 7929, 7933, 7941, 7991, 7993, 7996, 7998, 7999]
» Click to show Spoiler - click again to hide... «


Quantum Visa Only
Departmental [MCC: 5311]
» Click to show Spoiler - click again to hide... «


No Cash Back Merchants bangwall.gif
» Click to show Spoiler - click again to hide... «


This post has been edited by DarReNz: Jun 20 2019, 09:22 PM
!@#$%^
post Nov 24 2018, 11:51 PM

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QUOTE(samuraix79 @ Nov 24 2018, 10:34 PM)
Existing, came with HL
At first thinking cancel to apply Quantum but heard difficult to get and I still have balance BT not cleared
*
interesting. any other success stories?
ExCrIpT
post Nov 25 2018, 12:10 AM

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what is that weekly cash back allocation? does that mean not everyone is entitled for cash back from their CC when it hits the target?
janson_kaniaz
post Nov 25 2018, 12:11 AM

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QUOTE(ExCrIpT @ Nov 25 2018, 12:10 AM)
what is that weekly cash back allocation? does that mean not everyone is entitled for cash back from their CC when it hits the target?
*
first come first served.
SUSDavid83
post Nov 25 2018, 12:13 AM

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QUOTE(ExCrIpT @ Nov 25 2018, 12:10 AM)
what is that weekly cash back allocation? does that mean not everyone is entitled for cash back from their CC when it hits the target?
*
RM 30k per week.
Each cardholder per NRIC is capped at RM 50 per week.

It's on FCFS basis.

This post has been edited by David83: Nov 25 2018, 12:14 AM
peri peri
post Nov 25 2018, 12:20 AM

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the 12 months 0% balance transfer is gooding, apply early to avoid disappointment
beebee1314
post Nov 25 2018, 09:46 AM

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QUOTE(peri peri @ Nov 25 2018, 12:20 AM)
the 12 months 0% balance transfer is gooding, apply early to avoid disappointment
*
Weird where u find this
AskarPerang
post Nov 25 2018, 09:50 AM

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QUOTE(beebee1314 @ Nov 25 2018, 09:46 AM)
Weird where u find this
*
Is for PBB Quantam Card.
Refer: https://forum.lowyat.net/index.php?showtopi...post&p=91030528
dragonteoh
post Nov 25 2018, 10:32 AM

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Hi, would like to ask , if we fully earn the max cash back and we continue swipe the card for the CB eligible categories , will we still get points ?

Example : PBB VS max cash back RM38
already fully earn Cash back max 38, then i continue swipe for Online purchase, will i still get points ?

This post has been edited by dragonteoh: Nov 25 2018, 10:37 AM
woolala
post Nov 25 2018, 10:38 AM

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Hi, is Fave subjected to cashback for VS and quantum? It doesn’t seem to be reflected on my cashback.
SUSDavid83
post Nov 25 2018, 10:41 AM

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QUOTE(dragonteoh @ Nov 25 2018, 10:32 AM)
Hi, would like to ask ,  if we fully earn the max cash back and we continue swipe the card for the CB eligible categories , will we still get points ?

Example : PBB VS max cash back RM38
already fully earn Cash back max 38, then i continue swipe for Online purchase, will i still get points ?
*
No points if exceeded quota.
SUSDavid83
post Nov 25 2018, 10:44 AM

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QUOTE(woolala @ Nov 25 2018, 10:38 AM)
Hi, is Fave subjected to cashback for VS and quantum? It doesn’t seem to be reflected on my cashback.
*
If no OTP is sent to you, you won't get cash back like Boost.
Read Post#4

This post has been edited by David83: Nov 25 2018, 10:44 AM
dragonteoh
post Nov 25 2018, 10:47 AM

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QUOTE(David83 @ Nov 25 2018, 10:41 AM)
No points if exceeded quota.
*
Thanks for the info.
beebee1314
post Nov 25 2018, 11:08 AM

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QUOTE(AskarPerang @ Nov 25 2018, 09:50 AM)
Is for PBB Quantam Card.
Refer: https://forum.lowyat.net/index.php?showtopi...post&p=91030528
*
It's not BT. Flexi-Payment is different
WinterDays
post Nov 25 2018, 11:23 AM

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QUOTE(cybpsych @ Nov 22 2018, 11:05 AM)
Click here for Terms & Conditions and Application Form (PDF format, 659kb)

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*
QUOTE(beebee1314 @ Nov 25 2018, 09:46 AM)
Weird where u find this
*
fruitie
post Nov 25 2018, 11:45 AM

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QUOTE(beebee1314 @ Nov 25 2018, 11:08 AM)
It's not BT. Flexi-Payment is different
*
It's by invitation but apparently even without invitation can apply too.
Refer to BT thread for more information.
beebee1314
post Nov 25 2018, 12:22 PM

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QUOTE(WinterDays @ Nov 25 2018, 11:23 AM)

*
Oh ok. He mentioned for quantum card. I tot different one. Thanks thanks.
TongCN
post Nov 25 2018, 12:56 PM

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New thread !
tan_aniki
post Nov 25 2018, 01:43 PM

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Finish submit RM15k BT with 12 months 0% installement~
nickcct
post Nov 25 2018, 07:37 PM

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QUOTE(WinterDays @ Nov 25 2018, 11:23 AM)

*
It's mentioned something in the notes there.

Valid for selected Principal Credit Card /-i Cardmember only

BTW was thinking is it possible if I pay PTPTN with other bank card and BT over PBB?
Thinking to utilize the 20% discount full repayment.
SUSDavid83
post Nov 25 2018, 07:42 PM

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QUOTE(nickcct @ Nov 25 2018, 07:37 PM)
It's mentioned something in the notes there.

Valid for selected Principal Credit Card /-i Cardmember only

BTW was thinking is it possible if I pay PTPTN with other bank card and BT over PBB?
Thinking to utilize the 20% discount full repayment.
*
Of course you can.
And if you're the selected for the BT campaign.
nickcct
post Nov 25 2018, 07:44 PM

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QUOTE(David83 @ Nov 25 2018, 07:42 PM)
Of course you can.
And if you're the selected for the BT campaign.
*
Think no chance for me then, didn't receive any msg or email about this.
Probably i may take the BT plan with one time interest, as I looking for longer tenure BT.
fruitie
post Nov 25 2018, 08:20 PM

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QUOTE(nickcct @ Nov 25 2018, 07:44 PM)
Think no chance for me then, didn't receive any msg or email about this.
Probably i may take the BT plan with one time interest, as I looking for longer tenure BT.
*
Forummers have successfully applied BT 0% for 12 months even not selected. Check out BT thread.
starry
post Nov 25 2018, 08:25 PM

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QUOTE(nickcct @ Nov 25 2018, 07:44 PM)
Think no chance for me then, didn't receive any msg or email about this.
Probably i may take the BT plan with one time interest, as I looking for longer tenure BT.
*
You can still apply. I didn't receive msg or email either. I applied and it was approved.
besiegetank
post Nov 25 2018, 08:34 PM

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Is the credit limit for VS and quantum separate or combined? Mine shown both have different amount...

This post has been edited by besiegetank: Nov 25 2018, 08:34 PM
sms2u
post Nov 25 2018, 08:37 PM

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QUOTE(besiegetank @ Nov 25 2018, 08:34 PM)
Is the credit limit for VS and quantum separate or combined? Mine shown both have different amount...
*
it is sharing limit. Seems something weird. Only the limit is different happen if u have supplementary CC
besiegetank
post Nov 25 2018, 09:40 PM

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QUOTE(sms2u @ Nov 25 2018, 08:37 PM)
it is sharing limit. Seems something weird. Only the limit is different happen if u have supplementary CC
*
Thanks for the reply. I was confused by the available balance in PBe.
nickcct
post Nov 25 2018, 09:46 PM

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QUOTE(fruitie @ Nov 25 2018, 08:20 PM)
Forummers have successfully applied BT 0% for 12 months even not selected. Check out BT thread.
*
QUOTE(starry @ Nov 25 2018, 08:25 PM)
You can still apply. I didn't receive msg or email either. I applied and it was approved.
*
Wow. That’s a good news then.
derick8860
post Nov 25 2018, 11:06 PM

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Hi, anyone know anywhere can get Quantum cards on the spot if apply via FD pledge?
Sumofwhich
post Nov 26 2018, 12:42 AM

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Reloaded BP 8 times with tac received, only 4 successful ones, prolly need to call CS to check whether 8 or 4 transactions went through sad.gif
chezzcake2
post Nov 26 2018, 12:45 AM

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QUOTE(Sumofwhich @ Nov 26 2018, 12:42 AM)
Reloaded BP 8 times with tac received,  only 4 successful ones, prolly need to call CS to check whether 8 or 4 transactions went through sad.gif
*
u can always check your Available Balance / Authorised Charges in PBE to determine those transactions went through or not smile.gif

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This post has been edited by chezzcake2: Nov 26 2018, 12:48 AM
chezzcake2
post Nov 26 2018, 12:50 AM

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QUOTE(sms2u @ Nov 25 2018, 08:37 PM)
it is sharing limit. Seems something weird. Only the limit is different happen if u have supplementary CC
*
nope...mine is separate...weird sweat.gif
Sumofwhich
post Nov 26 2018, 12:53 AM

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QUOTE(chezzcake2 @ Nov 26 2018, 12:45 AM)
u can always check your Available Balance / Authorised Charges in PBE to determine those transactions went through or not  smile.gif

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*
Thanks. I called CS and he verified 8 went through. Too bad I didn't check one of the tacs properly, it was rm600 =.=
ronnie
post Nov 26 2018, 01:12 AM

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I've called the CS..it says only 6/8 BigPay reloads was approved.
Wondering if the "un-approved" transaction will be picked up later by BigPay ?
LostAndFound
post Nov 26 2018, 02:52 AM

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QUOTE(ronnie @ Nov 26 2018, 01:12 AM)
I've called the CS..it says only 6/8 BigPay reloads was approved.
Wondering if the "un-approved" transaction will be picked up later by BigPay ?
*
Doesn't cost much to do extra 2 transactions 'just in case'.
vin_ann
post Nov 26 2018, 06:14 AM

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Nice new thread !

No issue reload BP x 8 from 6:02am
tan_aniki
post Nov 26 2018, 06:35 AM

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i think it's better you guys don't reload in between 12am-6am to avoid OTP hiccup, play safe than stalling your money elsewhere with so many troublesome procedure etc
janson_kaniaz
post Nov 26 2018, 07:04 AM

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QUOTE(tan_aniki @ Nov 26 2018, 06:35 AM)
i think it's better you guys don't reload in between 12am-6am to avoid OTP hiccup, play safe than stalling your money elsewhere with so many troublesome procedure etc
*
If only they listen...

Smooth top up this morning before 7am.
ClarenceT
post Nov 26 2018, 07:07 AM

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QUOTE(derick8860 @ Nov 25 2018, 11:06 PM)
Hi, anyone know anywhere can get Quantum cards on the spot if apply via FD pledge?
*
None. PB don't have instant/quick approval, usually about 2 weeks.
SUSDavid83
post Nov 26 2018, 07:24 AM

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QUOTE(janson_kaniaz @ Nov 26 2018, 07:04 AM)
If only they listen...

Smooth top up this morning before 7am.
*
Because of scared of losing out, everybody is ambushing to get it done right after midnight.
Do note that it's getting very competitive, by 0930, the pool is expected to be exhausted.
TongCN
post Nov 26 2018, 07:45 AM

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Man, reload 14 times, but 10 times success -.-??

Error and timeout everywhere just now 7:10-7:25
janson_kaniaz
post Nov 26 2018, 07:56 AM

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QUOTE(TongCN @ Nov 26 2018, 07:45 AM)
Man, reload 14 times, but 10 times success -.-??

Error and timeout everywhere just now 7:10-7:25
*
Maybe that’s the peak time.
ronnie
post Nov 26 2018, 08:21 AM

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QUOTE(LostAndFound @ Nov 26 2018, 02:52 AM)
Doesn't cost much to do extra 2 transactions 'just in case'.
*
I was rather kiasu... so perform the additional 2 transactions this morning.
Instantly updated by BigPay rclxms.gif
vin_ann
post Nov 26 2018, 08:27 AM

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QUOTE(TongCN @ Nov 26 2018, 07:45 AM)
Man, reload 14 times, but 10 times success -.-??

Error and timeout everywhere just now 7:10-7:25
*
QUOTE(janson_kaniaz @ Nov 26 2018, 07:56 AM)
Maybe that’s the peak time.
*
Where majority wake up and before step out to work
ronnie
post Nov 26 2018, 08:40 AM

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I guess "reload" Peak Time would be
1. 12:00AM to 1:00AM
2. 07:00AM to 8:00AM
sulab
post Nov 26 2018, 08:58 AM

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Is it possible to increase my PB VS's credit limit by transferring some limit from my PB QMC card?

As an example: increase PB VS's credit limit (initially at X) to (X+2K) while at the same time reducing my PB QMC's credit limit (initially at Y) to (Y-2K)

Thanks for any replies
laymank
post Nov 26 2018, 09:01 AM

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QUOTE(sulab @ Nov 26 2018, 08:58 AM)
Is it possible to increase my PB VS's credit limit by transferring some limit from my PB QMC card?

As an example: increase PB VS's credit limit (initially at X) to (X+2K) while at the same time reducing my PB QMC's credit limit (initially at Y) to (Y-2K)

Thanks for any replies
*
In my case, the credit limit is combined. So, it doesn't work for me.
If yours are separate credit limit, then you can try to request.
peri peri
post Nov 26 2018, 09:08 AM

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no issue with my payment and otp, thx to my superior 5G wifi line
ronnie
post Nov 26 2018, 09:44 AM

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QUOTE(peri peri @ Nov 26 2018, 09:08 AM)
no issue with my payment and otp, thx to my superior 5G wifi line
*
Nothing to do with Internet speed la.... blush.gif tongue.gif
minthiam
post Nov 26 2018, 09:52 AM

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QUOTE(ronnie @ Nov 26 2018, 09:44 AM)
Nothing to do with Internet speed la....  blush.gif  tongue.gif
*
lol, he just wanna show off...btw i had no issues reloading around 7 AM too and i was on a lousy internet speed.
LostAndFound
post Nov 26 2018, 09:54 AM

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QUOTE(David83 @ Nov 26 2018, 07:24 AM)
Because of scared of losing out, everybody is ambushing to get it done right after midnight.
Do note that it's getting very competitive, by 0930, the pool is expected to be exhausted.
*
'everybody'.

But pool only finishes by 9.30.

bangwall.gif level of kiasuness assumes that everyone else just as kiasu.

Based on posting here maybe got a dozen people or so kiasu to do 12+ am. Counting other silent readers (let's say 5x as many, even 10x as many) that's 120 people, max.

30000/50 is 600.

I believe the cutoff time will never go before 7am, because would need 600 principle card holders to be that kiasu.
janson_kaniaz
post Nov 26 2018, 09:56 AM

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QUOTE(ronnie @ Nov 26 2018, 08:40 AM)
I guess "reload" Peak Time would be
1. 12:00AM to 1:00AM
2. 07:00AM to 8:00AM
*
I'm guessing the "actual" peak time is right after 12am and closer to 8am.
SUSDavid83
post Nov 26 2018, 09:56 AM

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QUOTE(LostAndFound @ Nov 26 2018, 09:54 AM)
'everybody'.

But pool only finishes by 9.30.

bangwall.gif level of kiasuness assumes that everyone else just as kiasu.

Based on posting here maybe got a dozen people or so kiasu to do 12+ am. Counting other silent readers (let's say 5x as many, even 10x as many) that's 120 people, max.

30000/50 is 600.

I believe the cutoff time will never go before 7am, because would need 600 principle card holders to be that kiasu.
*
Well, I didn't get my WK16.
So I don't intend to participate anymore.
The stage is all for you guys!
ClarenceT
post Nov 26 2018, 10:05 AM

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QUOTE(sulab @ Nov 26 2018, 08:58 AM)
Is it possible to increase my PB VS's credit limit by transferring some limit from my PB QMC card?

As an example: increase PB VS's credit limit (initially at X) to (X+2K) while at the same time reducing my PB QMC's credit limit (initially at Y) to (Y-2K)

Thanks for any replies
*
Are you using PIB VS or PIB QMC issued by PUBLIC ISLAMIC BANK BERHAD? (None of us could get PIB VS/QMC)

If both of your VS and QMC are issued by PUBLIC BANK BERHAD, then you get a COMBINED limit from PBB. You are confused as the CL for VS and QMC are different. Check your CCRIS or CC statement, it will tell that you get a combined CL.

Assume your QMC - CL RM20,000, and VS - CL RM30,000
Your combined CL is RM30k, you can use QMC+VS max RM30k (Not RM50k) but QMC max RM20k (Then VS up to RM10k only).
You can request to revise your QMC's CL from RM20k to RM30k, and your combined CL is still at RM30k and your VS's CL is still at RM30k.
You cannot increase your combined CL and your VS's CL to RM32k if you reduce your CL for QMC to RM18k.
ClarenceT
post Nov 26 2018, 10:17 AM

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QUOTE(LostAndFound @ Nov 26 2018, 09:54 AM)
'everybody'.

But pool only finishes by 9.30.

bangwall.gif level of kiasuness assumes that everyone else just as kiasu.

Based on posting here maybe got a dozen people or so kiasu to do 12+ am. Counting other silent readers (let's say 5x as many, even 10x as many) that's 120 people, max.

30000/50 is 600.

I believe the cutoff time will never go before 7am, because would need 600 principle card holders to be that kiasu.
*
Only 4 weeks left... I will give up some of the final weeks... Time for good sleep and holiday...
cclim2011
post Nov 26 2018, 10:25 AM

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QUOTE(Sumofwhich @ Nov 26 2018, 12:42 AM)
Reloaded BP 8 times with tac received,  only 4 successful ones, prolly need to call CS to check whether 8 or 4 transactions went through sad.gif
*
For my case, once key'ed in TAC means successful, don't care what page is loaded after that (the top-up amount will added on after 1-5 minute).
I have been doing that since week 5 or so, no issue.
Edward12399
post Nov 26 2018, 10:30 AM

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QUOTE(cclim2011 @ Nov 26 2018, 10:25 AM)
For my case, once key'ed in TAC means successful, don't care what page is loaded after that (the top-up amount will added on after 1-5 minute).
I have been doing that since week 5 or so, no issue.
*
Yup, a little time lag.. but will update in 1-2min. also experience the same.
ronnie
post Nov 26 2018, 10:36 AM

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QUOTE(cclim2011 @ Nov 26 2018, 10:25 AM)
For my case, once key'ed in TAC means successful, don't care what page is loaded after that (the top-up amount will added on after 1-5 minute).
I have been doing that since week 5 or so, no issue.
*
My first reload receuve the OTP and entered...but BP didn't show even after 2:00AM ...at 6:30AM..also didn't show.
Called PBB CS at 2AM and told me the transaction was not approved sad.gif
wilson1149
post Nov 26 2018, 11:21 AM

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Done 3x this week. lazy to chase liao... OTP keep jam. bangwall.gif

This post has been edited by wilson1149: Nov 26 2018, 11:22 AM
cclim2011
post Nov 26 2018, 11:31 AM

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QUOTE(ronnie @ Nov 26 2018, 10:36 AM)
My first reload receuve the OTP and entered...but BP didn't show even after 2:00AM ...at 6:30AM..also didn't show.
Called PBB CS at 2AM and told me the transaction was not approved sad.gif
*
Wah I have not experienced that. Hopefully not happening to me in the rest few weeks. So far every transaction that I managed to key in otp was succesful regardless the page it loads after that.
cclim2011
post Nov 26 2018, 11:34 AM

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QUOTE(ClarenceT @ Nov 26 2018, 10:17 AM)
Only 4 weeks left... I will give up some of the final weeks... Time for good sleep and holiday...
*
I think it just fit into the personal life. Some ppl can't sleep before 12am and can't wake up early before 8am lol
sulab
post Nov 26 2018, 11:38 AM

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QUOTE(ClarenceT @ Nov 26 2018, 10:05 AM)
Are you using PIB VS or PIB QMC issued by PUBLIC ISLAMIC BANK BERHAD? (None of us could get PIB VS/QMC)

If both of your VS and QMC are issued by PUBLIC BANK BERHAD, then you get a COMBINED limit from PBB. You are confused as the CL for VS and QMC are different. Check your CCRIS or CC statement, it will tell that you get a combined CL.

Assume your QMC - CL RM20,000, and VS - CL RM30,000
Your combined CL is RM30k, you can use QMC+VS max RM30k (Not RM50k) but QMC max RM20k (Then VS up to RM10k only).
You can request to revise your QMC's CL from RM20k to RM30k, and your combined CL is still at RM30k and your VS's CL is still at RM30k.
You cannot increase your combined CL and your VS's CL to RM32k if you reduce your CL for QMC to RM18k.
*
I am using CC issued by PUBLIC BANK BERHAD. So, I guess it is a COMBINED limit then like you said sad.gif
I got confused by the way the CL shown in Pbe. I thought it’s separate CL.

Was planning to increase little bit of PB VS’s CL to apply BT for PTPTN settlement. With current CL, BT’s amount would be around 85% CL sad.gif sad.gif . I guess it can’t be done then.

Thank you for your kind replies forummers rclxms.gif
ayamback
post Nov 26 2018, 11:43 AM

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QUOTE
Quantum Visa Only
Departmental [MCC: 5311]
• AEON Departmental - 1 Utama / Mid Valley / Cheras Selatan / Bandaraya Melaka / Seremban 2 / Bukit Mertajam Penang / AEON Taman Maluri
• BVO - Design Village Penang
• Daiso by AEON - 1 Utama (AEON LG - Old Wing)
• Isetan - Mid Valley / Lot 10 / 1 Utama
• Isetan Eat Paradise - 1 Utama
• Isetan Food Market - Suria KLCC / Lot 10
• Medan Department Store - Medan Mall Sibu
• Metrojaya - Plaza Pelangi JB / Mid Valley
• Parkson - 1 Utama / Seremban Prima / Selayang Mall / Alamanda Putrajaya / Nu Sentral / MyTOWN KL / Pavilion KL / Sungei Wang
• Robinsons - The Gardens
• Sogo - Jalan Tunku Abdul Rahman KL
• Tangs - 1 Utama
• Tmall (天猫)
• The Store - Sungai Buloh
• Watsons - Sunway Velocity / Tesco Bukit Mertajam / Pearl City Mall / MyTOWN KL / Nu Sentral


For AEON departmental - anyone knows if purchasing AEON vouchers qualify for cashback?
cybpsych
post Nov 26 2018, 11:44 AM

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QUOTE(sulab @ Nov 26 2018, 11:38 AM)
I am using CC issued by PUBLIC BANK BERHAD. So, I guess it is a COMBINED limit then like you said  sad.gif
I got confused by the way the CL shown in Pbe. I thought it’s separate CL.

Was planning to increase little bit of PB VS’s CL to apply BT for PTPTN settlement. With current CL, BT’s amount would be around 85% CL  sad.gif  sad.gif  . I guess it can’t be done then.

Thank you for your kind replies forummers  rclxms.gif
*
overall cl is combined.

however, different/lower card have its own sub-CL too, which is why it seems "separate" CL to you if the amount looks different.
SUSDavid83
post Nov 26 2018, 11:51 AM

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QUOTE(ayamback @ Nov 26 2018, 11:43 AM)
For AEON departmental - anyone knows if purchasing AEON vouchers qualify for cashback?
*
Yes. Provided you get it from CS counter at departmental store section.

MGM
post Nov 26 2018, 12:06 PM

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QUOTE(ayamback @ Nov 26 2018, 11:43 AM)
For AEON departmental - anyone knows if purchasing AEON vouchers qualify for cashback?
*
Yes as most under Dept Store but a couple under grocery.
cybpsych
post Nov 26 2018, 12:20 PM

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PB Privileges @ Miniso [ PBB | T&Cs ]

user posted image
LostAndFound
post Nov 26 2018, 12:23 PM

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QUOTE(ClarenceT @ Nov 26 2018, 10:17 AM)
Only 4 weeks left... I will give up some of the final weeks... Time for good sleep and holiday...
*
QUOTE(wilson1149 @ Nov 26 2018, 11:21 AM)
Done 3x this week. lazy to chase liao... OTP keep jam.  bangwall.gif
*
rclxms.gif

I've never had problems, and my reload times vary a lot. Done 12+am, done 4am, done 6am, done 7am, done 8am, done 9am. Am surprised got people give up (surely Monday working day you'll wake up early?).
iamshf
post Nov 26 2018, 03:07 PM

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QUOTE(sulab @ Nov 26 2018, 11:38 AM)
I am using CC issued by PUBLIC BANK BERHAD. So, I guess it is a COMBINED limit then like you said  sad.gif
I got confused by the way the CL shown in Pbe. I thought it’s separate CL.

Was planning to increase little bit of PB VS’s CL to apply BT for PTPTN settlement. With current CL, BT’s amount would be around 85% CL  sad.gif  sad.gif  . I guess it can’t be done then.

Thank you for your kind replies forummers  rclxms.gif
*
I have the same question
Both also same limit .. Say 30k
I can see VS vailable balance left only 5k but my QMC available balance still 90% i.e. 27k

It's looks like separate credit limit
ClarenceT
post Nov 26 2018, 03:10 PM

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QUOTE(iamshf @ Nov 26 2018, 03:07 PM)
I have the same question
Both also same limit .. Say 30k
I can see VS vailable balance left only 5k but my QMC available balance still 90% i.e. 27k

It's looks like separate credit limit
*
Don't believe in what you see in PbE. You try then you know if they are separate CLs. smile.gif
beLIEve
post Nov 26 2018, 03:21 PM

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I think if have the eccris, check from there? there should be a total credit limit given by each bank.
cybpsych
post Nov 26 2018, 03:32 PM

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PB Visa Privileges @ Get Protected When Shop on Shopee [ PBB | T&Cs ]

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joel86
post Nov 26 2018, 03:37 PM

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Hi all,just wonder for klook website purchase is it entitle cash back?
cybpsych
post Nov 26 2018, 03:40 PM

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QUOTE(joel86 @ Nov 26 2018, 03:37 PM)
Hi all,just wonder for klook website purchase is it entitle cash back?
*
what does post #4 says?
joel86
post Nov 26 2018, 04:34 PM

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QUOTE(cybpsych @ Nov 26 2018, 03:40 PM)
what does post #4 says?
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Only klook app entitle cash back?
cybpsych
post Nov 26 2018, 04:40 PM

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QUOTE(joel86 @ Nov 26 2018, 04:34 PM)
Only klook app entitle cash back?
*
tested and reported.

if no reports for klook web, you can try yourself and share with us the cashback results later.
TSDarReNz
post Nov 26 2018, 07:37 PM

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QUOTE(joel86 @ Nov 26 2018, 04:34 PM)
Only klook app entitle cash back?
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QUOTE(cybpsych @ Nov 26 2018, 04:40 PM)
tested and reported.

if no reports for klook web, you can try yourself and share with us the cashback results later.
*
actually it is my plan to use VS on the klook web, but right now some issue with the promo code. will let you all know how it goes sweat.gif
iamshf
post Nov 26 2018, 07:55 PM

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QUOTE(ClarenceT @ Nov 26 2018, 03:10 PM)
Don't believe in what you see in PbE. You try then you know if they are separate CLs. smile.gif
*
QUOTE(beLIEve @ Nov 26 2018, 03:21 PM)
I think if have the eccris, check from there? there should be a total credit limit given by each bank.
*
Checked e-CCRIS follow by a call to PBB CS
confirmed is combined limit, CS told me I have to calculate manually to get the total available balance.
wilson1149
post Nov 26 2018, 08:22 PM

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How can i link my supp cards to my PBE?

Error Code : (.008.2B.1809317718)
Transaction Unsuccessful.
This transaction involves an invalid account.

Our Operating Hours are 12:15 a.m. - 12 midnight.
Please call our Customer Service Representative at 603-2179 9999 if you require further information.
cybpsych
post Nov 26 2018, 09:28 PM

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QUOTE(wilson1149 @ Nov 26 2018, 08:22 PM)
How can i link my supp cards to my PBE?

Error Code : (.008.2B.1809317718)
Transaction Unsuccessful.
This transaction involves an invalid account.

Our Operating Hours are 12:15 a.m. - 12 midnight.
Please call our Customer Service Representative at 603-2179 9999 if you require further information.
*
combined or separate statement?
mrsmytb
post Nov 26 2018, 09:40 PM

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Hi there, need your assistance.

Which is the best credit card for public bank ya?

user posted image

I already have Maybank 2 Cards. Which is Public Bank got similar product like Maybank 2 Cards?

This post has been edited by mrsmytb: Nov 26 2018, 09:41 PM
cybpsych
post Nov 26 2018, 09:41 PM

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QUOTE(mrsmytb @ Nov 26 2018, 09:40 PM)
Hi there, need your assistance.

Which is the best credit card for public bank ya?

user posted image
*
read post #2 and #3

This post has been edited by cybpsych: Nov 26 2018, 09:41 PM
mrsmytb
post Nov 26 2018, 09:49 PM

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QUOTE(cybpsych @ Nov 26 2018, 09:41 PM)
read post #2 and #3
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PB Visa Signature & PB Quantum?
SUSDavid83
post Nov 26 2018, 09:51 PM

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QUOTE(mrsmytb @ Nov 26 2018, 09:49 PM)
PB Visa Signature & PB Quantum?
*
PBB doesn't have a card that fits all like MBB2 AMEX.

cybpsych
post Nov 26 2018, 09:54 PM

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QUOTE(mrsmytb @ Nov 26 2018, 09:49 PM)
PB Visa Signature & PB Quantum?
*
for PBB, yes

since we don't know what u want, head over here >> https://forum.lowyat.net/topic/4161836 , use template in post #2, and perhaps someone can further recommend other cards that suits your speeding needs.
sj0217
post Nov 26 2018, 11:08 PM

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QUOTE(ClarenceT @ Nov 26 2018, 10:17 AM)
Only 4 weeks left... I will give up some of the final weeks... Time for good sleep and holiday...
*
Since left 4 weeks, should continue to support until last week of the month haha...

Was reloaded BigPay on 6.00am and received 8 sms smoothly smile.gif
alexwsk
post Nov 26 2018, 11:45 PM

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QUOTE(sj0217 @ Nov 26 2018, 11:08 PM)
Since left 4 weeks, should continue to support until last week of the month haha...

Was reloaded BigPay on 6.00am and received 8 sms smoothly smile.gif
*
and then PBB extends it again rolleyes.gif laugh.gif
michaelho
post Nov 27 2018, 01:36 AM

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QUOTE(alexwsk @ Nov 26 2018, 11:45 PM)
and then PBB extends it again  rolleyes.gif  laugh.gif
*
I guess, it has been back-to-back since I dont know when... not complaining though. Free money rclxms.gif





ClarenceT
post Nov 27 2018, 06:50 AM

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QUOTE(alexwsk @ Nov 26 2018, 11:45 PM)
and then PBB extends it again  rolleyes.gif  laugh.gif
*
PBB never extends. They will come out a new spending requirements, no longer 8xRM60 to get RM50.
coolguy99
post Nov 27 2018, 08:51 AM

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QUOTE(alexwsk @ Nov 26 2018, 11:45 PM)
and then PBB extends it again  rolleyes.gif  laugh.gif
*
Doubt that they will extend as this big pay reload kinda defeats the purpose of having the campaign.
MGM
post Nov 27 2018, 09:01 AM

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QUOTE(coolguy99 @ Nov 27 2018, 08:51 AM)
Doubt that they will extend as this big pay reload kinda defeats the purpose of having the campaign.
*
I think likewise. Probably 99.99% winners reloading BP. Those who didnt sure to make complaints. TQ PBB for so generous over the years, CB, 0% BT. thumbup.gif
!@#$%^
post Nov 27 2018, 09:01 AM

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QUOTE(coolguy99 @ Nov 27 2018, 08:51 AM)
Doubt that they will extend as this big pay reload kinda defeats the purpose of having the campaign.
*
if the purpose is to get users to spend on their cc, then I believe it's a success.
coolguy99
post Nov 27 2018, 09:52 AM

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QUOTE(alexanderclz @ Nov 27 2018, 09:01 AM)
if the purpose is to get users to spend on their cc, then I believe it's a success.
*
Yes but I also think that it is to get them to spend throughout the week. If most of the cc users know that the cash back will deplete on Monday, there will not be anymore spending for the rest of the week. So for this point alone the campaign isn't a success as their aim is to promote spending throughout the week on different retailers.
tan_aniki
post Nov 27 2018, 10:15 AM

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QUOTE(coolguy99 @ Nov 27 2018, 08:51 AM)
Doubt that they will extend as this big pay reload kinda defeats the purpose of having the campaign.
*
You think they didn't notice and having this campaign paying out 30k every week to users who reloading BP but at the end more than 1000 users reloading BP with RM480 X 1000 + another 10000 users on others expenses, that's a sales value of 5.28mil per week. even if they charge 1% on each merchant they also earn more than 50k per week. so you think who is the winner?
vin_ann
post Nov 27 2018, 10:15 AM

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QUOTE(MGM @ Nov 27 2018, 09:01 AM)
I think likewise. Probably 99.99% winners reloading BP. Those who didnt sure to make complaints. TQ PBB for so generous over the years, CB, 0% BT. thumbup.gif
*
This what make us continue to stay with PBB
Retention is important

when no more similar campaign, CC users may just cancel to avoid SST charge
coolguy99
post Nov 27 2018, 10:18 AM

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QUOTE(tan_aniki @ Nov 27 2018, 10:15 AM)
You think they didn't notice and having this campaign paying out 30k every week to users who reloading BP but at the end more than 1000 users reloading BP with RM480 X 1000 + another 10000 users on others expenses, that's a sales value of 5.28mil per week. even if they charge 1% on each merchant they also earn more than 50k per week. so you think who is the winner?
*
They could have earned a lot more if the cash back pool doesn't deplete so quickly and people keep spending throughout the week, hoping to get a share of the cash back pool. That scenario that you have just mentioned isn't the best case scenario.
ClarenceT
post Nov 27 2018, 10:27 AM

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QUOTE(tan_aniki @ Nov 27 2018, 10:15 AM)
You think they didn't notice and having this campaign paying out 30k every week to users who reloading BP but at the end more than 1000 users reloading BP with RM480 X 1000 + another 10000 users on others expenses, that's a sales value of 5.28mil per week. even if they charge 1% on each merchant they also earn more than 50k per week. so you think who is the winner?
*
QUOTE(coolguy99 @ Nov 27 2018, 10:18 AM)
They could have earned a lot more if the cash back pool doesn't deplete so quickly and people keep spending throughout the week, hoping to get a share of the cash back pool. That scenario that you have just mentioned isn't the best case scenario.
*
Without the Bigpay, I could do shopping on Monday evening using 2nd and 3rd principal card account, Most of the transactions not on 5%-6% CB categories.
LostAndFound
post Nov 27 2018, 10:34 AM

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QUOTE(coolguy99 @ Nov 27 2018, 10:18 AM)
They could have earned a lot more if the cash back pool doesn't deplete so quickly and people keep spending throughout the week, hoping to get a share of the cash back pool. That scenario that you have just mentioned isn't the best case scenario.
*
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.
voncrane
post Nov 27 2018, 10:38 AM

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Posting in New thread to keep track once more..
propusers
post Nov 27 2018, 10:47 AM

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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.
coolguy99
post Nov 27 2018, 10:50 AM

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QUOTE(propusers @ Nov 27 2018, 10:47 AM)
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.
cybpsych
post Nov 27 2018, 10:55 AM

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QUOTE(propusers @ Nov 27 2018, 10:47 AM)
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.
*
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.
SUSDavid83
post Nov 27 2018, 10:55 AM

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QUOTE(propusers @ Nov 27 2018, 10:47 AM)
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.
*
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
tan_aniki
post Nov 27 2018, 11:02 AM

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QUOTE(propusers @ Nov 27 2018, 10:47 AM)
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.
*
Just reload QMC into BP and spend on anything with 5% CB
ClarenceT
post Nov 27 2018, 11:41 AM

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QUOTE(propusers @ Nov 27 2018, 10:47 AM)
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.
*
Most likely No for PB QV.
Most likely Yes for RHB VS.
MGM
post Nov 27 2018, 12:28 PM

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QUOTE(cybpsych @ Nov 27 2018, 10:55 AM)
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.
*
There was 1 Chinese medicine megashop that was classified as Dept store in PJ but it has moved.
MGM
post Nov 27 2018, 12:28 PM

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QUOTE(cybpsych @ Nov 27 2018, 10:55 AM)
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.
*
There was 1 Chinese medicine megashop that was classified as Dept store in PJ but it has moved.
cybpsych
post Nov 27 2018, 12:40 PM

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QUOTE(MGM @ Nov 27 2018, 12:28 PM)
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.
SUSDavid83
post Nov 27 2018, 01:42 PM

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QUOTE(sweetpea123 @ Nov 27 2018, 01:41 PM)
just a lil bit curious, why arent some getting a BIGPAY instead of wondering which outlet has rebate etc? After all BP is FREE
*
Not everybody likes Prepaid Card!
I don't like the idea at all!
There're so many e-wallets to maintain!
sweetpea123
post Nov 27 2018, 01:51 PM

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QUOTE(David83 @ Nov 27 2018, 01:42 PM)
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
derick8860
post Nov 27 2018, 01:56 PM

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QUOTE(ClarenceT @ Nov 26 2018, 07:07 AM)
None. PB don't have instant/quick approval, usually about 2 weeks.
*
thanks for the info! thumbup.gif
cybpsych
post Nov 27 2018, 01:57 PM

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QUOTE(sweetpea123 @ Nov 27 2018, 01:51 PM)
Fair enough, but getting at least 5% off EVERYTHING including insurance premiums and college fees is just too good to ignore
*
not everyone's spending is the same though, and some just ok with the current cc without reliance to BP biggrin.gif
beLIEve
post Nov 27 2018, 02:04 PM

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QUOTE(sweetpea123 @ Nov 27 2018, 01:41 PM)
just a lil bit curious, why arent some getting a BIGPAY instead of wondering which outlet has rebate etc? After all BP is FREE
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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.
!@#$%^
post Nov 27 2018, 02:58 PM

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QUOTE(sweetpea123 @ Nov 27 2018, 01:51 PM)
Fair enough, but getting at least 5% off EVERYTHING including insurance premiums and college fees is just too good to ignore
*
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.
jiaen0509
post Nov 27 2018, 03:05 PM

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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?
beLIEve
post Nov 27 2018, 03:06 PM

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QUOTE(jiaen0509 @ Nov 27 2018, 03:05 PM)
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
tan_aniki
post Nov 27 2018, 03:20 PM

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QUOTE(jiaen0509 @ Nov 27 2018, 03:05 PM)
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?
*
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.
ClarenceT
post Nov 27 2018, 03:34 PM

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QUOTE(jiaen0509 @ Nov 27 2018, 03:05 PM)
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?
*
If I am not wrong, early settlement charge RM100 apply.
Don't assume you can simply cancel a CC and transfer the outstanding balance to another PB CC, and without charge, not always like Maybank CCs!
dragonteoh
post Nov 27 2018, 03:40 PM

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is public bank now allow to apply only Quantum MasterCard ?

i'm previously was Quantum Visa & Mastercard holder. Too bad i make wrong decision to terminate both card due to SST.

Now was planning to re-apply back , but i want the MasterCard only.
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post Nov 27 2018, 03:46 PM

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QUOTE(dragonteoh @ Nov 27 2018, 03:40 PM)
is public bank now allow to apply only Quantum MasterCard ?

i'm previously was Quantum Visa & Mastercard holder.  Too bad i make wrong decision to terminate both card due to SST.

Now was planning to re-apply back , but i want the MasterCard only.
*
Yes.
Please indicate in the application form.
tan_aniki
post Nov 27 2018, 03:56 PM

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QUOTE(ClarenceT @ Nov 27 2018, 03:34 PM)
If I am not wrong, early settlement charge RM100 apply.
Don't assume you can simply cancel a CC and transfer the outstanding balance to another PB CC, and without charge, not always like Maybank CCs!
*
smart people won't cancel the card just to transfer the installment to another bank, just BT from another bank and keep the money in the credit card and slowly pay off month over month till the end of the tenure without paying the RM100, just need to pay the SST lo, unless the tenure is more than 4 years
ClarenceT
post Nov 27 2018, 04:43 PM

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QUOTE(tan_aniki @ Nov 27 2018, 03:56 PM)
smart people won't cancel the card just to transfer the installment to another bank, just BT from another bank and keep the money in the credit card and slowly pay off month over month till the end of the tenure without paying the RM100, just need to pay the SST lo, unless the tenure is more than 4 years
*
RM3k @ 12 months BT -> savings/earning less than RM50, but early settlement penalty is RM100. Worth it?
Not like those BT >RM10k (including you) gain a lot in the first few months enough to contra the potential loss, so they don't really feel hurt if exit.

jiaen0509
post Nov 27 2018, 05:24 PM

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QUOTE(beLIEve @ Nov 27 2018, 03:06 PM)
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.
*
QUOTE(tan_aniki @ Nov 27 2018, 03:20 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.
*
QUOTE(ClarenceT @ Nov 27 2018, 03:34 PM)
If I am not wrong, early settlement charge RM100 apply.
Don't assume you can simply cancel a CC and transfer the outstanding balance to another PB CC, and without charge, not always like Maybank CCs!
*
Thank you all. Finally I understand the BT concept.
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post Nov 27 2018, 05:54 PM

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Today, I found a very weird issue, I have not manage to pay fully for a month but the interest charges of 15% shock me as roughly I am outstanding around RM500 but the interest is RM90++. This is the response that I have from them:

We would like to inform that your payment for October 2018 statement's outstanding balance was not in full resulted all new transactions to be calculated for finance charge starting from the posting date of the transaction.

This basically means on 5 Nov, I settle partial of my outstanding to min payment to outstanding balance RM500 bringing forward for next statement, to my shock my new spending for the next billing of RM9K with the balance of RM500 is charge together with the 15% interest.

I am just curious is this the way interest been charge actually.

This post has been edited by stevenkkh: Nov 27 2018, 05:54 PM
toysRash
post Nov 27 2018, 06:06 PM

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sorry if this is repeating question...

i just received my 1st statement for my pb petron cc...
inside already charged with service tax sst rm25...

anybody successfully got waiver for this sst from cs?
rapple
post Nov 27 2018, 06:10 PM

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QUOTE(stevenkkh @ Nov 27 2018, 05:54 PM)
Today, I found a very weird issue, I have not manage to pay fully for a month but the interest charges of 15% shock me as roughly I am outstanding around RM500 but the interest is RM90++. This is the response that I have from them:

We would like to inform that your payment for October 2018 statement's outstanding balance was not in full resulted all new transactions to be calculated for finance charge starting from the posting date of the transaction.

This basically means on 5 Nov, I settle partial of my outstanding to min payment to outstanding balance RM500 bringing forward for next statement, to my shock my new spending for the next billing of RM9K with the balance of RM500 is charge together with the 15% interest.

I am just curious is this the way interest been charge actually.
*
Yes. Thats why never only pay minimum. Always pay statement balance in full.
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post Nov 27 2018, 06:24 PM

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QUOTE(rapple @ Nov 27 2018, 06:10 PM)
Yes. Thats why never only pay minimum. Always pay statement balance in full.
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Yes, I just regret why I did not pay fully for the mere outstanding of RM500 as I thought the RM500 will be charge 15% interest only but not the new spending for the month.

This is something new which basically means to me if ever there is outstanding for me, I will not spend anymore new transaction if I have not pay in full for previous month.
Tigerr
post Nov 27 2018, 06:34 PM

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QUOTE(stevenkkh @ Nov 27 2018, 06:24 PM)
Yes, I just regret why I did not pay fully for the mere outstanding of RM500 as I thought the RM500 will be charge 15% interest only but not the new spending for the month.

This is something new which basically means to me if ever there is outstanding for me, I will not spend anymore new transaction if I have not pay in full for previous month.
*
This is not something new. It has been ages n it stated in your statement. Just that you didnt read it. tongue.gif
cybpsych
post Nov 27 2018, 06:39 PM

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QUOTE(stevenkkh @ Nov 27 2018, 05:54 PM)
Today, I found a very weird issue, I have not manage to pay fully for a month but the interest charges of 15% shock me as roughly I am outstanding around RM500 but the interest is RM90++. This is the response that I have from them:

We would like to inform that your payment for October 2018 statement's outstanding balance was not in full resulted all new transactions to be calculated for finance charge starting from the posting date of the transaction.

This basically means on 5 Nov, I settle partial of my outstanding to min payment to outstanding balance RM500 bringing forward for next statement, to my shock my new spending for the next billing of RM9K with the balance of RM500 is charge together with the 15% interest.

I am just curious is this the way interest been charge actually.
*
iinm, that's how it's being calculated, not just outstanding amount but all new transactions. u literally lose the interest-free benefit.

I see many have this perception and goes into the trap.

thanks for sharing.
hafizhans
post Nov 27 2018, 09:09 PM

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QUOTE(cybpsych @ Nov 27 2018, 06:39 PM)
iinm, that's how it's being calculated, not just outstanding amount but all new transactions. u literally lose the interest-free benefit.

I see many have this perception and goes into the trap.

thanks for sharing.
*
i see.
i was just about to ask the same thing.
i accidentally pay less rm10 last statement n shocking to see got financial charge rm1.85 for a mere rm10.
is other bank basically the same?
coolguy99
post Nov 27 2018, 09:21 PM

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QUOTE(toysRash @ Nov 27 2018, 06:06 PM)
sorry if this is repeating question...

i just received my 1st statement for my pb petron cc...
inside already charged with service tax sst rm25...

anybody successfully got waiver for this sst from cs?
*
Nope at least nothing was reported by users in this forum. Just pay up the SST if you are going to utilize the card fully.
!@#$%^
post Nov 27 2018, 09:24 PM

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QUOTE(hafizhans @ Nov 27 2018, 09:09 PM)
i see.
i was just about to ask the same thing.
i accidentally pay less rm10 last statement n shocking to see got financial charge rm1.85 for a mere rm10.
is other bank basically the same?
*
yes, it's the same for all banks. if you don't pay in full, any outstanding (including new transactions) will be charged interest on daily basis as well. correct me if i'm wrong.
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post Nov 27 2018, 09:31 PM

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QUOTE(hafizhans @ Nov 27 2018, 09:09 PM)
i see.
i was just about to ask the same thing.
i accidentally pay less rm10 last statement n shocking to see got financial charge rm1.85 for a mere rm10.
is other bank basically the same?
*
The financial charge is mainly due to the new transactions, not only the underpaid amount. You pay a few sen less you will kena as well, not like the previous scheme (before 2007).
wilson1149
post Nov 28 2018, 09:18 AM

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QUOTE(cybpsych @ Nov 26 2018, 09:28 PM)
combined or separate statement?
*
separate statement bro
fruitie
post Nov 28 2018, 09:44 AM

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I'm confused a bit, maybe early morning still can't think straight yet. laugh.gif

If statement date is 3rd every month, my new cash back cycle starts on 3rd or 4th? If any transactions transacted and posted on 3rd will still include in this month's statement or following month? biggrin.gif
cybpsych
post Nov 28 2018, 09:51 AM

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QUOTE(fruitie @ Nov 28 2018, 09:44 AM)
I'm confused a bit, maybe early morning still can't think straight yet. laugh.gif

If statement date is 3rd every month, my new cash back cycle starts on 3rd or 4th? If any transactions transacted and posted on 3rd will still include in this month's statement or following month? biggrin.gif
*
4th

posting on 3rd still counted for current cycle's cb.

if u know the merchant's posting is T+1, you can swipe on the 3rd and it'll be counted for next cycle instead.


QUOTE(wilson1149 @ Nov 28 2018, 09:18 AM)
separate statement bro
*
you cant link to your pbe. the supp cardholder need to have his/her own PBe to view the supp card (imo, it's better. just open BSA, without fee, and put min rm20 holding balance).

iirc, someone somehow can link supp card (separate statement) to his/her own pbe, not sure how this is done, but so far with my few supp cards, not able to do so.

This post has been edited by cybpsych: Nov 28 2018, 09:54 AM
tan_aniki
post Nov 28 2018, 09:52 AM

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QUOTE(fruitie @ Nov 28 2018, 09:44 AM)
I'm confused a bit, maybe early morning still can't think straight yet. laugh.gif

If statement date is 3rd every month, my new cash back cycle starts on 3rd or 4th? If any transactions transacted and posted on 3rd will still include in this month's statement or following month? biggrin.gif
*
it doesn't matter 3rd or 4th or even 2nd if the transaction is not posted in your previous month statement, they will calculate whatever posted in your current month statement.
fruitie
post Nov 28 2018, 10:05 AM

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QUOTE(cybpsych @ Nov 28 2018, 09:51 AM)
4th

posting on 3rd still counted for current cycle's cb.

if u know the merchant's posting is T+1, you can swipe on the 3rd and it'll be counted for next cycle instead.
you cant link to your pbe. the supp cardholder need to have his/her own PBe to view the supp card (imo, it's better. just open BSA, without fee, and put min rm20 holding balance).

iirc, someone somehow can link supp card (separate statement) to his/her own pbe, not sure how this is done, but so far with my few supp cards, not able to do so.
*
Thanks. Clear now.

Talking about supplementary cards (separate statement), assuming if I don't want to register any PBe account for them, I can still put my email address so that I can receive the monthly statement right? I plan to get a supplementary card for my mum and haven't found time to do it. I will do it during my 3 weeks plus break next month.

QUOTE(tan_aniki @ Nov 28 2018, 09:52 AM)
it doesn't matter 3rd or 4th or even 2nd if the transaction is not posted in your previous month statement, they will calculate whatever posted in your current month statement.
*
I understand about this.
cybpsych
post Nov 28 2018, 10:09 AM

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QUOTE(fruitie @ Nov 28 2018, 10:05 AM)
Thanks. Clear now.

Talking about supplementary cards (separate statement), assuming if I don't want to register any PBe account for them, I can still put my email address so that I can receive the monthly statement right? I plan to get a supplementary card for my mum and haven't found time to do it. I will do it during my 3 weeks plus break next month.
*
yes you can, email and mobile number can be yours. easy to maintain and get sms otp. thumbup.gif
fruitie
post Nov 28 2018, 10:14 AM

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QUOTE(cybpsych @ Nov 28 2018, 10:09 AM)
yes you can, email and mobile number can be yours. easy to maintain and get sms otp.  thumbup.gif
*
Alright, cool. Thanks for the tips! thumbup.gif
stevenkkh
post Nov 28 2018, 10:31 AM

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QUOTE(Tigerr @ Nov 27 2018, 06:34 PM)
This is not something new. It has been ages n it stated in your statement. Just that you didnt read it. tongue.gif
*
Yes, learn my lesson, will pay in full from now, need to earn back more cashback to cover back the interest sad.gif
putra23
post Nov 28 2018, 02:04 PM

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QUOTE(hafizhans @ Nov 27 2018, 09:09 PM)
i see.
i was just about to ask the same thing.
i accidentally pay less rm10 last statement n shocking to see got financial charge rm1.85 for a mere rm10.
is other bank basically the same?
*
About the same for other banks. Actually the interest is charged for all transactions in that billing cycle. Means no interest free period from statement date till due date for all transactions once payment is not in full.

I kena once...
peri peri
post Nov 28 2018, 04:07 PM

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QUOTE(ronnie @ Nov 26 2018, 09:44 AM)
Nothing to do with Internet speed la....  blush.gif  tongue.gif
*
yah meh? big pay no need online to prompt bank for payment? hmm.gif

i found out my maxis 5g response faster than my celcom at that moment
Braxton
post Nov 28 2018, 04:59 PM

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cybpsych
post Nov 28 2018, 05:01 PM

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// 28 NOV 28 NOV SPEND NOW 4 MORE - WK17 50.00 CR //
fruitie
post Nov 28 2018, 05:10 PM

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QUOTE(peri peri @ Nov 28 2018, 04:07 PM)
yah meh? big pay no need online to prompt bank for payment?  hmm.gif

i found out my maxis 5g response faster than my celcom at that moment
*
Do you know what is 5G? smile.gif
The 5G you were referring to it is from your router - 5GHz not 5G from Maxis which Malaysia still doesn't have. smile.gif

That said I have no issue using any connection with BP.

This post has been edited by fruitie: Nov 28 2018, 05:12 PM
allen6279
post Nov 28 2018, 05:14 PM

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no cb for wk17
first otp at 09.49
last otp at 10.02
hwachong
post Nov 28 2018, 05:15 PM

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top up between 9:24 to 9:31 no CB

This post has been edited by hwachong: Nov 28 2018, 05:15 PM
cybpsych
post Nov 28 2018, 05:18 PM

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QUOTE(allen6279 @ Nov 28 2018, 05:14 PM)
no cb for wk17
first otp at 09.49
last otp at 10.02
*
QUOTE(hwachong @ Nov 28 2018, 05:15 PM)
top up between 9:24 to 9:31 no CB
*
recheck your pbe again later tonight. sometimes, i see the acct update is not the same.
allen6279
post Nov 28 2018, 05:21 PM

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QUOTE(hwachong @ Nov 28 2018, 05:15 PM)
top up between 9:24 to 9:31 no CB
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you have chance... i believe mine is a gone case
good luck
sendohz
post Nov 28 2018, 05:26 PM

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Gone case for my WK18.

This post has been edited by sendohz: Nov 28 2018, 05:27 PM
ClarenceT
post Nov 28 2018, 05:35 PM

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RM50. 8th transaction at 08:13.
mamamia
post Nov 28 2018, 05:38 PM

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RM50, 22 oct - 8th txn 8:44am
AtMostFear
post Nov 28 2018, 06:00 PM

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Ok no CB for mine, transactions between 10:06am 10:11am
menime123
post Nov 28 2018, 06:03 PM

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WK17 (22 Oct) - Last transaction is 7.26 am

Syukur
minthiam
post Nov 28 2018, 06:24 PM

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Top between 8:53AM and 9:20AM and only able to get RM25
cybpsych
post Nov 28 2018, 06:38 PM

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QUOTE(minthiam @ Nov 28 2018, 06:24 PM)
Top between 8:53AM and 9:20AM and only able to get RM25
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when was 5th transaction?
minthiam
post Nov 28 2018, 06:57 PM

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QUOTE(cybpsych @ Nov 28 2018, 06:38 PM)
when was 5th transaction?
*
Fifth transaction at 9:12AM and the sixth at 9:14AM.
ckweng
post Nov 28 2018, 07:01 PM

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QUOTE(minthiam @ Nov 28 2018, 06:24 PM)
Top between 8:53AM and 9:20AM and only able to get RM25
*
I also received partial rebate (RM15) and finished transactions at around the same time as you.
hulu_hili
post Nov 28 2018, 07:27 PM

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8th transaction at 9.05am
BeastX
post Nov 28 2018, 07:31 PM

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Looks like I cannot use.. PayPal in USD to hit the 8x Cash back....Unless transactions before 9am will still be considered as same day (needs experiment)
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post Nov 28 2018, 07:35 PM

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QUOTE(ckweng @ Nov 28 2018, 07:01 PM)
I also received partial rebate (RM15) and finished transactions at around the same time as you.
*
3rd and 5th transaction time?
tan_aniki
post Nov 28 2018, 08:10 PM

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27 NOV 27 NOV PB BAL TFR-12 MTH @ 0% KUALA LUMPUR MY 859.38 DR
27 NOV 27 NOV PB BAL TFR-12 MTH @ 0% KUALA LUMPUR MY 214.41 DR
27 NOV 27 NOV PB BAL TFR-12 MTH @ 0% KUALA LUMPUR MY 201.25 DR
28 NOV 28 NOV SPEND NOW 4 MORE - WK17 50.00 CR

lol yday BT already approved without notify me through email, very fast approval as compare to Feb this year.
Thank you again PBB and BP~
coolguy99
post Nov 28 2018, 08:14 PM

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Didn't get anything top up at 11am.
rdevil33
post Nov 28 2018, 11:12 PM

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Got full RM50.
Last tranx 7.11am
ckweng
post Nov 29 2018, 08:09 AM

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QUOTE(cybpsych @ Nov 28 2018, 07:35 PM)
3rd and 5th transaction time?
*
3rd transaction at 9.06am and the 5th at 9.31am sad.gif
kremlin
post Nov 29 2018, 08:33 AM

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Got RM50. 8th transaction was 8.22am. I guess pool depleted after 9.12am?
shmily86
post Nov 29 2018, 09:19 AM

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6.09AM - 6.28AM
LostAndFound
post Nov 29 2018, 09:25 AM

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QUOTE(ckweng @ Nov 29 2018, 08:09 AM)
3rd transaction at 9.06am and the 5th at 9.31am  sad.gif
*
Out of curiosity, why such a large gap between transactions?
tan_aniki
post Nov 29 2018, 09:35 AM

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QUOTE(LostAndFound @ Nov 29 2018, 09:25 AM)
Out of curiosity, why such a large gap between transactions?
*
bcos they scared of the terms "split transaction"
samuraix79
post Nov 29 2018, 09:59 AM

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First time get
3rd swipe at 9.20am (All also TnG reload using wallet and physical card)
I had 2 more swipes at 6pm for groceries, guess too late then.
joevo2
post Nov 29 2018, 01:20 PM

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Anyone tried this? So now can use Quantum for petrol 😂 https://www.setel.my but unverified whether can get CB or not

This post has been edited by joevo2: Nov 29 2018, 01:21 PM
SUSDavid83
post Nov 29 2018, 01:23 PM

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QUOTE(joevo2 @ Nov 29 2018, 01:20 PM)
Anyone tried this? So now can use Quantum for petrol 😂 https://www.setel.my but unverified whether can get CB or not
*
If the app triggers OTP like BP, you'll get CB under online.
Otherwise, you won't get CB if no OTP like Boost.

Its MCC code is 5172 Petroleum and Petroleum Products


This post has been edited by David83: Nov 29 2018, 01:24 PM
joevo2
post Nov 29 2018, 01:26 PM

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QUOTE(David83 @ Nov 29 2018, 01:23 PM)
If the app triggers OTP like BP, you'll get CB under online.
Otherwise, you won't get CB if no OTP like Boost.

Its MCC code is 5172 Petroleum and Petroleum Products
*
Hmm so that mean TnG ewallet app can get CB also?
SUSDavid83
post Nov 29 2018, 01:30 PM

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QUOTE(joevo2 @ Nov 29 2018, 01:26 PM)
Hmm so that mean TnG ewallet app can get CB also?
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Yes and it has been validated.
attentional
post Nov 29 2018, 01:36 PM

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Got mine RM50. Last transaction 12:10am
beaverknight
post Nov 29 2018, 01:43 PM

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28 NOV SPEND NOW 4 MORE - WK17 50.00
cybpsych
post Nov 29 2018, 02:05 PM

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QUOTE(joevo2 @ Nov 29 2018, 01:20 PM)
Anyone tried this? So now can use Quantum for petrol 😂 https://www.setel.my but unverified whether can get CB or not
*
yes, got cashback.

description is not petronas or setel, but this >> WEBONLINE *xxxxxxxxxxx KELANA JAYA MY, whereby xxxx is some random string.


even can use QM/VS > bigpay > setel app too biggrin.gif
paogeh
post Nov 29 2018, 02:49 PM

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WK50 missed ....

1st 9.50AM
last 9.59am .....
paogeh
post Nov 29 2018, 02:52 PM

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so far .....missed WK15 (12.50PM )
and WK17 (9.50AM)
joevo2
post Nov 29 2018, 03:04 PM

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QUOTE(cybpsych @ Nov 29 2018, 02:05 PM)
yes, got cashback.

description is not petronas or setel, but this >> WEBONLINE *xxxxxxxxxxx KELANA JAYA MY, whereby xxxx is some random string.
even can use QM/VS > bigpay > setel app too  biggrin.gif
*
Wow thanks for the tips... but Bigpay only some meager point... sad man... got big pay but not using it
talexeh
post Nov 29 2018, 03:35 PM

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QUOTE(beaverknight @ Nov 29 2018, 01:43 PM)
28 NOV SPEND NOW 4 MORE - WK17 50.00
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Your post is useless unless you include the time stamp.
TongCN
post Nov 29 2018, 04:08 PM

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Busy till forgot check forum or phone

Week 17 rm50 in

Last transaction 6:01am

While my wife doesn’t receive, tonight have to help her check
cybpsych
post Nov 29 2018, 04:35 PM

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QUOTE(laith @ Nov 29 2018, 04:33 PM)
Looks like the cashback quota is running out after 9am.
*
that's for week17, more than 1 month ago.

imagine the quota utilization for this and coming weeks rclxub.gif
beaverknight
post Nov 29 2018, 04:36 PM

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QUOTE(talexeh @ Nov 29 2018, 03:35 PM)
Your post is useless unless you include the time stamp.
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Before 8am
tan_aniki
post Nov 29 2018, 05:04 PM

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QUOTE(cybpsych @ Nov 29 2018, 04:35 PM)
that's for week17, more than 1 month ago.

imagine the quota utilization for this and coming weeks  rclxub.gif
*
i remember WK17 got problem with BP and i reload with Digi lol
MGM
post Nov 29 2018, 05:43 PM

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QUOTE(cybpsych @ Nov 29 2018, 04:35 PM)
that's for week17, more than 1 month ago.

imagine the quota utilization for this and coming weeks  rclxub.gif
*
Was thinking likewise, esp those who missed the CB would surely try it earlier. So far my strike rate is 100%.
paogeh
post Nov 29 2018, 10:51 PM

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QUOTE(MGM @ Nov 29 2018, 05:43 PM)
Was thinking likewise, esp those who missed the CB would surely try it earlier. So far my strike rate is 100%.
*
Now i set alarm on Sunday 12.00pm ......

and swipe at 12.05am .....

however , during this 10--20 mins time , it';s always problematic ....
only those get OTP-SMS are valid ....

and would reflected later ..
talexeh
post Nov 29 2018, 11:38 PM

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QUOTE(paogeh @ Nov 29 2018, 10:51 PM)
Now i set alarm on Sunday 12.00pm ......

and swipe at 12.05am .....

however , during this 10--20 mins time , it';s always problematic ....
only those get OTP-SMS are valid ....

and would reflected later ..
*
You meant to say Monday 12:00am instead?

Anyway, a few members here reported missing cashback for swipes that took place at 12am++ so 1am or 2am would be the better time... at he cost of your sleep. :sweat;
IceLeo
post Nov 30 2018, 08:16 AM

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Can someone update the timetable for cash pool depleted? that's very useful
beebee1314
post Nov 30 2018, 09:30 AM

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QUOTE(IceLeo @ Nov 30 2018, 08:16 AM)
Can someone update the timetable for cash pool depleted? that's very useful
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Someone will definitely fry u for not using the search button. Go back to the post #1.

This post has been edited by beebee1314: Nov 30 2018, 09:31 AM
ClarenceT
post Nov 30 2018, 10:15 AM

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QUOTE(IceLeo @ Nov 30 2018, 08:16 AM)
Can someone update the timetable for cash pool depleted? that's very useful
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Only 4 weeks left, not so important now.
!@#$%^
post Nov 30 2018, 10:17 AM

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QUOTE(ClarenceT @ Nov 30 2018, 10:15 AM)
Only 4 weeks left, not so important now.
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maybe for the next, if any.
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post Nov 30 2018, 10:21 AM

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QUOTE(IceLeo @ Nov 30 2018, 08:16 AM)
Can someone update the timetable for cash pool depleted? that's very useful
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just do it as early and hope you win ... that's what we all do smile.gif
ClarenceT
post Nov 30 2018, 10:22 AM

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QUOTE(alexanderclz @ Nov 30 2018, 10:17 AM)
maybe for the next, if any.
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Different spending requirements, different CB amount, different quota.
Eg the first game of 2018 (2XRM100/500), only 5% (extra) CB, I was not really interested to play every week.
skty
post Nov 30 2018, 12:28 PM

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QUOTE(ClarenceT @ Nov 30 2018, 10:22 AM)
Different spending requirements, different CB amount, different quota.
Eg the first game of 2018 (2XRM100/500), only 5% (extra) CB, I was not really interested to play every week.
*
I also skip that 5% campaign. But that was before BigPay is in the picture.
now even 0.1% i also tak lepas. tongue.gif
ClarenceT
post Nov 30 2018, 12:39 PM

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QUOTE(skty @ Nov 30 2018, 12:28 PM)
I also skip that 5% campaign. But that was before BigPay is in the picture.
now even 0.1% i also tak lepas.  tongue.gif
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0.1% not enough to cover the potential loss. Must be at least 0.2%.

tan_aniki
post Nov 30 2018, 12:57 PM

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QUOTE(skty @ Nov 30 2018, 12:28 PM)
I also skip that 5% campaign. But that was before BigPay is in the picture.
now even 0.1% i also tak lepas.  tongue.gif
*
i don't care about the percentage, i care about the cap tongue.gif
IceLeo
post Nov 30 2018, 03:15 PM

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QUOTE(beebee1314 @ Nov 30 2018, 09:30 AM)
Someone will definitely fry u for not using the search button. Go back to the post #1.
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That's help.. thank you!
skty
post Nov 30 2018, 04:19 PM

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QUOTE(ClarenceT @ Nov 30 2018, 12:39 PM)
0.1% not enough to cover the potential loss. Must be at least 0.2%.
*
why? there are ways to get back the money at 0% loss. biggrin.gif

QUOTE(tan_aniki @ Nov 30 2018, 12:57 PM)
i don't care about the percentage, i care about the cap tongue.gif
*
me too tongue.gif
filidon
post Nov 30 2018, 05:12 PM

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Expedia Malaysia confirm no cash back as online transaction ? my goodness. this is one of the biggest spend i will do for business trip , Agoda normally price higher than Expedia one
tan_aniki
post Nov 30 2018, 05:31 PM

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QUOTE(filidon @ Nov 30 2018, 05:12 PM)
Expedia Malaysia confirm no cash back as online transaction ? my goodness. this is one of the biggest spend i will do for business trip , Agoda normally price higher than Expedia one
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reload to BP and use BP lo...
filidon
post Nov 30 2018, 05:50 PM

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bro, the thing is if book through Expedia website and using PB card,, can have 10% discount straight from the amount. which mean if eligible is 5% ( PB online rebate ) + 10% PB card discount = 15%

if i use BP only entitle 5% only

better i use other CC with rebate
ClarenceT
post Nov 30 2018, 05:53 PM

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QUOTE(filidon @ Nov 30 2018, 05:50 PM)
bro, the thing is if book through Expedia website and using PB card,, can have 10% discount straight from the amount. which mean if eligible is 5% ( PB online rebate ) + 10% PB card discount = 15%

if i use BP only entitle 5% only

better i use other CC with rebate
*
You can get a Expedia 10% voucher at Hotlink App.
tan_aniki
post Nov 30 2018, 06:09 PM

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QUOTE(filidon @ Nov 30 2018, 05:50 PM)
bro, the thing is if book through Expedia website and using PB card,, can have 10% discount straight from the amount. which mean if eligible is 5% ( PB online rebate ) + 10% PB card discount = 15%

if i use BP only entitle 5% only

better i use other CC with rebate
*
but now not entitle to get 5% ma, then you ma use PBB to BP to get 5% then use shopback to get 6% which in turn 0.95 X 0.94 = 0.893 = 10.7% CB
btw 10% + 5% is not equal to 15%, is 0.9 X 0.95 = 0.855 = 14.5%
sw1314
post Nov 30 2018, 06:29 PM

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hi all.. i want ask pay shopee with Quantum mater has rebate 5%?
how if i pay installment?
SUSDavid83
post Nov 30 2018, 06:32 PM

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QUOTE(sw1314 @ Nov 30 2018, 06:29 PM)
hi all.. i want ask pay shopee with Quantum mater has rebate 5%?
how if i pay installment?
*
Visa Signature & Quantum MasterCard
Online Transaction
• Shopee Malaysia (Web/App)

Your monthly installment is entitled to cash back.

This post has been edited by David83: Nov 30 2018, 06:32 PM
sw1314
post Nov 30 2018, 06:46 PM

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QUOTE(David83 @ Nov 30 2018, 06:32 PM)
Visa Signature & Quantum MasterCard
Online Transaction
• Shopee Malaysia (Web/App)

Your monthly installment is entitled to cash back.
*
note and thank
fkinmeng
post Nov 30 2018, 06:53 PM

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If i swipe rm60 for 8 times on monday 1am by using jompay to pay ptptn, provided that the pool is still available, will i be eligible for rm50 cashback?
SUSDavid83
post Nov 30 2018, 06:54 PM

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QUOTE(fkinmeng @ Nov 30 2018, 06:53 PM)
If i swipe rm60 for 8 times on monday 1am by using jompay to pay ptptn, provided that the pool is still available, will i be eligible for rm50 cashback?
*
Government service is under exclusion list if you did read the TnC.
If can get, I have done since day 1 of the campaign.

By the way, are you referring to FPX from PTPTN website?
Or Jompay from PBe?

This post has been edited by David83: Nov 30 2018, 06:55 PM
uhlaw
post Nov 30 2018, 06:59 PM

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Can i just cancel visa quantum while i only keep master quantum?
SUSDavid83
post Nov 30 2018, 07:00 PM

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QUOTE(uhlaw @ Nov 30 2018, 06:59 PM)
Can i just cancel visa quantum while i only keep master quantum?
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Yes, you can.
uhlaw
post Nov 30 2018, 07:06 PM

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QUOTE(David83 @ Nov 30 2018, 07:00 PM)
Yes, you can.
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Thanks for reply... PBB cards only for BT purpose biggrin.gif
fkinmeng
post Nov 30 2018, 08:58 PM

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QUOTE(David83 @ Nov 30 2018, 06:54 PM)
Government service is under exclusion list if you did read the TnC.
If can get, I have done since day 1 of the campaign.

By the way, are you referring to FPX from PTPTN website?
Or Jompay from PBe?
*
Thanks for your reply, i meant Jompay from PBe.
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
filidon
post Nov 30 2018, 09:27 PM

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QUOTE(ClarenceT @ Nov 30 2018, 05:53 PM)
You can get a Expedia 10% voucher at Hotlink App.
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bro i din use hotlink leh
filidon
post Nov 30 2018, 09:30 PM

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QUOTE(tan_aniki @ Nov 30 2018, 06:09 PM)
but now not entitle to get 5% ma, then you ma use PBB to BP to get 5% then use shopback to get 6% which in turn 0.95 X 0.94 = 0.893 = 10.7% CB
btw 10% + 5% is not equal to 15%, is 0.9 X 0.95 = 0.855 = 14.5%
*
anyway i can use other cc to spend on expedia
btw, what is BP
tan_aniki
post Nov 30 2018, 09:52 PM

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QUOTE(filidon @ Nov 30 2018, 09:30 PM)
anyway i can use other cc to spend on expedia
btw, what is BP
*
Bigpay

QUOTE(David83 @ Nov 30 2018, 06:32 PM)
Visa Signature & Quantum MasterCard
Online Transaction
• Shopee Malaysia (Web/App)

Your monthly installment is entitled to cash back.
*
erm... but i think if convert to installment won't qualify for the campaign...
not advisable to convert to installment, better BT to others bank with 0% interest

This post has been edited by tan_aniki: Nov 30 2018, 09:53 PM
deanitro
post Dec 1 2018, 01:58 PM

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can i use credit card to settle my PTPTN loan?
then convert it to 0% instalment plan.
SUSDavid83
post Dec 1 2018, 02:00 PM

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QUOTE(deanitro @ Dec 1 2018, 01:58 PM)
can i use credit card to settle my PTPTN loan?
then convert it to 0% instalment plan.
*
Can.
PBB got this plan called FlexiPay. 0% interest.
deanitro
post Dec 1 2018, 02:19 PM

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QUOTE(David83 @ Dec 1 2018, 02:00 PM)
Can.
PBB got this plan called FlexiPay. 0% interest.
*
if using Quantum, as long as my PTPTN is more than RM1,200,
can opt for 12 months 0% interest. Is it? 😍
got 20% discount if settle PTPTN before 31 Dec 2018.
SUSDavid83
post Dec 1 2018, 03:45 PM

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QUOTE(deanitro @ Dec 1 2018, 02:19 PM)
if using Quantum, as long as my PTPTN is more than RM1,200,
can opt for 12 months 0% interest. Is it? 😍
got 20% discount if settle PTPTN before 31 Dec 2018.
*
Details: https://www.pbebank.com/Personal-Banking/Pr...y-Plan-(5).aspx
saitong09
post Dec 1 2018, 03:50 PM

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QUOTE(David83 @ Dec 1 2018, 12:21 PM)
PBB VS and QMC.
*
Eligible tng ewallet update in this thread smile.gif
beLIEve
post Dec 1 2018, 05:13 PM

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Yesterday swipe at public bank terminal around 8pm, can see transaction posted on PBe after midnight maintenance. Transaction date = posting date
ClarenceT
post Dec 1 2018, 06:30 PM

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QUOTE(beLIEve @ Dec 1 2018, 05:13 PM)
Yesterday swipe at public bank terminal around 8pm, can see transaction posted on PBe after midnight maintenance. Transaction date = posting date
*
Similar to "House Cheque".
beLIEve
post Dec 1 2018, 08:10 PM

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QUOTE(ClarenceT @ Dec 1 2018, 06:30 PM)
Similar to "House Cheque".
*
Hah yeah yeah. Even faster than that. So anyone hoping for swipe today, post tomorrow, have to be careful.
jerryhao
post Dec 2 2018, 08:35 PM

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Any benefit for holding platinum card?
Seems like more useful for quantum rather than platinum card
mamamia
post Dec 2 2018, 08:42 PM

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My friend apply PBVS + PBQM + PBQV as new cardholder with sign up bonus of RM288 Shopee voucher, he activate PBVS & PBQM and spent RM200 on PBVS, n he got RM288 Shopee code recently. So, it seem like not necessary to spent on all cards..
tan_aniki
post Dec 2 2018, 08:51 PM

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QUOTE(jerryhao @ Dec 2 2018, 08:35 PM)
Any benefit for holding platinum card?
Seems like more useful for quantum rather than platinum card
*
throw away the platinum and get VS, QMC and VI
saitong09
post Dec 2 2018, 09:49 PM

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QUOTE(mamamia @ Dec 2 2018, 08:42 PM)
My friend apply PBVS + PBQM + PBQV as new cardholder with sign up bonus of RM288 Shopee voucher, he activate PBVS & PBQM and spent RM200 on PBVS, n he got RM288 Shopee code recently. So, it seem like not necessary to spent on all cards..
*
The Shopee voucher need to apply both PBB VS + Quantum card?
mamamia
post Dec 2 2018, 09:54 PM

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QUOTE(saitong09 @ Dec 2 2018, 09:49 PM)
The Shopee voucher need to apply both PBB VS + Quantum card?
*
No need
coolguy_0925
post Dec 2 2018, 11:11 PM

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QUOTE(tan_aniki @ Nov 29 2018, 09:35 AM)
bcos they scared of the terms "split transaction"
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So far anyone didn't ger because of this?
tan_aniki
post Dec 2 2018, 11:27 PM

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QUOTE(coolguy_0925 @ Dec 2 2018, 11:11 PM)
So far anyone didn't ger because of this?
*
i'm doing around 6am~7am with 1min between each transaction, all RM60, not like those with RM60.01, RM60.02... and still i got the CB from WK1~WK17
AskarPerang
post Dec 2 2018, 11:57 PM

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QUOTE(fruitie @ Nov 28 2018, 09:44 AM)
I'm confused a bit, maybe early morning still can't think straight yet. laugh.gif

If statement date is 3rd every month, my new cash back cycle starts on 3rd or 4th? If any transactions transacted and posted on 3rd will still include in this month's statement or following month? biggrin.gif
*
I try searching but not able to get a clear answer.
For PBB VS, cash back is based on calendar date (just like MBB) or statement cycle (just like citibank)?
Yet to complete any cycle yet so I would like to I know my statement date. Activated on 20 Nov.
Thank you.
beLIEve
post Dec 3 2018, 12:02 AM

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QUOTE(AskarPerang @ Dec 2 2018, 11:57 PM)
I try searching but not able to get a clear answer.
For PBB VS, cash back is based on calendar date (just like MBB) or statement cycle (just like citibank)?
Yet to complete any cycle yet so I would like to I know my statement date. Activated on 20 Nov.
Thank you.
*
Statement cycle. For your statement date, you'll probably have to call Customer Service. Doesn't matter when you activate the card.
fruitie
post Dec 3 2018, 12:05 AM

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QUOTE(AskarPerang @ Dec 2 2018, 11:57 PM)
I try searching but not able to get a clear answer.
For PBB VS, cash back is based on calendar date (just like MBB) or statement cycle (just like citibank)?
Yet to complete any cycle yet so I would like to I know my statement date. Activated on 20 Nov.
Thank you.
*
Statement month. You will see the statement date in the letter which attached your card.
iXora.ix
post Dec 3 2018, 12:27 PM

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QUOTE(mamamia @ Dec 2 2018, 08:42 PM)
My friend apply PBVS + PBQM + PBQV as new cardholder with sign up bonus of RM288 Shopee voucher, he activate PBVS & PBQM and spent RM200 on PBVS, n he got RM288 Shopee code recently. So, it seem like not necessary to spent on all cards..
*
Hi, May I know how soon your friend receive shopee code? I already receive sms from pbe saying I already spend rm 150 and aksed my shopee username.
mamamia
post Dec 3 2018, 12:43 PM

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QUOTE(iXora.ix @ Dec 3 2018, 12:27 PM)
Hi, May I know how soon your friend receive shopee code? I already receive sms from pbe saying I already spend rm 150 and aksed my shopee username.
*
Almost 2 months
Sumofwhich
post Dec 3 2018, 01:50 PM

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Application for 12 months 0% BT got approved as well.
Thanks a lot for sharing!
TongCN
post Dec 3 2018, 02:08 PM

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Oh, mine also approved on second day for the 12m BT 0%

Thanks for sharing icon_rolleyes.gif
peri peri
post Dec 3 2018, 03:15 PM

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QUOTE(AskarPerang @ Dec 2 2018, 11:57 PM)
I try searching but not able to get a clear answer.
For PBB VS, cash back is based on calendar date (just like MBB) or statement cycle (just like citibank)?
Yet to complete any cycle yet so I would like to I know my statement date. Activated on 20 Nov.
Thank you.
*
statement month, congrats on your VS!
metaloid
post Dec 3 2018, 04:23 PM

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QUOTE(AskarPerang @ Dec 2 2018, 11:57 PM)
I try searching but not able to get a clear answer.
For PBB VS, cash back is based on calendar date (just like MBB) or statement cycle (just like citibank)?
Yet to complete any cycle yet so I would like to I know my statement date. Activated on 20 Nov.
Thank you.
*
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?

This post has been edited by metaloid: Dec 3 2018, 04:24 PM
SUSDavid83
post Dec 3 2018, 04:38 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?
*
Yes. Entitled using PBB VS and QMC.
tan_aniki
post Dec 3 2018, 04:39 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?
*
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
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?
*
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
*
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
fruitie
post Dec 3 2018, 10:12 PM

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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
MGM
post Dec 3 2018, 10:39 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
*
Hi sis, only rm1.02 CB. There are more to come. Anyway I just browsed thru my PBB transactions and couldnt find one where transaction n posting dates are the same.
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
*
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)
virgoguy
post Dec 3 2018, 11:02 PM

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does reload Boost entitle cash back?
fruitie
post Dec 3 2018, 11:02 PM

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QUOTE(MGM @ Dec 3 2018, 10:39 PM)
Hi sis, only rm1.02 CB. There are more to come. Anyway I just browsed thru my PBB transactions and couldnt find one where transaction n posting dates are the same.
*
Yeah, after that I realised only less than RM 1.50. Better saves my energy. laugh.gif

QUOTE(cybpsych @ Dec 3 2018, 10:50 PM)
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)
*
Better don't take the risk in this case, not worth it. tongue.gif
Thanks for the kind recommendations! notworthy.gif
kkhong
post Dec 4 2018, 03:06 AM

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For those who do Auto Fund Transfer (AFT) to get shopee rm88 voucher, may I know long to wait to get the voucher (assuming I fulfilled all criteria)?

This post has been edited by kkhong: Dec 4 2018, 03:06 AM
SUSDavid83
post Dec 4 2018, 06:15 AM

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QUOTE(virgoguy @ Dec 3 2018, 11:02 PM)
does reload Boost entitle cash back?
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Not eligible.
ckweng
post Dec 4 2018, 09:04 AM

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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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post Dec 4 2018, 09:08 AM

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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?
*
where to see the itemized CB transaction?
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.
*
+2 days is ok. havent/dont dare to try 3 days.
rapple
post Dec 4 2018, 09:16 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.
*
T&C stated clearly how many days are given to you before they charged you any interest/fees, if PB willing to waive it then it's on their goodwill. No such thing as unofficial grace period.

No problem with my supp. card at all. Your supp. card has a separate credit limit? Do you wave / used pin? PB has a limit on wave, for every 5 waves the next one has to used pin before you can wave again.

This post has been edited by rapple: Dec 4 2018, 09:16 AM
SUSDavid83
post Dec 4 2018, 09:17 AM

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QUOTE(rapple @ Dec 4 2018, 09:16 AM)
T&C stated clearly how many days are given to you before they charged you any interest/fees, if PB willing to waive it then it's on their goodwill. No such thing as unofficial grace period.

No problem with my supp. card at all. Your supp. card has a separate credit limit? Do you wave / used pin? PB has a limit on wave, for every 5 waves the next one has to used pin before you can wave again.
*
I think should be every 9/10 waves.
LostAndFound
post Dec 4 2018, 09:55 AM

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QUOTE(rapple @ Dec 4 2018, 09:16 AM)
T&C stated clearly how many days are given to you before they charged you any interest/fees, if PB willing to waive it then it's on their goodwill. No such thing as unofficial grace period.
*
Every bank I've ever had a card with has an unofficial grace period within which you do not get charged interest, even though it's pass the 20 days or whatever that they give you.

This is to allow for delays such as IBG, processing problems, etc.

Not something you can regularly rely on, but whenever I've been late by a day or two I have not been charged. More than that then need to beg/plead with CS.
beebee1314
post Dec 4 2018, 10:05 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.
*
I missed one day before. But that was one-off due to I was away on biz trip and forgotten to make payment. If it's one off and u're charged all those penalty late payment thingy, u can actually request for waiver. I managed to get waiver for cimb after being late for a whole 15 days.
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post Dec 4 2018, 10:10 AM

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QUOTE(David83 @ Dec 4 2018, 09:17 AM)
I think should be every 9/10 waves.
*
it depend on the amount has utilize rm250 or not, i encounter this myself when i only pay wave less than 5 time but was need to key in pin to refresh due to previous 5 wave amount exceed rm250.

Has not use pb paywave recently, not sure has this been change.
metaloid
post Dec 4 2018, 10:12 AM

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QUOTE(David83 @ Dec 3 2018, 04:38 PM)
Yes. Entitled using PBB VS and QMC.
*
Ok nvm. Starting next year its by salary deduction. So no more option to use CC.
fruitie
post Dec 4 2018, 10:40 AM

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QUOTE(metaloid @ Dec 4 2018, 10:12 AM)
Ok nvm. Starting next year its by salary deduction. So no more option to use CC.
*
Are you sure? Not that I'm aware of such option. What if people who are not employed?
Option to pay manually is always there.
LostAndFound
post Dec 4 2018, 12:00 PM

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QUOTE(fruitie @ Dec 4 2018, 10:40 AM)
Are you sure? Not that I'm aware of such option. What if people who are not employed?
Option to pay manually is always there.
*
Not sure if you pre-pay they won't deduct (don't think so). It's like your income tax.
ckweng
post Dec 4 2018, 12:28 PM

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QUOTE(cybpsych @ Dec 4 2018, 09:15 AM)
+2 days is ok. havent/dont dare to try 3 days.
*
QUOTE(rapple @ Dec 4 2018, 09:16 AM)
T&C stated clearly how many days are given to you before they charged you any interest/fees, if PB willing to waive it then it's on their goodwill. No such thing as unofficial grace period.

No problem with my supp. card at all. Your supp. card has a separate credit limit? Do you wave / used pin? PB has a limit on wave, for every 5 waves the next one has to used pin before you can wave again.
*
Thank you all for your feedback on the last payment charges. I've just spoken to CS that 3 days after due date is still alright with no late payment charges; my case is just 3 days past due. That said, it's highly recommended for everyone to remember to pay before due date to avoid the charges, hassle, worry etc smile.gif

On supp card credit limit utilisation, all those transactions were online ones. I just checked that the transactions began to be declined right after the separate credit limit has been fully utilised, so nothing unusual here.
fruitie
post Dec 4 2018, 02:55 PM

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QUOTE(LostAndFound @ Dec 4 2018, 12:00 PM)
Not sure if you pre-pay they won't deduct (don't think so). It's like your income tax.
*
It has to be there, else I cannot enjoy cash back anymore. laugh.gif
SUSDavid83
post Dec 4 2018, 03:21 PM

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QUOTE(LostAndFound @ Dec 4 2018, 12:00 PM)
Not sure if you pre-pay they won't deduct (don't think so). It's like your income tax.
*
QUOTE(fruitie @ Dec 4 2018, 02:55 PM)
It has to be there, else I cannot enjoy cash back anymore. laugh.gif
*
I think they'll still deduct even you pre-pay or pay in advance.
fruitie
post Dec 4 2018, 06:48 PM

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QUOTE(David83 @ Dec 4 2018, 03:21 PM)
I think they'll still deduct even you pre-pay or pay in advance.
*
doh.gif Honestly I didn't know the deduction is mandatory. doh.gif
I thought I can still manually pay for it and earn cash back, now double deduction if I were to do this. bangwall.gif
SUSDavid83
post Dec 4 2018, 06:53 PM

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QUOTE(fruitie @ Dec 4 2018, 06:48 PM)
doh.gif Honestly I didn't know the deduction is mandatory. doh.gif
I thought I can still manually pay for it and earn cash back, now double deduction if I were to do this. bangwall.gif
*
The details are not released yet if I'm not mistaken.
Let them post out the details first.
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post Dec 4 2018, 07:38 PM

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QUOTE(fruitie @ Dec 4 2018, 06:48 PM)
doh.gif Honestly I didn't know the deduction is mandatory. doh.gif
I thought I can still manually pay for it and earn cash back, now double deduction if I were to do this. bangwall.gif
*
Faster pay back your loan. Many young students waiting the opportunity to go further their studies.
fruitie
post Dec 4 2018, 07:45 PM

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QUOTE(Tigerr @ Dec 4 2018, 07:38 PM)
Faster pay back your loan. Many young students waiting the opportunity to go further their studies.
*
I'm paying more than required plus earning some cash back from credit cards.
Outstanding is high (RM 50k) and don't want to burden myself now to pay off everything. I'm paying every month 2x more than required monthly installment. Already considered good enough compared to those never pay before. tongue.gif
jerryhao
post Dec 4 2018, 08:15 PM

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QUOTE(tan_aniki @ Dec 2 2018, 08:51 PM)
throw away the platinum and get VS, QMC and VI
*
Wow, platinum so not useful.
LostAndFound
post Dec 4 2018, 09:43 PM

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QUOTE(fruitie @ Dec 4 2018, 07:45 PM)
I'm paying more than required plus earning some cash back from credit cards.
Outstanding is high (RM 50k) and don't want to burden myself now to pay off everything. I'm paying every month 2x more than required monthly installment. Already considered good enough compared to those never pay before. tongue.gif
*
Well the monthly deduction will be 1x only, so if you're already paying more.... still can manual pay (just don't gain AS much la).
fruitie
post Dec 4 2018, 11:08 PM

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Received latest statement which is expected with the missing cash back from last cycle due to partial statement.

Just wrote to CS and hopefully it will be credited back to me soon. thumbup.gif
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post Dec 4 2018, 11:23 PM

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I read that premium payment via PruAccess is entitled for 5% cash back, but does anybody know if I still eligible for the 5% cash back if I enroll for auto debit using the same card?

Or else I have to manually do payment every month..
mamamia
post Dec 4 2018, 11:29 PM

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QUOTE(hjhanzi @ Dec 4 2018, 11:23 PM)
I read that premium payment via PruAccess is entitled for 5% cash back, but does anybody know if I still eligible for the 5% cash back if I enroll for auto debit using the same card?

Or else I have to manually do payment every month..
*
No cashback for autodebit..

This post has been edited by mamamia: Dec 4 2018, 11:29 PM
kart
post Dec 5 2018, 06:46 AM

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QUOTE(LostAndFound @ Dec 4 2018, 09:43 PM)
Well the monthly deduction will be 1x only, so if you're already paying more.... still can manual pay (just don't gain AS much la).
*
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.

This post has been edited by kart: Dec 5 2018, 07:00 AM
jutamind
post Dec 5 2018, 07:09 AM

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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?
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?
*
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?
*
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.
*
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?
*
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?
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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?
*
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.
*
You sure WK18 is out? Mean I lost WK18. Last transaction 8.30am.
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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.
*
check later a bit.
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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...
*
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+
*
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+
*
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.
*
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?
*
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?
*
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.
*
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 ?
*
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 ?
*
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
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 ?
*
to the registered principal number
winner
post Dec 5 2018, 01:29 PM

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After missing out for Week 16 and Week 17 (both around 10am), finally I received RM50 for Week 18 (5.30am).
mamamia
post Dec 5 2018, 01:54 PM

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Week 18 RM50; 29 Oct 18 last txn 6:47am
jiaen0509
post Dec 5 2018, 01:59 PM

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QUOTE(cybpsych @ Dec 5 2018, 12:14 PM)
check later a bit.
*
Still not yet credit yet... sad
sendohz
post Dec 5 2018, 02:14 PM

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Wk18 as expected gone case.
Last transaction 9.29am
metaloid
post Dec 5 2018, 02:14 PM

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do alot of you cancel one quantum visa/mc card due to sst?
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?
*
primarily sst reason, yes
ClarenceT
post Dec 5 2018, 02:18 PM

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QUOTE(cclim2011 @ Dec 5 2018, 01:17 PM)
Week18 rm50 in. Last transaction ~1230
*
1230 am or pm?
fruitie
post Dec 5 2018, 02:20 PM

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QUOTE(vin_ann @ Dec 5 2018, 12:15 PM)
Found in Twitter

user posted image
*
Nightmare for me. The max cap. bangwall.gif
OMG. I really hope something can be done for those have been paying diligently, this is really nightmare. Not only my monthly expenses will be increased, my cash back also lost out. With this amount, I won't pay additional anymore. doh.gif
tan_aniki
post Dec 5 2018, 02:25 PM

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QUOTE(fruitie @ Dec 5 2018, 02:20 PM)
Nightmare for me. The max cap.  bangwall.gif
OMG. I really hope something can be done for those have been paying diligently, this is really nightmare. Not only my monthly expenses will be increased, my cash back also lost out. With this amount, I won't pay additional anymore. doh.gif
*
maybe you can find solution to re-schedule PTPTN rather than pay massively 15% of your salary?
https://www.ptptn.gov.my/penjadualan-penstrukturan-side
samuraix79
post Dec 5 2018, 02:30 PM

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Didn't get for week 18, 2nd and 3rd transaction at 10.30am and 10.38am
chrischiang
post Dec 5 2018, 02:30 PM

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QUOTE(vin_ann @ Dec 5 2018, 12:15 PM)
Found in Twitter

user posted image
*
wah if this is real going to nightmare lo... every month now i paying 500+, suddenly hike to 1200... not already sign contract during we loan, how long to repay back, how much per month.. can they suddenly change like that??

05 DEC SPEND NOW 4 MORE - WK18 50.00 last transaction 7.50am
ClarenceT
post Dec 5 2018, 02:33 PM

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QUOTE(fruitie @ Dec 5 2018, 02:20 PM)
Nightmare for me. The max cap.  bangwall.gif
OMG. I really hope something can be done for those have been paying diligently, this is really nightmare. Not only my monthly expenses will be increased, my cash back also lost out. With this amount, I won't pay additional anymore. doh.gif
*
Final chance
Maybank FCB VS RM2500 @ 2%
Maybank M2 Amex RM1000 @ 5%
SCB JOP RM1933
SCB Liverpool RM500
PBB VS RM633 X2 @ 6%
PBB QM RM600 X2 @ 5%

brows.gif

This post has been edited by ClarenceT: Dec 5 2018, 02:34 PM
tan_aniki
post Dec 5 2018, 02:38 PM

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05 DEC 05 DEC SPEND NOW 4 MORE - WK18 50.00 CR
as usual b4 7am
jiaen0509
post Dec 5 2018, 02:42 PM

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8.30am missed the CB.

So what is the best time? 1am??
AtMostFear
post Dec 5 2018, 02:42 PM

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No CB for me.

First transaction 829am, last 918am.
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??
*
QUOTE(AtMostFear @ Dec 5 2018, 02:42 PM)
No CB for me.

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

then we can narrow down between 1st -> 3rd window already finish quota.
cclim2011
post Dec 5 2018, 02:58 PM

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QUOTE(ClarenceT @ Dec 5 2018, 02:18 PM)
1230 am or pm?
*
Sorry my bad. Am. 0030
attentional
post Dec 5 2018, 03:00 PM

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QUOTE(vin_ann @ Dec 5 2018, 12:15 PM)
Found in Twitter

user posted image
*
I'm sorry but what is this about?
SUSDavid83
post Dec 5 2018, 03:08 PM

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QUOTE(attentional @ Dec 5 2018, 03:00 PM)
I'm sorry but what is this about?
*
PTPTN repayment via mandatory salary deduction.
vin_ann
post Dec 5 2018, 03:08 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??
*
Me too
8:36am first
8:44am last

QUOTE(AtMostFear @ Dec 5 2018, 02:42 PM)
No CB for me.

First transaction 829am, last 918am.
*
QUOTE(cybpsych @ Dec 5 2018, 02:44 PM)
when was 3rd transaction?

then we can narrow down between 1st -> 3rd window already finish quota.
*
My 3rd 8:39am
Got nothing

QUOTE(attentional @ Dec 5 2018, 03:00 PM)
I'm sorry but what is this about?
*
It's PTPTN repayment schedule base on salary
Just now forget to state: it from Awani reporter's twitter
cybpsych
post Dec 5 2018, 03:12 PM

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week17 -> week18

quota depletion jumped 1 hour earlier hmm.gif rclxub.gif
nickcct
post Dec 5 2018, 03:14 PM

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QUOTE(vin_ann @ Dec 5 2018, 03:08 PM)
Me too
8:36am first
8:44am last
My 3rd 8:39am
Got nothing
It's PTPTN repayment schedule base on salary
Just now forget to state: it from Awani reporter's twitter
*
I also didnt get for wk18 as well, first txn 8.31AM, last on 8.38AM
attentional
post Dec 5 2018, 03:15 PM

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Last transaction 7:32am, got only RM15. WTF?!
ClarenceT
post Dec 5 2018, 03:16 PM

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QUOTE(cybpsych @ Dec 5 2018, 03:12 PM)
week17 -> week18

quota depletion jumped 1 hour earlier  hmm.gif  rclxub.gif
*
The monday after payday. Some people feel more comfortable to spend.
ClarenceT
post Dec 5 2018, 03:16 PM

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QUOTE(attentional @ Dec 5 2018, 03:15 PM)
Last transaction 7:32am, got only RM15. WTF?!
*
Your 3rd and 5th transactions, when?
metaloid
post Dec 5 2018, 03:18 PM

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QUOTE(ClarenceT @ Dec 5 2018, 02:33 PM)
Final chance
Maybank FCB VS RM2500 @ 2%
Maybank M2 Amex RM1000 @ 5%
SCB JOP RM1933
SCB Liverpool RM500
PBB VS RM633 X2 @ 6%
PBB QM RM600 X2 @ 5%

brows.gif
*
rm150 sst charges
attentional
post Dec 5 2018, 03:25 PM

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QUOTE(ClarenceT @ Dec 5 2018, 03:16 PM)
Your 3rd and 5th transactions, when?
*
3rd 7.25am
5th 7.27am
ClarenceT
post Dec 5 2018, 03:26 PM

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QUOTE(metaloid @ Dec 5 2018, 03:18 PM)
rm150 sst charges
*
RM303 rebate per month or RM3,636 per year.
ClarenceT
post Dec 5 2018, 03:28 PM

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Deleted

This post has been edited by ClarenceT: Dec 5 2018, 03:32 PM
cybpsych
post Dec 5 2018, 03:29 PM

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

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QUOTE(attentional @ Dec 5 2018, 03:25 PM)
3rd 7.25am
5th 7.27am
*
Wow!?

getting more competitive @.@

I done mine on 3:23am
jiaen0509
post Dec 5 2018, 03:32 PM

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QUOTE(cybpsych @ Dec 5 2018, 02:44 PM)
when was 3rd transaction?

then we can narrow down between 1st -> 3rd window already finish quota.
*
8.18am
8.19am
8.21am
8.26am
8.27am
8.29am
8.30am
8.31am

Top-up at 00:01 to 02:00 safe? Because I normally not yet sleep on that time. But saw some people feedback that missed CB when topup on 00:xx. So I always topup at 7am or 8+
rapple
post Dec 5 2018, 03:36 PM

Y N W A
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Week 18 RM50

29/10/2018 - 6:20am to 6:27am x8 BigPay
beebee1314
post Dec 5 2018, 03:49 PM

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QUOTE(ClarenceT @ Dec 5 2018, 02:33 PM)
Final chance
Maybank FCB VS RM2500 @ 2%
Maybank M2 Amex RM1000 @ 5%
SCB JOP RM1933
SCB Liverpool RM500
PBB VS RM633 X2 @ 6%
PBB QM RM600 X2 @ 5%

brows.gif
*
Amex? Which e-wallet?
ClarenceT
post Dec 5 2018, 03:56 PM

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QUOTE(beebee1314 @ Dec 5 2018, 03:49 PM)
Amex? Which e-wallet?
*
PTPTN
talexeh
post Dec 5 2018, 03:58 PM

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QUOTE(beebee1314 @ Dec 5 2018, 03:49 PM)
Amex? Which e-wallet?
*
GrabPay.
shmily86
post Dec 5 2018, 04:03 PM

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bangwall.gif no cb

Mon, 29 October 2018 at 7:55 AM
Mon, 29 October 2018 at 8:31 AM
Mon, 29 October 2018 at 8:58 AM
Mon, 29 October 2018 at 8:59 AM
Mon, 29 October 2018 at 9:03 AM
Mon, 29 October 2018 at 9:08 AM
Mon, 29 October 2018 at 9:10 AM
Mon, 29 October 2018 at 9:12 AM


will be cont. makan telur for wk 19-22 dry.gif
poteryu
post Dec 5 2018, 04:03 PM

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OMG no WK 18.
sad.gif, scary wei

Mon, 29 October 2018 at 8:46 AM
Mon, 29 October 2018 at 8:45 AM
Mon, 29 October 2018 at 8:43 AM
Mon, 29 October 2018 at 8:42 AM
Mon, 29 October 2018 at 8:42 AM
Mon, 29 October 2018 at 8:41 AM
Mon, 29 October 2018 at 8:40 AM
Mon, 29 October 2018 at 8:39 AM
talexeh
post Dec 5 2018, 04:06 PM

One man's meat is another man's poison.
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QUOTE(attentional @ Dec 5 2018, 03:15 PM)
Last transaction 7:32am, got only RM15. WTF?!
*
Wait what?

But the guy below had his last transaction at 7:50am & he still got it.
QUOTE(chrischiang @ Dec 5 2018, 02:30 PM)
05 DEC SPEND NOW 4 MORE - WK18 50.00 last transaction 7.50am
*
lootservice
post Dec 5 2018, 04:07 PM

New Member
*
Junior Member
22 posts

Joined: Jul 2015
Guys, payonline entitle for SN4M?
i did 8x 60 on TNB transactions before 1am got nth..
ClarenceT
post Dec 5 2018, 04:08 PM

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QUOTE(lootservice @ Dec 5 2018, 04:07 PM)
Guys, payonline entitle for SN4M?
i did 8x 60 on TNB transactions before 1am got nth..
*
Utilities excluded. Read T&C before playing the game.

This post has been edited by ClarenceT: Dec 5 2018, 04:09 PM
beLIEve
post Dec 5 2018, 04:12 PM

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QUOTE(lootservice @ Dec 5 2018, 04:07 PM)
Guys, payonline entitle for SN4M?
i did 8x 60 on TNB transactions before 1am got nth..
*
QUOTE(ClarenceT @ Dec 5 2018, 04:08 PM)
Utilities excluded. Read T&C before playing the game.
*
Lucky I decided not to experiment this. I've read in some threads that PayOnline use Telco MCC. Thought can lepas with TNB. But statement is very clear showing Tenaga Nasional Berhad instead of PayOnline - TNB.
lootservice
post Dec 5 2018, 04:17 PM

New Member
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Joined: Jul 2015
QUOTE(beLIEve @ Dec 5 2018, 04:12 PM)
Lucky I decided not to experiment this. I've read in some threads that PayOnline use Telco MCC. Thought can lepas with TNB. But statement is very clear showing Tenaga Nasional Berhad instead of PayOnline - TNB.
*
opops..my bad...but mine is mixed...4TNB +4 Unifi also got nth..xD
LostAndFound
post Dec 5 2018, 04:18 PM

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QUOTE(shmily86 @ Dec 5 2018, 04:03 PM)
bangwall.gif no cb

Mon, 29 October 2018 at 7:55 AM
Mon, 29 October 2018 at 8:31 AM
Mon, 29 October 2018 at 8:58 AM
Mon, 29 October 2018 at 8:59 AM
Mon, 29 October 2018 at 9:03 AM
Mon, 29 October 2018 at 9:08 AM
Mon, 29 October 2018 at 9:10 AM
Mon, 29 October 2018 at 9:12 AM
will be cont. makan telur for wk 19-22 dry.gif
*
Again.... why would you start at 7.55 and then wait long long till 8.58 for your third transaction?
ayamback
post Dec 5 2018, 04:21 PM

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QUOTE(ClarenceT @ Dec 5 2018, 02:33 PM)
Final chance
Maybank FCB VS RM2500 @ 2%
Maybank M2 Amex RM1000 @ 5%
SCB JOP RM1933
SCB Liverpool RM500
PBB VS RM633 X2 @ 6%
PBB QM RM600 X2 @ 5%

brows.gif
*
PBB VS where do u spend the RM633? Can share tips? icon_idea.gif
beLIEve
post Dec 5 2018, 04:23 PM

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QUOTE(lootservice @ Dec 5 2018, 04:17 PM)
opops..my bad...but mine is mixed...4TNB +4 Unifi also got nth..xD
*
4x Unify to same bill or different bill? My Streamix can. But 1x only, no splitting. Splitting depends on your luck. If they don't notice, you get. If notice, you don't.

This post has been edited by beLIEve: Dec 5 2018, 04:25 PM
chrischiang
post Dec 5 2018, 04:40 PM

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QUOTE(talexeh @ Dec 5 2018, 04:06 PM)
Wait what?

But the guy below had his last transaction at 7:50am & he still got it.
*
Attached Image
kmed
post Dec 5 2018, 04:43 PM

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So quota depleted at 7.56am.
mamamia
post Dec 5 2018, 05:04 PM

Look at all my stars!!
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QUOTE(attentional @ Dec 5 2018, 03:15 PM)
Last transaction 7:32am, got only RM15. WTF?!
*
U can dispute since chrischiang got RM50 Cb with his txn later than u

QUOTE(chrischiang @ Dec 5 2018, 04:40 PM)
Attached Image
*
koala225
post Dec 5 2018, 05:09 PM

On my way
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QUOTE(ClarenceT @ Dec 5 2018, 03:26 PM)
RM303 rebate per month or RM3,636 per year.
*
But not everyone can spend more than 8k per month.
lalachong
post Dec 5 2018, 05:17 PM

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Week 18 RM50

29/10/2018 - 00:30am to 01:27am x8 BigPay
menime123
post Dec 5 2018, 05:20 PM

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05 DEC 05 DEC SPEND NOW 4 MORE - WK18 50.00
Week 18 (29 Oct) - Last transaction 6.30 am

Syukur
talexeh
post Dec 5 2018, 05:21 PM

One man's meat is another man's poison.
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QUOTE(ayamback @ Dec 5 2018, 04:21 PM)
PBB VS where do u spend the RM633? Can share tips?  icon_idea.gif
*
BigPay?

QUOTE(chrischiang @ Dec 5 2018, 04:40 PM)
Attached Image
*
Thanks for the screenshot. It'll be useful to those who swiped earlier but missed the CB. thumbsup.gif

QUOTE(koala225 @ Dec 5 2018, 05:09 PM)
But not everyone can spend more than 8k per month.
*
BigPay?
joeaverage
post Dec 5 2018, 05:47 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??
*
QUOTE(jiaen0509 @ Dec 5 2018, 03:32 PM)

Top-up at 00:01 to 02:00 safe? Because I normally not yet sleep on that time. But saw some people feedback that missed CB when topup on 00:xx. So I always topup at 7am or 8+
*
Yeap - previously some reported doing shortly after midnight and missing on the CB as well as some who say the system is slow (for BigPay top up). But later in the early morning hours should be OK.. only 4 more wks remaining btw.
celaw
post Dec 5 2018, 05:55 PM

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Week 18, 8th transaction 6.45am, got full RM50 cash back..
iamshf
post Dec 5 2018, 06:08 PM

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From: Sri Petaling
No wk18 cash back as expected .. 8x between 10.09 to 10.15
cybpsych
post Dec 5 2018, 07:30 PM

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user posted image

user posted image
coolguy99
post Dec 5 2018, 08:03 PM

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Didn't get Wk18 top up at 9am damn
thunderbird
post Dec 5 2018, 08:54 PM

SO what?
******
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From: KL
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
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
*
post 2 and 3

but ur high grocery, need other cards to supplement pbb's
TMZ
post Dec 5 2018, 09:22 PM

New Member
*
Newbie
4 posts

Joined: Sep 2018
QUOTE(ClarenceT @ Dec 5 2018, 02:33 PM)
Final chance
Maybank FCB VS RM2500 @ 2%
Maybank M2 Amex RM1000 @ 5%
SCB JOP RM1933
SCB Liverpool RM500
PBB VS RM633 X2 @ 6%
PBB QM RM600 X2 @ 5%

brows.gif
*
Hi, what does these means? The amount and the percent.

I'm interested to apply for PB CC and found these. Can some one please explain? Thanks

This post has been edited by TMZ: Dec 5 2018, 09:30 PM
thunderbird
post Dec 5 2018, 09:23 PM

SO what?
******
Senior Member
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Joined: Jan 2003
From: KL
QUOTE(cybpsych @ Dec 5 2018, 08:56 PM)
post 2 and 3

but ur high grocery, need other cards to supplement pbb's
*
thanks, will go for quantum, since i have Visa card from other bank.
talexeh
post Dec 5 2018, 09:46 PM

One man's meat is another man's poison.
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QUOTE(TMZ @ Dec 5 2018, 09:22 PM)
Hi, what does these means? The amount and the percent.

I'm interested to apply for PB CC and found these. Can some one please explain? Thanks
*
<Bank> <Card name> <Max spending to achieve max cashback> @ <Cashback %>
chonghe
post Dec 5 2018, 09:55 PM

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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
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
*
the 9am++ window already in jeopardy since week week16.

the surprising part is 8am+ window which caught a lot by surprise. rclxub.gif
starry
post Dec 5 2018, 10:11 PM

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QUOTE(ClarenceT @ Dec 5 2018, 02:33 PM)

PBB VS RM633 X2 @ 6%
PBB QM RM600 X2 @ 5%

brows.gif
*
QUOTE(talexeh @ Dec 5 2018, 09:46 PM)
<Bank> <Card name> <Max spending to achieve max cashback> @ <Cashback %>
*
Why X2 for PBB VS and PBB QM?
chonghe
post Dec 5 2018, 10:18 PM

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QUOTE(cybpsych @ Dec 5 2018, 10:03 PM)
the 9am++ window already in jeopardy since week week16.

the surprising part is 8am+ window which caught a lot by surprise. rclxub.gif
*
Surprise. Looks like my 05 Nov top up (WK 19) last trx at close to 9 a.m. also gone
Seems like need to be more kiasu now, top up once wake up in the morning, lol
ClarenceT
post Dec 5 2018, 10:30 PM

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QUOTE(starry @ Dec 5 2018, 10:11 PM)
Why X2 for PBB VS and PBB QM?
*
My message was to those intending to settle PTPTN by 31/12/2018.

PB's Rebate is based on statement month. So you can have 2x RM633/600 in Dec.
kremlin
post Dec 6 2018, 12:39 AM

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Missed out WK 18 too .. last transaction 8.17am .. sad.gif
hulu_hili
post Dec 6 2018, 01:20 AM

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Last transaction 5.33am
ayamback
post Dec 6 2018, 01:24 AM

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QUOTE(talexeh @ Dec 5 2018, 05:21 PM)
BigPay?
*
PBB Quantum Visa - the cashback is only for entertainment and departmental store shopping, isn't it?
I understand for PBB Quantum Mastercard we can use BigPay as it's considered online spending... but Quantum Visa also can meh?
beLIEve
post Dec 6 2018, 01:29 AM

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QUOTE(ayamback @ Dec 6 2018, 01:24 AM)
PBB Quantum Visa - the cashback is only for entertainment and departmental store shopping, isn't it?
I understand for PBB Quantum Mastercard we can use BigPay as it's considered online spending... but Quantum Visa also can meh?
*
#define VS "Visa Signature"
ayamback
post Dec 6 2018, 01:36 AM

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QUOTE(beLIEve @ Dec 6 2018, 01:29 AM)
#define VS "Visa Signature"
*
Ah that makes sense.. thanks!
MikeLeo
post Dec 6 2018, 07:34 AM

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If I overshoot my credit limit, will there be any charges?

eg: Credit limit for both quantum cards = RM 5,000
This credit statement spent = RM 5,500

Will they have any fees or charges?
I will be paying in full on each statement.
ClarenceT
post Dec 6 2018, 08:14 AM

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QUOTE(MikeLeo @ Dec 6 2018, 07:34 AM)
If I overshoot my credit limit, will there be any charges?

eg: Credit limit for both quantum cards = RM 5,000
This credit statement spent = RM 5,500

Will they have any fees or charges?
I will be paying in full on each statement.
*
You don't have to wait for statement.
Anytime you can pay in advance to avoid overshoot.
beebee1314
post Dec 6 2018, 08:49 AM

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QUOTE(ClarenceT @ Dec 5 2018, 03:56 PM)
PTPTN
*
Paiseh. I tot is another e-wallet that allows withdrawal

QUOTE(talexeh @ Dec 5 2018, 03:58 PM)
GrabPay.
*
Woo but cannot withdraw yet. Need wait till they introduce the physical card. But ya, I'm using grabpay anyway for some things eh payments since some places already accept grabpay scan.
lalachong
post Dec 6 2018, 08:51 AM

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seems like best bet is; all to top up from 00:01am Monday... before going to sleep... aha... wonder how many card users in LYN? 200? 300?
Just us here can easily finish half the MYR30k quota d.
peri peri
post Dec 6 2018, 09:00 AM

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QUOTE(ClarenceT @ Dec 5 2018, 02:33 PM)
Final chance
Maybank FCB VS RM2500 @ 2%
Maybank M2 Amex RM1000 @ 5%
SCB JOP RM1933
SCB Liverpool RM500
PBB VS RM633 X2 @ 6%
PBB QM RM600 X2 @ 5%

brows.gif
*
Ambank trueviasa RM1000 @3%

Hooray week 18 both acc received. done on 1am

TQ big big PBB
ClarenceT
post Dec 6 2018, 09:12 AM

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QUOTE(peri peri @ Dec 6 2018, 09:00 AM)
Ambank trueviasa RM1000 @3%

Hooray week 18 both acc received. done on 1am

TQ big big PBB
*
My message was to those intending to settle PTPTN in Dec 2018 to enjoy 20% discount.

Not Online transaction or Boost/BP top-up.

This post has been edited by ClarenceT: Dec 6 2018, 09:12 AM
MGM
post Dec 6 2018, 10:13 AM

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QUOTE(ClarenceT @ Dec 6 2018, 09:12 AM)
My message was to those intending to settle PTPTN in Dec 2018 to enjoy 20% discount.

Not Online transaction or Boost/BP top-up.
*
Very attractive offer, discount for loan.
ClarenceT
post Dec 6 2018, 10:16 AM

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QUOTE(MGM @ Dec 6 2018, 10:13 AM)
Very attractive offer, discount for loan.
*
Unfortunately I don't have PTPTN Loan to settle. smile.gif
SUSDavid83
post Dec 6 2018, 10:17 AM

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QUOTE(ClarenceT @ Dec 6 2018, 10:16 AM)
Unfortunately I don't have PTPTN Loan to settle. smile.gif
*
Let me correct you:
Fortunately I don't have PTPTN Loan to settle. smile.gif
Tigerr
post Dec 6 2018, 10:28 AM

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QUOTE(ClarenceT @ Dec 6 2018, 09:12 AM)
My message was to those intending to settle PTPTN in Dec 2018 to enjoy 20% discount.

Not Online transaction or Boost/BP top-up.
*
If my bank got such offer for my out standing loan.....tongue.gif
ClarenceT
post Dec 6 2018, 10:34 AM

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QUOTE(Tigerr @ Dec 6 2018, 10:28 AM)
If my bank got such offer for my out standing loan.....tongue.gif
*
Possible, you must default first, then force the bank to take haircut and write off the loss. biggrin.gif
LostAndFound
post Dec 6 2018, 10:43 AM

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QUOTE(David83 @ Dec 6 2018, 10:17 AM)
Let me correct you:
Fortunately I don't have PTPTN Loan to settle. smile.gif
*
I actually wish I'd taken PTPTN loan last time, such low interest rate can jump start finances.
janson_kaniaz
post Dec 6 2018, 10:53 AM

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QUOTE(ClarenceT @ Dec 5 2018, 02:33 PM)
Final chance
Maybank FCB VS RM2500 @ 2%
Maybank M2 Amex RM1000 @ 5%
SCB JOP RM1933
SCB Liverpool RM500
PBB VS RM633 X2 @ 6%
PBB QM RM600 X2 @ 5%

brows.gif
*
Why final chance ar? Are they revising the benefits soon?
ClarenceT
post Dec 6 2018, 10:54 AM

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QUOTE(janson_kaniaz @ Dec 6 2018, 10:53 AM)
Why final chance ar? Are they revising the benefits soon?
*
Last chance to settle PTPTN and get 20% discount.
herc
post Dec 6 2018, 11:10 AM

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06 DEC SPEND NOW 4 MORE - WK19 50.00 CR

last done 1:41am

This post has been edited by herc: Dec 6 2018, 11:11 AM
janson_kaniaz
post Dec 6 2018, 11:11 AM

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QUOTE(ClarenceT @ Dec 6 2018, 10:54 AM)
Last chance to settle PTPTN and get 20% discount.
*
oh haha okok

I'm still finding another cc good for online purchase, any recommendation?
talexeh
post Dec 6 2018, 11:16 AM

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06 DEC SPEND NOW 4 MORE - WK19 50.00 CR
Last transaction at 2.30am.

This post has been edited by talexeh: Dec 6 2018, 11:21 AM
sendohz
post Dec 6 2018, 11:19 AM

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WK19 RM50 last transaction 6.47am
ClarenceT
post Dec 6 2018, 11:20 AM

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QUOTE(janson_kaniaz @ Dec 6 2018, 11:11 AM)
oh haha okok

I'm still finding another cc good for online purchase, any recommendation?
*
SC JOP (+ SC Liverpool), RHB VS.
coolguy99
post Dec 6 2018, 11:20 AM

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Got it finally. Final top up at 1240am for week 19
tan_aniki
post Dec 6 2018, 11:23 AM

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06 DEC 06 DEC SPEND NOW 4 MORE - WK19 50.00 CR

Thanks PBB and BP~
As usual done all b4 7am~
beaverknight
post Dec 6 2018, 11:29 AM

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Did not get WK19. Last transaction on 0809hrs
ClarenceT
post Dec 6 2018, 11:30 AM

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QUOTE(beaverknight @ Dec 6 2018, 11:29 AM)
Did not get WK19. Last transaction on 0809hrs
*
3rd and 5th tx?
beaverknight
post Dec 6 2018, 11:31 AM

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QUOTE(ClarenceT @ Dec 6 2018, 11:30 AM)
3rd and 5th tx?
*
All within the same time frame. Started reloading on 0804hrs
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.
rdevil33
post Dec 6 2018, 11:57 AM

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Got full RM50 CB wk18 & 19
Last tranx
Wk18 - 5.57am
Wk19 - 12.39am

This post has been edited by rdevil33: Dec 6 2018, 11:58 AM
kimi28laren
post Dec 6 2018, 12:44 PM

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Can I own 1 card on Quantum instead of two?
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?
*
yes, call CS to cancel
hulu_hili
post Dec 6 2018, 01:01 PM

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No Wk 19 for me..
1st tranx 8.02am
8th tranx 8.18am
IceLeo
post Dec 6 2018, 01:25 PM

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got RM50 wk19 cash back.

8th transaction at 7.26am
tifosi
post Dec 6 2018, 01:30 PM

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Week 18 - 8.30am - No cashback
Week 19 - 2.47am - Cashback received
de_ghost
post Dec 6 2018, 01:36 PM

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Week 19 - RM50 last transaction 6:57am
celaw
post Dec 6 2018, 01:37 PM

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Wow.. seems like after 8am get nothing.. Competition so stiff nowadays...
attentional
post Dec 6 2018, 01:40 PM

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WEEK 19 full cashback. Last transaction 00:10am
celaw
post Dec 6 2018, 02:21 PM

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My transaction for Week19

3rd - 7.55am
5th - 7.56am
8th - 7.59am

Get NIL cash back..
vin_ann
post Dec 6 2018, 02:39 PM

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WEEK 19 full cashback. Last transaction 07:40am
janson_kaniaz
post Dec 6 2018, 02:41 PM

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QUOTE(celaw @ Dec 6 2018, 02:21 PM)
My transaction for Week19

3rd - 7.55am
5th - 7.56am
8th - 7.59am

Get NIL cash back..
*
QUOTE(vin_ann @ Dec 6 2018, 02:39 PM)
WEEK 19 full cashback. Last transaction 07:40am
*
So quota finished between 7.40am - 7.55am.
menime123
post Dec 6 2018, 02:51 PM

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06 DEC 06 DEC SPEND NOW 4 MORE - WK19 50.00 CR

Week 19 (5th Nov) - Last trx at 6.59am

Cukur
lootservice
post Dec 6 2018, 03:13 PM

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SPEND NOW 4 MORE - WK19 50.00 CR

Week 19 -Last transaction - 12.51am
jiaen0509
post Dec 6 2018, 03:19 PM

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SPEND NOW 4 MORE - WK19 50.00 CR

Last Transaction 6:41am

More competitive now...

This post has been edited by jiaen0509: Dec 6 2018, 03:21 PM
sysy
post Dec 6 2018, 04:07 PM

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week 18 - last txn 7.37am ,get rm50

This post has been edited by sysy: Dec 6 2018, 04:37 PM
peri peri
post Dec 6 2018, 04:12 PM

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wow, so good got wk 19 cb liao

all received. 1:00am vampire hours

macam getting tougher and early to deplete
janson_kaniaz
post Dec 6 2018, 04:23 PM

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QUOTE(sysy @ Dec 6 2018, 04:07 PM)
week 18 - last txn 7.37am
*
so did you get or not?
sysy
post Dec 6 2018, 04:37 PM

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QUOTE(janson_kaniaz @ Dec 6 2018, 04:23 PM)
so did you get or not?
*
i got the cashback, updated my ori post.
TongCN
post Dec 6 2018, 04:43 PM

Look ma, I have lots stars :D
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Left 3 weeks, gambateh to squeeze into TOP 600 biggrin.gif
attentional
post Dec 6 2018, 04:47 PM

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QUOTE(TongCN @ Dec 6 2018, 04:43 PM)
Left 3 weeks, gambateh to squeeze into TOP 600 biggrin.gif
*
4 weeks la
ClarenceT
post Dec 6 2018, 04:55 PM

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QUOTE(attentional @ Dec 6 2018, 04:47 PM)
4 weeks la
*
10/12, 17/12, 24/12.
janson_kaniaz
post Dec 6 2018, 04:57 PM

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QUOTE(attentional @ Dec 6 2018, 04:47 PM)
4 weeks la
*
this week no point gambateh anymore...
confuzan
post Dec 6 2018, 05:02 PM

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anybody win anything from the survey?

https://www.pbebank.com/pdf/Promotions/winn...en-rewards.aspx
attentional
post Dec 6 2018, 05:08 PM

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QUOTE(ClarenceT @ Dec 6 2018, 04:55 PM)
10/12, 17/12, 24/12.
*
31/12 ?
ClarenceT
post Dec 6 2018, 05:12 PM

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QUOTE(attentional @ Dec 6 2018, 05:08 PM)
31/12 ?
*
24/12 to 31/12 under same week!
joeaverage
post Dec 6 2018, 05:15 PM

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QUOTE(ClarenceT @ Dec 6 2018, 05:12 PM)
24/12 to 31/12 under same week!
*
24/12 is Monday and 31/12 is Monday. 2 mondays in 1 wk? tongue.gif smile.gif
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
*
will not matter anyway laugh.gif
talexeh
post Dec 6 2018, 05:17 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
*
Minggu 26 24 Dis - 31 Dis 2018 30,000

https://www.pbebank.com/pdf/Promotions/tc_c...ck-Q2-2018.aspx
patrickchun93
post Dec 6 2018, 06:14 PM

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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?
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?
*
longer than usual. usually 1 week approval + 1 week delivery.

just call if curious. no need ask us for permission to call smile.gif
ClarenceT
post Dec 6 2018, 06:40 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?
*
0321768000, IVR - key in your I/C number to check the application status.
Devil4life
post Dec 6 2018, 07:41 PM

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Week 19 didn't get anything (RM15). I only did 5 transactions - first 7.47am, last 7.51am.
!@#$%^
post Dec 6 2018, 08:43 PM

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QUOTE(vin_ann @ Dec 6 2018, 02:39 PM)
WEEK 19 full cashback. Last transaction 07:40am
*
QUOTE(Devil4life @ Dec 6 2018, 07:41 PM)
Week 19 didn't get anything (RM15). I only did 5 transactions - first 7.47am, last 7.51am.
*
between 7.40 and 7.47am finished.
babienn
post Dec 6 2018, 09:40 PM

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Hi guys, a friend of mine had just activated PBB Quantum 2 cards via phone call. She has a PBe account linking her saving/current account. However, it seems like there is no option to link the credit cards to her PBe?

Under "PB Card", there's only 3 options: PB Card Summary / Cancel Card / Create Card PIN. All of them showing error.
SUSDavid83
post Dec 6 2018, 09:41 PM

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QUOTE(babienn @ Dec 6 2018, 09:40 PM)
Hi guys, a friend of mine had just activated PBB Quantum 2 cards via phone call. She has a PBe account linking her saving/current account. However, it seems like there is no option to link the credit cards to her PBe?

Under "PB Card", there's only 3 options: PB Card Summary / Cancel Card / Create Card PIN. All of them showing error.
*
Please go to the nearest branch to link them.
talexeh
post Dec 6 2018, 09:43 PM

One man's meat is another man's poison.
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QUOTE(babienn @ Dec 6 2018, 09:40 PM)
Hi guys, a friend of mine had just activated PBB Quantum 2 cards via phone call. She has a PBe account linking her saving/current account. However, it seems like there is no option to link the credit cards to her PBe?

Under "PB Card", there's only 3 options: PB Card Summary / Cancel Card / Create Card PIN. All of them showing error.
*
Tried this?

Profile Maintenance > Add/Delete Account > Add > Credit/Debit Card.
babienn
post Dec 6 2018, 10:28 PM

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QUOTE(talexeh @ Dec 6 2018, 09:43 PM)
Tried this?

Profile Maintenance > Add/Delete Account > Add > Credit/Debit Card.
*
Thanks man, it works! rclxms.gif


QUOTE(David83 @ Dec 6 2018, 09:41 PM)
Please go to the nearest branch to link them.
*
Thought of that but super troublesome, thanks!
SUSDavid83
post Dec 6 2018, 10:36 PM

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QUOTE(babienn @ Dec 6 2018, 10:28 PM)
Thanks man, it works!  rclxms.gif
Thought of that but super troublesome, thanks!
*
If Profile Maintenance > Add/Delete Account > Add > Credit/Debit Card doesn't work, she really needs to go to the nearest branch.
babienn
post Dec 6 2018, 10:43 PM

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QUOTE(David83 @ Dec 6 2018, 10:36 PM)
If Profile Maintenance > Add/Delete Account > Add > Credit/Debit Card doesn't work, she really needs to go to the nearest branch.
*
Understood, thanks! thumbup.gif
wilson1149
post Dec 7 2018, 09:12 AM

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QUOTE(David83 @ Dec 6 2018, 09:41 PM)
Please go to the nearest branch to link them.
*
Hi,

How about Supp card with separate statement?

Can link together to my PBE?
SUSDavid83
post Dec 7 2018, 09:13 AM

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QUOTE(wilson1149 @ Dec 7 2018, 09:12 AM)
Hi,

How about Supp card with separate statement?

Can link together to my PBE?
*
I don't think so.
Perhaps others can comment on this.
vanitas
post Dec 7 2018, 09:19 AM

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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?
*
I applied in later date than you, and got notification on approved already.
jhlou
post Dec 7 2018, 09:28 AM

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QUOTE(wilson1149 @ Dec 7 2018, 09:12 AM)
Hi,

How about Supp card with separate statement?

Can link together to my PBE?
*
Nope cannot
smartly
post Dec 7 2018, 10:39 AM

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supp card need to register separate internet banking access ?
SUSDavid83
post Dec 7 2018, 10:41 AM

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QUOTE(smartly @ Dec 7 2018, 10:39 AM)
supp card need to register separate internet banking access ?
*
Supp card with separate statement.
wilson1149
post Dec 7 2018, 10:41 AM

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QUOTE(David83 @ Dec 7 2018, 09:13 AM)
I don't think so.
Perhaps others can comment on this.
*
Alright , thanks~

QUOTE(jhlou @ Dec 7 2018, 09:28 AM)
Nope cannot
*
So means if lets say i have 10 supp cards, i need to create 10 individual accounts? blink.gif

This post has been edited by wilson1149: Dec 7 2018, 10:42 AM
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
*
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.
wilson1149
post Dec 7 2018, 11:16 AM

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QUOTE(cybpsych @ Dec 7 2018, 10:47 AM)
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.
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Ok many thanks ! laugh.gif
jumping_jax
post Dec 7 2018, 02:49 PM

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Can someone recommend me a better cashback card than Visa Signature? Planning to close all my PB accounts due to frustration with online banking.
laymank
post Dec 7 2018, 03:06 PM

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QUOTE(jumping_jax @ Dec 7 2018, 02:49 PM)
Can someone recommend me a better cashback card than Visa Signature? Planning to close all my PB accounts due to frustration with online banking.
*
Card is good depending on individual's needs.

Suggest you post the question on https://forum.lowyat.net/topic/4161836 by following the template in post #2 and detailing out your requirement and/or expectation.
lwc629
post Dec 7 2018, 03:08 PM

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QUOTE(jumping_jax @ Dec 7 2018, 02:49 PM)
Can someone recommend me a better cashback card than Visa Signature? Planning to close all my PB accounts due to frustration with online banking.
*
mind to elaborate on your frustration?

better cashback card, it also depends on how and where you spend.
stevenkkh
post Dec 7 2018, 03:15 PM

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QUOTE(jumping_jax @ Dec 7 2018, 02:49 PM)
Can someone recommend me a better cashback card than Visa Signature? Planning to close all my PB accounts due to frustration with online banking.
*
This is so subjective as well depends on how much your spending and what category of spending as VS is till RM688++ to earn RM38.

You have can have HLB WISE, Maybank Barcelona etc....
laymank
post Dec 7 2018, 03:22 PM

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QUOTE(stevenkkh @ Dec 7 2018, 03:15 PM)
This is so subjective as well depends on how much your spending and what category of spending as VS is till RM688++ to earn RM38.

You have can have HLB WISE, Maybank Barcelona etc....
*
it's actually RM633.33.
vin_ann
post Dec 7 2018, 03:29 PM

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QUOTE(jumping_jax @ Dec 7 2018, 02:49 PM)
Can someone recommend me a better cashback card than Visa Signature? Planning to close all my PB accounts due to frustration with online banking.
*
It so suck that I use online banking for tracking purpose.
Never bother to use it when have M2U laugh.gif
talexeh
post Dec 7 2018, 04:25 PM

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QUOTE(laymank @ Dec 7 2018, 03:22 PM)
it's actually RM633.33.
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It's actually RM633.25.
MGM
post Dec 8 2018, 07:36 AM

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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.
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
patrickchun93
post Dec 8 2018, 11:31 AM

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QUOTE(vanitas @ Dec 7 2018, 09:19 AM)
I applied in later date than you, and got notification on approved already.
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When I call the hotline, it says still processing. I'll go to nearest branch on Tuesday to ask about it.
beLIEve
post Dec 8 2018, 11:46 AM

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QUOTE(patrickchun93 @ Dec 8 2018, 11:31 AM)
When I call the hotline, it says still processing. I'll go to nearest branch on Tuesday to ask about it.
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Done something like that before, and the branch calls the hotline to ask. You can save yourself a trip. Just do everything over the phone or goto the nearest card branch, not bank branch.
hakkai0810
post Dec 8 2018, 01:03 PM

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QUOTE(patrickchun93 @ Dec 8 2018, 11:31 AM)
When I call the hotline, it says still processing. I'll go to nearest branch on Tuesday to ask about it.
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going to branch wont help i think since the card processing is not at their side. I guess most efficient way is to call the CS and ask for status. If its more than 2 weeks, i think the CS will check for you otherwise they will told u processing time is 2 weeks bla bla bla
pluginbaby
post Dec 8 2018, 08:42 PM

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What's the average processing duration for application via email for PBB Quantum card?
Micky78
post Dec 8 2018, 08:48 PM

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rebate is monthly or quarterly? i didn't saw any rebate in my statement few mth de?
SUSDavid83
post Dec 8 2018, 08:53 PM

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QUOTE(Micky78 @ Dec 8 2018, 08:48 PM)
rebate is monthly or quarterly? i didn't saw any rebate in my statement few mth de?
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Monthly.
Following statement month.
iXora.ix
post Dec 8 2018, 09:51 PM

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QUOTE(pluginbaby @ Dec 8 2018, 08:42 PM)
What's the average processing duration for application via email for PBB Quantum card?
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I got my card after 3 weeks submit online
peri peri
post Dec 8 2018, 11:33 PM

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the rm288 shopee is tempting to get. but too much conditions hidden. now have to rely the cashback4u to cover the rejected rm288 voucher
terradrgn
post Dec 9 2018, 12:22 AM

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QUOTE(peri peri @ Dec 8 2018, 11:33 PM)
the rm288 shopee is tempting to get. but too much conditions hidden. now have to rely the cashback4u to cover the rejected rm288 voucher
*
your voucher claim rejected?
The conditions seem pretty clear to me..

This post has been edited by terradrgn: Dec 9 2018, 01:47 AM
beLIEve
post Dec 9 2018, 01:04 AM

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QUOTE(peri peri @ Dec 8 2018, 11:33 PM)
the rm288 shopee is tempting to get. but too much conditions hidden. now have to rely the cashback4u to cover the rejected rm288 voucher
*
Not sure about your case. My case was straightforward. A few cards like Visa Signature were not part of the promo. And I must apply 1 Visa + 1 Master. Send SMS, then spend accumulative 150 minimum on each card within 30 days. I avoided Visa Signature since I was unsure if "each card" means the more I apply, the more 150 I have to spend. After getting the 288 shoppee voucher only I applied for the VS.

This post has been edited by beLIEve: Dec 9 2018, 01:04 AM
hihihehe
post Dec 9 2018, 08:52 PM

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would u guys prefer to choose RM100 cashback or barry smith luggage campaign?
SUSDavid83
post Dec 9 2018, 09:17 PM

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QUOTE(hihihehe @ Dec 9 2018, 08:52 PM)
would u guys prefer to choose RM100 cashback or barry smith luggage campaign?
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Question to yourself: Do you want or like the luggage?
voncrane
post Dec 9 2018, 11:26 PM

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QUOTE(hihihehe @ Dec 9 2018, 08:52 PM)
would u guys prefer to choose RM100 cashback or barry smith luggage campaign?
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I don't need any extra baggage.. What I do need is extra cashback.. So... Clear answer. smile.gif
Bi-bimbap
post Dec 10 2018, 12:24 AM

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This post has been edited by Bi-bimbap: Dec 10 2018, 12:27 AM
MasBoleh!
post Dec 10 2018, 12:24 AM

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Does the rebate regarding to online transaction on Quantum card includes Lazada's wallet? Thank you
Bi-bimbap
post Dec 10 2018, 12:27 AM

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QUOTE(beLIEve @ Dec 9 2018, 01:04 AM)
Not sure about your case. My case was straightforward. A few cards like Visa Signature were not part of the promo. And I must apply 1 Visa + 1 Master. Send SMS, then spend accumulative 150 minimum on each card within 30 days. I avoided Visa Signature since I was unsure if "each card" means the more I apply, the more 150 I have to spend. After getting the 288 shoppee voucher only I applied for the VS.
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How long did it take for you to receive the voucher yea?
paogeh
post Dec 10 2018, 12:41 AM

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WK 18 -missed .....8,13AM ....
WK19 + RM50....12.07am ...last 7.10am ...
beLIEve
post Dec 10 2018, 12:49 AM

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QUOTE(Bi-bimbap @ Dec 10 2018, 12:27 AM)
How long did it take for you to receive the voucher yea?
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About 2-3 days after card statement that meets the spending criteria over SMS. Mine was first statement.
bibiboy
post Dec 10 2018, 12:54 AM

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Anyone can top up? I can't successfully top up my bigpay.
cybpsych
post Dec 10 2018, 12:55 AM

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QUOTE(bibiboy @ Dec 10 2018, 12:54 AM)
Anyone can top up? I can't successfully top up my bigpay.
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what issue?

refer to BP thread for info.
tan_aniki
post Dec 10 2018, 06:29 AM

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Problem topping up with BP…
After 2 transactions submitting the OTP, both showing BP website in the apps…
After that I pay the next 6 transactions with digi.
In the middle of doing the digi transactions, the BP apps successfully showing the notification of top up successfully after more than 10min of topping time…
Last transaction made on digi at UK time 10.22pm, 9/12/18.
Good night guys, hope you all can top up smoothly later.
MGM
post Dec 10 2018, 06:54 AM

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QUOTE(tan_aniki @ Dec 10 2018, 06:29 AM)
Problem topping up with BP…
After 2 transactions submitting the OTP, both showing BP website in the apps…
After that I pay the next 6 transactions with digi.
In the middle of doing the digi transactions, the BP apps successfully showing the notification of top up successfully after more than 10min of topping time…
Last transaction made on digi at UK time 10.22pm, 9/12/18.
Good night guys, hope you all can top up smoothly later.
*
Enjoy yourself in UK. thumbup.gif
JUst want to reconfirm, what are the necessary setting for your Digi mobile in order to topup BP in UK?
I intend to use my prepaid Digi in OZ(just to receive OTP without incurring cost) on dual SIM with Digi and Optus(Oz voice&data) and what I was informed is:
Set roaming ON.
Set data roaming OFF.
Set voicemail OFF.
Set Digi data plan > data usage OFF.


This post has been edited by MGM: Dec 10 2018, 07:04 AM
tan_aniki
post Dec 10 2018, 07:42 AM

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QUOTE(MGM @ Dec 10 2018, 06:54 AM)
Enjoy yourself in UK. thumbup.gif
JUst want to reconfirm, what are the necessary setting for your Digi mobile in order to topup BP in UK?
I intend to use my prepaid Digi in OZ(just to receive OTP without incurring cost) on dual SIM with Digi and Optus(Oz voice&data) and what I was informed is:
Set roaming ON.
Set data roaming OFF.
Set voicemail OFF.
Set Digi data plan > data usage OFF.
*
i'm using three network here to do the top up and using u mobile to receive the OTP while my digi i150 stay at home for the home cctv etc.
if you are just using to receive the OTP and your digi is prepaid, i think nothing need to be done on your side as the internet is very easily to get in UK.
if you are using xiaomi phone(i'm not sure with others but all should be using the same concept), there is a place to set which sim card you intended to use as internet, no need to set anything else after that.
ClarenceT
post Dec 10 2018, 07:49 AM

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QUOTE(MGM @ Dec 10 2018, 06:54 AM)
Enjoy yourself in UK. thumbup.gif
JUst want to reconfirm, what are the necessary setting for your Digi mobile in order to topup BP in UK?
I intend to use my prepaid Digi in OZ(just to receive OTP without incurring cost) on dual SIM with Digi and Optus(Oz voice&data) and what I was informed is:
Set roaming ON.
Set data roaming OFF.
Set voicemail OFF.
Set Digi data plan > data usage OFF.
*
Consider Digi Roam Pass, RM25 for 72 hours incl. 2GB data and 30 min call (roaming). It may be cheaper than getting a local SIM.
tan_aniki
post Dec 10 2018, 08:12 AM

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QUOTE(ClarenceT @ Dec 10 2018, 07:49 AM)
Consider Digi Roam Pass, RM25 for 72 hours incl. 2GB data and 30 min call (roaming). It may be cheaper than getting a local SIM.
*
https://hello1010.my/country/europe-23/united-kingdom.html

i'm using the 30 days one with 2nd sim at RM130 and total 6% off.
this sim is still cheaper than digi roaming pass if stay more than 18 days.
IceLeo
post Dec 10 2018, 10:53 AM

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QUOTE(tan_aniki @ Dec 10 2018, 06:29 AM)
Problem topping up with BP…
After 2 transactions submitting the OTP, both showing BP website in the apps…
After that I pay the next 6 transactions with digi.
In the middle of doing the digi transactions, the BP apps successfully showing the notification of top up successfully after more than 10min of topping time…
Last transaction made on digi at UK time 10.22pm, 9/12/18.
Good night guys, hope you all can top up smoothly later.
*
Bigpay Sunday midnight top up is always like that..
as long as u key in the TAC code already.. it consider successful top up..
Bi-bimbap
post Dec 10 2018, 10:59 AM

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QUOTE(beLIEve @ Dec 10 2018, 12:49 AM)
About 2-3 days after card statement that meets the spending criteria over SMS. Mine was first statement.
*
I see. If I top up BigPay RM 150 x2 (RM 150 - Quantum Mastercard, RM 150 Quantum Visa), should meet spending criteria too right? Just wanna be safe, so check beforehand biggrin.gif
beLIEve
post Dec 10 2018, 11:14 AM

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QUOTE(Bi-bimbap @ Dec 10 2018, 10:59 AM)
I see. If I top up BigPay RM 150 x2 (RM 150 - Quantum Mastercard, RM 150 Quantum Visa), should meet spending criteria too right? Just wanna be safe, so check beforehand  biggrin.gif
*
Not sure. Others who tried it before can share.

I normally avoid such transactions. Bank has the final say to allow/reject. I even avoided TNB and phone bills. $300 in 60 days isn't a lot.

https://www.pbebank.com/pdf/Promotions/tc_m...mpaign-(1).aspx
QUOTE
6. Eligible Cardmembers must apply for both PB/PIB Visa and Mastercard Credit Card (this clause is not applicable for PB Visa Signature Credit Card / PB-Petron Visa Gold Credit Card / PB-AIA Visa Gold Credit Card / Mutual Gold-PB Visa Platinum Credit Card).

I finally found the part why they said Visa Signature is not part of the campaign. Still, the clause above is unclear to me. Could also mean don't need to apply 2 cards if choose the 3 cards above.
MGM
post Dec 10 2018, 11:23 AM

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QUOTE(ClarenceT @ Dec 10 2018, 07:49 AM)
Consider Digi Roam Pass, RM25 for 72 hours incl. 2GB data and 30 min call (roaming). It may be cheaper than getting a local SIM.
*
QUOTE(tan_aniki @ Dec 10 2018, 08:12 AM)
https://hello1010.my/country/europe-23/united-kingdom.html

i'm using the 30 days one with 2nd sim at RM130 and total 6% off.
this sim is still cheaper than digi roaming pass if stay more than 18 days.
*
I bought Optus SIM online only Aud10 for 28 days expiry, 10GB data and unlimited Oz calls n SMS. Sent to sis place n activated from Malaysia.
sysy
post Dec 10 2018, 11:37 AM

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https://www.pbebank.com/pdf/Promotions/tc_m...mpaign-(1).aspx

I finally found the part why they said Visa Signature is not part of the campaign. Still, the clause above is unclear to me. Could also mean don't need to apply 2 cards if choose the 3 cards above.
*

[/quote]


The clause above should be referring to if you apply VS, you don't need to apply both master & visa card.

This post has been edited by sysy: Dec 10 2018, 11:38 AM
fruitie
post Dec 10 2018, 11:40 AM

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QUOTE(MGM @ Dec 10 2018, 06:54 AM)
Enjoy yourself in UK. thumbup.gif
JUst want to reconfirm, what are the necessary setting for your Digi mobile in order to topup BP in UK?
I intend to use my prepaid Digi in OZ(just to receive OTP without incurring cost) on dual SIM with Digi and Optus(Oz voice&data) and what I was informed is:
Set roaming ON.
Set data roaming OFF.
Set voicemail OFF.
Set Digi data plan > data usage OFF.
*
sweat.gif You have asked few times right? Yes, you will receive SMS so long your roaming is activated.
lamode
post Dec 10 2018, 11:40 AM

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I am surprised that I actually got 1.5k rebate from PBB VS in a year laugh.gif brows.gif icon_idea.gif
I guess those getting full or almost full CB4U must be around 3k already sweat.gif


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tbheng
post Dec 10 2018, 12:06 PM

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QUOTE(tan_aniki @ Dec 10 2018, 06:29 AM)
Problem topping up with BP…
After 2 transactions submitting the OTP, both showing BP website in the apps…
After that I pay the next 6 transactions with digi.
In the middle of doing the digi transactions, the BP apps successfully showing the notification of top up successfully after more than 10min of topping time…
Last transaction made on digi at UK time 10.22pm, 9/12/18.
Good night guys, hope you all can top up smoothly later.
*
Hi, just curious, since UK is 8hr behind MY, so when u did that 10:22pm 9-Dec trans, u should still receive otp with timestamp of 6:22am 10-Dec and not the UK timestamp, correct?
beLIEve
post Dec 10 2018, 12:13 PM

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QUOTE(tbheng @ Dec 10 2018, 12:06 PM)
Hi, just curious, since UK is 8hr behind MY, so when u did that 10:22pm 9-Dec trans, u should still receive otp with timestamp of 6:22am 10-Dec and not the UK timestamp, correct?
*
If he wait until 12am UK time, habuk pun tarak loh. i.e. weekly allocation finish.

They say it follows the payment gateway's local time, not user's local time.
ang1222
post Dec 10 2018, 01:07 PM

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anyone able to get waiver on the service tax ?
beLIEve
post Dec 10 2018, 01:13 PM

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QUOTE(ang1222 @ Dec 10 2018, 01:07 PM)
anyone able to get waiver on the service tax ?
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Nope. But the lore says that if you spend sufficient amount (4k for Quantum, 8k for Signature) per annum, you can get the bank to sponsor your service tax.
ang1222
post Dec 10 2018, 01:16 PM

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QUOTE(beLIEve @ Dec 10 2018, 02:13 PM)
Nope. But the lore says that if you spend sufficient amount (4k for Quantum, 8k for Signature) per annum, you can get the bank to sponsor your service tax.
*
i think 1 year i spend more than 4k for quantum (master but not visa).
so means most probably will only get 1 waiver ? thinking of call to CS later

This post has been edited by ang1222: Dec 10 2018, 01:17 PM
beLIEve
post Dec 10 2018, 01:19 PM

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QUOTE(ang1222 @ Dec 10 2018, 01:16 PM)
i think 1 year i spend more than 4k for quantum (master but not visa).
so means most probably will only get 1 waiver ? thinking of call to CS later
*
Yes that is correct. And do call them. No harm asking for the Visa. If they feel generous, you save another $25.
tan_aniki
post Dec 10 2018, 02:13 PM

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QUOTE(tbheng @ Dec 10 2018, 12:06 PM)
Hi, just curious, since UK is 8hr behind MY, so when u did that 10:22pm 9-Dec trans, u should still receive otp with timestamp of 6:22am 10-Dec and not the UK timestamp, correct?
*
yup, it's depends on bank local time, not users local time.
when i key in the otp it shown 10/12/18, not 9/12/18.
tbheng
post Dec 10 2018, 02:21 PM

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QUOTE(tan_aniki @ Dec 10 2018, 02:13 PM)
yup, it's depends on bank local time, not users local time.
when i key in the otp it shown 10/12/18, not 9/12/18.
*
Thanks for confirmation. That helps when I go oversea next time. thumbup.gif
guy3288
post Dec 10 2018, 02:51 PM

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QUOTE(lamode @ Dec 10 2018, 11:40 AM)
I am surprised that I actually got 1.5k rebate from PBB VS in a year  laugh.gif  brows.gif  icon_idea.gif
I guess those getting full or almost full CB4U must be around 3k already  sweat.gif
*
yes, around there, my main card and a major sup card
MGM
post Dec 10 2018, 02:55 PM

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QUOTE(fruitie @ Dec 10 2018, 11:40 AM)
sweat.gif You have asked few times right? Yes, you will receive SMS so long your roaming is activated.
*
Uncle memory not good, getting old, always want assurance to avoid mistakes. Thanks. Roaming I was told by CS is activated on default.
lkwah86
post Dec 10 2018, 03:19 PM

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Why Shopee is not given cash back?

This post has been edited by lkwah86: Dec 10 2018, 03:21 PM


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