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Credit Cards Public Bank Credit Cards V6, PB Visa Sig 3% & Quantum 2% Cash Back

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theozis
post Aug 11 2019, 01:09 PM

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QUOTE(DarReNz @ Jun 30 2019, 05:19 PM)
user posted image

user posted image

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.
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appreciate if you could update quantum new tnc at 1st page

tan_aniki
post Aug 11 2019, 01:12 PM

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QUOTE(ClarenceT @ Aug 11 2019, 11:28 AM)
Most likely no contactless CB, as someone checked with CS. Wait for official PDS/T&C.
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it doesn't matter, CS can't confirm the answer, as long as there is "Contactless transaction" on the receipt, even with wave & pin still consider as contactless payment
leootan
post Aug 11 2019, 01:44 PM

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Actually, with the new QV revision come effect after 1st September 2019, 5% cash back for contactless transaction, with the maximum cap of RM 30 monthly, equivalent to a total amount of RM 600 contactless transaction per month, not very hard to achieve right? Don really need to reset with pin transaction ya?

I mean..... if of course the whole month you only have that one day chance to do that contactless transaction of total sum > RM 600, and ya, you might need to pin transaction to reset.
ClarenceT
post Aug 11 2019, 02:05 PM

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QUOTE(theozis @ Aug 11 2019, 01:09 PM)
appreciate if you could update quantum new tnc at 1st page
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Still valid.
New rules only effective from 1/9.
cybpsych
post Aug 11 2019, 02:18 PM

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QUOTE(cybpsych @ Aug 8 2019, 11:08 AM)
9 times or rm500 cumulative limit, whichever earlier

reset with pin
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QUOTE(leootan @ Aug 11 2019, 01:44 PM)
Actually, with the new QV revision come effect after 1st September 2019, 5% cash back for contactless transaction, with the maximum cap of RM 30 monthly, equivalent to a total amount of RM 600 contactless transaction per month, not very hard to achieve right? Don really need to reset with pin transaction ya?

I mean..... if of course the whole month you only have that one day chance to do that contactless transaction of total sum > RM 600, and ya, you might need to pin transaction to reset.
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you will still hit some limits
Lingohal
post Aug 11 2019, 04:07 PM

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QUOTE(wym6977 @ Aug 11 2019, 07:51 AM)
Seems a brilliant idea smile.gif

Also the count will reset whenever there is pin input right? (eg after cumulative wave counts (9) or cumulative amount limit RM500, above RM250..)

BTW any better way to keep track the contacless counts so that we can plan to do the reset accordingly?
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Yes, the count will reset when there is pin input. I use Samsung Pay instead of physical card wave. So when my transaction is more than RM250, the terminal will trigger me to enter pin. In that case, my count will reset too. For me, I do my own tracking. If you do less than 9 wave transactions per week, you could just make it a habit to reset it at the petrol kiosk every time/week you pump your petrol. I have been doing it for more than a year now since I started using Samsung Pay.

QUOTE(kart @ Aug 11 2019, 08:23 AM)
Sorry for the silly questions. I just want to make sure that I have the same understanding as yours.

After keying in PIN and press 'Ok', the credit card terminal will show 'Processing' status. At this point, I should quickly press 'cancel' on the terminal, right?

As such, at rare event when the network is fast enough, the transaction may be approved. But, this is just a small risk to take. smile.gif
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After processing, it will show that the bank has approved. Then the screen will show that you can start to pump your petrol. Only then I press the cancel button. Lifting up the pump and putting it back without pumping will also cancel the transaction. I have only tried at BHP and Shell. Try to do it once at Petronas but I couldn't find the cancel button, so in the end I just pumped.

QUOTE(jefftan4888 @ Aug 11 2019, 08:37 AM)
3. What do I need to do when I reached my limit of RM500?

When your cumulative contactless transactions have reached RM500, you are required:
• To perform another transaction with PIN entry at the Point-of-Sale (POS) terminal OR;
To perform ATM transaction with PIN entry

Once either action has been made, the limit will be reset automatically.

CONTACTLESS FUNCTIONALITY FAQs: https://forum.lowyat.net/uploads/attach-49/...-1565483846.jpg

[attachmentid=10298244]
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I have tried at ATM before. No, it didn't reset it.

This post has been edited by Lingohal: Aug 11 2019, 04:19 PM
jefftan4888
post Aug 11 2019, 04:18 PM

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QUOTE(Lingohal @ Aug 11 2019, 04:07 PM)
Yes, the count will reset when there is pin input. I use Samsung Pay instead of physical card wave. So when my transaction is more than RM250, the terminal will trigger me to enter pin. In that case, my count will reset too. For me, I do my own tracking. If you do less than 9 wave transactions per week, you could just make it a habit to reset it at the petrol kiosk every time/week you pump your petrol.
After processing, it will show that the bank has approved. Then the screen will show that you can start to pump your petrol. Only then I press the cancel button. Lifting up the pump and putting it back without pumping will also cancel the transaction. I have only tried at BHP and Shell. Try to do it once at Petronas but I couldn't find the cancel button, so in the end I just pumped.
I have tried at ATM before. No, it didn't reset it.
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Can't cancel @ Petronas for my JOP yesterday as well. I guess something wrong with Petronas system.

What had you tried @ ATM?
Lingohal
post Aug 11 2019, 04:23 PM

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QUOTE(jefftan4888 @ Aug 11 2019, 04:18 PM)
Can't cancel @ Petronas for my JOP yesterday as well. I guess something wrong with Petronas system.

What had you tried @ ATM?
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I have tried it at ATM, but that was more than a year ago when I started using Samsung Pay. The count was not reset with ATM. So for the past one year, I have been using petrol kiosk for resetting. All the while I have been using BHP, then Shell recently. Petronas I just tried once very recently and since I couldn't cancel it, I don't think I'll try that again. 😜

I can't recall clearly what I did at the ATM machine, probably just check balance, going through the menu, etc. So I guess if ATM works, maybe got to withdraw?

This post has been edited by Lingohal: Aug 11 2019, 04:24 PM
klchoy
post Aug 11 2019, 05:55 PM

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Any idea if top up e wallet got CB for VS and quantum card?
rojakwhacker
post Aug 11 2019, 06:42 PM

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QUOTE(jefftan4888 @ Aug 11 2019, 04:18 PM)
Can't cancel @ Petronas for my JOP yesterday as well. I guess something wrong with Petronas system.
What had you tried @ ATM?
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QUOTE(Lingohal @ Aug 11 2019, 04:23 PM)
I have tried it at ATM, but that was more than a year ago when I started using Samsung Pay. The count was not reset with ATM. So for the past one year, I have been using petrol kiosk for resetting. All the while I have been using BHP, then Shell recently. Petronas I just tried once very recently and since I couldn't cancel it, I don't think I'll try that again. 😜
I can't recall clearly what I did at the ATM machine, probably just check balance, going through the menu, etc. So I guess if ATM works, maybe got to withdraw?
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For the Petronas kiosk, it is different. Yes, confirmed you can't cancel it by pressing the cancel button or lift up the pump and putting it back. Only forward is to do pump then putting it back should stop to transaction. I did it below RM1 just to get the receipt.

If you choose withdraw by using credit card at atm, that gonna cost interest charge as the transaction should be cash advance right? No don't do withdraw.

QUOTE(klchoy @ Aug 11 2019, 05:55 PM)
Any idea if top up e wallet got CB for VS and quantum card?
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Use Quantum visa card on ewallet transaction can't get cashback.
vez
post Aug 11 2019, 06:57 PM

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QUOTE(klchoy @ Aug 11 2019, 05:55 PM)
Any idea if top up e wallet got CB for VS and quantum card?
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QUOTE(rojakwhacker @ Aug 11 2019, 06:42 PM)
For the Petronas kiosk, it is different. Yes, confirmed you can't cancel it by pressing the cancel button or lift up the pump and putting it back. Only forward is to do pump then putting it back should stop to transaction. I did it below RM1 just to get the receipt.

If you choose withdraw by using credit card at atm, that gonna cost interest charge as the transaction should be cash advance right? No don't do withdraw.
Use Quantum visa card on ewallet transaction can't get cashback.
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VS and Quantum Master Yes smile.gif Quantum Visa before revise TnC also not entitle... after revised also same

This post has been edited by vez: Aug 11 2019, 06:57 PM
leootan
post Aug 11 2019, 08:23 PM

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QUOTE(cybpsych @ Aug 11 2019, 02:18 PM)
you will still hit some limits
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Oh! I missed that 9 times transaction thing. So yup, eventually still need pin transaction to reset it in between some contactless transactions. But yup, if average each contactless transaction > RM 70, then 9 times can achieve the max RM 30 CB ald. Then QV can keep in drawer till next month ald.


cybpsych
post Aug 11 2019, 10:08 PM

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QUOTE(leootan @ Aug 11 2019, 08:23 PM)
Oh! I missed that 9 times transaction thing. So yup, eventually still need pin transaction to reset it in between some contactless transactions. But yup, if average each contactless transaction > RM 70, then 9 times can achieve the max RM 30 CB ald. Then QV can keep in drawer till next month ald.
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still hit the rm500 cumulative limit
kart
post Aug 11 2019, 10:55 PM

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QUOTE(Lingohal @ Aug 11 2019, 04:07 PM)

After processing, it will show that the bank has approved. Then the screen will show that you can start to pump your petrol. Only then I press the cancel button. Lifting up the pump and putting it back without pumping will also cancel the transaction. I have only tried at BHP and Shell. Try to do it once at Petronas but I couldn't find the cancel button, so in the end I just pumped.
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Thank you very much for your in-depth description of your method. notworthy.gif

Since it is approved, a tiny amount of the credit limit will be reserved. Maybe, after the acquirer bank of the petrol station voids the transaction, the credit limit will be restored a few days later. Then again, this is just a very minor issue, that can be neglected. smile.gif

saitong09
post Aug 11 2019, 11:06 PM

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QUOTE(jefftan4888 @ Aug 11 2019, 12:11 PM)
Cancelled PB QV in Jun. Sent email to CS this morning & told them my intention to reapply the card due to revised feature.

Let see how soon I can get the card or maybe my request will be rejected by bank.
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You didn't try to re-instate the old card instead of re-apply?
Lingohal
post Aug 12 2019, 12:21 AM

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QUOTE(kart @ Aug 11 2019, 10:55 PM)
Thank you very much for your in-depth description of your method.  notworthy.gif

Since it is approved, a tiny amount of the credit limit will be reserved. Maybe, after the acquirer bank of the petrol station voids the transaction, the credit limit will be restored a few days later. Then again, this is just a very minor issue, that can be neglected. smile.gif
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Usually the kiosk pump will hold RM200 when you pump, but if I cancel, there is no holding of RM200. I did check online if there is any authorised amount, but there isn't any, which is good.
eddievh
post Aug 12 2019, 12:41 AM

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QUOTE(Lingohal @ Aug 12 2019, 12:21 AM)
Usually the kiosk pump will hold RM200 when you pump, but if I cancel, there is no holding of RM200. I did check online if there is any authorised amount, but there isn't any, which is good.
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Deleted, found my answer

This post has been edited by eddievh: Aug 12 2019, 12:50 AM
jefftan4888
post Aug 12 2019, 12:42 AM

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QUOTE(saitong09 @ Aug 11 2019, 11:06 PM)
You didn't try to re-instate the old card instead of re-apply?
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I’ll call CS on Tue. Actually I’m still keeping the card.
leootan
post Aug 12 2019, 09:29 AM

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QUOTE(cybpsych @ Aug 11 2019, 10:08 PM)
still hit the rm500 cumulative limit
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Thank you so much for your reply. It helps a lot.
saitong09
post Aug 12 2019, 11:47 AM

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QUOTE(jefftan4888 @ Aug 12 2019, 12:42 AM)
I’ll call CS on Tue. Actually I’m still keeping the card.
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Let me know the outcome, wondering If I can do the same for my QV cancelled last year tongue.gif

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