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

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ClarenceT
post Aug 16 2024, 03:01 PM

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QUOTE(TongCN @ Aug 16 2024, 02:58 PM)
Cause dun wan spending (?)  whistling.gif
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ShopeePay only for Shopee transactions meh?
You don't use ShopeePay at retail outlets eg petrol stations, grocery shops, F&B etc.? (Pink Duitnow QR merchants)

This post has been edited by ClarenceT: Aug 16 2024, 03:06 PM
ClarenceT
post Aug 20 2024, 03:48 PM

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QUOTE(jwongsy90 @ Aug 20 2024, 02:17 PM)
Hi, for pbe campaign mentioned need to spend on e-commerce transaction but not e-wallet top up, may I know pay to prudential count as e-commerce? Or I can pay bill using shopee linked to card?
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Always read T&C before participating.
Not sure which campaign you are talking about.

Most of the time (not always), Insurance transaction is EXCLUDED.

For PB CC/DC (not applicable to other banks), it is better you pay bills at Lazada App instead of Shopee App (Airpay) because Shopee transactions using PB CC/DC would be channelled to a gateway using UTC Time zone, i.e. transaction between 12am-8am will be dated 1 day earlier.

Also, if you refer to Visa-Cyber campaign, please take note that PB Visa Signature and Public Islamic Bank Visa are EXCLUDED as well.

This post has been edited by ClarenceT: Aug 20 2024, 04:21 PM
ClarenceT
post Aug 21 2024, 03:13 PM

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QUOTE(kevyeoh @ Aug 21 2024, 03:00 PM)
for the Visa Cyber....i better don't purchase this Friday and go for the last month right?
because it is the last week of the month...and also got chance quota finish already...
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At your own risk. smile.gif
ClarenceT
post Aug 22 2024, 05:22 PM

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QUOTE(Tanxy @ Aug 22 2024, 04:55 PM)
My problem with them is that for the second instance it wasn't a backdating issue and in any case their practice was inconsistent. Also when I pointed out that their T&C only says "statement cycle" so therefore the posting/transaction date point shouldn't be an issue, they actually said they will never put it in their cardholder agreement. Like that easy lo for them to just arbitrarily record the dates so they can avoid paying out cashback, no? After all the customer can't control the posting date and whenever the system wants to capture the so-called transaction date.
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Shopee/ShopeePay transactions can be posted a few days later, not always the same day or T+1.

Monthly CB has nothing to do with transaction dates, CB is calculated for all posted transaction at the end of statement date.
ClarenceT
post Aug 23 2024, 10:00 AM

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QUOTE(drbone @ Aug 23 2024, 09:54 AM)
RM0 PBB/PIBB: Get RM80 Cash Back with minimum spend of RM1K on Automobile & Entertainment categories via PB Visa Credit Cards. SMS 'PBVHR' to 68333. T&Cs apply.
Anyone else got the above msg yesterday?
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Today already 23rd. Should be late for this month.
Spend on 1/9 (but it is a Sunday, good for those in Johor and PAS states).

This post has been edited by ClarenceT: Aug 23 2024, 10:04 AM
ClarenceT
post Aug 26 2024, 01:59 PM

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QUOTE(kevyeoh @ Aug 26 2024, 01:53 PM)
gais....wanna ask about the Cyber Delight promo...

so next week Aug 30 is the start of the 3rd month campaign and it is until Sept 29... means between Aug 30 to sept 29, as long as I spend cumulative RM1k...eligible for the promo right?

Thanks!

Just trying to check if the month spending here is the calendar month of the promo month...
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Not from 30/8 to 29/9
But 30/8-1/9 & 6/9-8/9 & ... & 27/9-29/9.

But do it at 30/8 morning only if you want to win.

This post has been edited by ClarenceT: Aug 26 2024, 02:02 PM
ClarenceT
post Aug 26 2024, 02:25 PM

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QUOTE(kevyeoh @ Aug 26 2024, 02:06 PM)
I am referring to the monthly minimum accumulated spend of RM1k....

within that defined 3rd month (Aug 30 to Sep 29), as long as i have cumulative spend RM1k and above...then I will qualify for the cyber delight spend on the specific 3 days weekend every week...

My plan is to try this coming Friday, but won't spend total RM1k...i can slowly spend collect until RM1k as long as before Sep 29 ...

thank you

p/s: the accumulated retail transaction example also already shown in the PDF file.... i just want to confirm here the 1 month is referring to calendar month...or the campaign defined 3rd month...
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I didn't find Monthly 3 spendings (RM1000) accepted on Monday-Thursday. To be safe, spend on Friday-Sunday.
ClarenceT
post Aug 30 2024, 07:08 PM

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QUOTE(Wolgie @ Aug 30 2024, 05:39 PM)
Now only see, hope not too late
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You can target MasterCard Petrol/Dining 1/9.
PBMU 20% CB

This post has been edited by ClarenceT: Aug 30 2024, 07:09 PM
ClarenceT
post Sep 1 2024, 04:01 PM

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QUOTE(Human Nature @ Sep 1 2024, 03:06 PM)
Is there a limit to how many times can pump petrol in a day? I pumped 3x already and got declined on the 4th pump.
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Don't go to the same station.
ClarenceT
post Sep 1 2024, 09:32 PM

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QUOTE(Human Nature @ Sep 1 2024, 08:11 PM)
End up paying 260 for dinner, more than enough for max cb. Could have used wise for petrol 😅
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Mine 299 for dinner, then use HLB Wise for Petrol. smile.gif
ClarenceT
post Sep 6 2024, 10:31 AM

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QUOTE(sjz @ Sep 6 2024, 10:28 AM)
Request for Rebate to offset the SST.

if they tell no longer provide, cn request them to find for any available rebate campaign.

some cs will provide you conditional SST rebate, by spend condition for eg RM500 spend.

or ask them submit SST rebate for mgmt approval.
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Yes before July.
Now not so easy.
ClarenceT
post Sep 6 2024, 10:37 AM

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QUOTE(sjz @ Sep 6 2024, 10:32 AM)
i managed to get for all cards, 2 in Aug, 1 in Sept.
mayb depending on the Cs.

for eg if get Yoong, we just hang up and call again  tongue.gif
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Still possible but depends on card usage and luck.
That's why I said not so easy now, better cancel not-so-active cards.
ClarenceT
post Sep 10 2024, 03:34 PM

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QUOTE(sjz @ Sep 6 2024, 10:43 AM)
for my not-so-active cards.
my strategy is not using it at all once SST charged, call to request.

if unable to get SST rebate, then straight cancel the card.

surprisingly, my not-so-active card, they offer spend RM500 for SST rebate  tongue.gif
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QUOTE(Human Nature @ Sep 6 2024, 02:50 PM)
Reading about SST made me realize that my QV was charged with SST few days ago. Called up CS and got it reflected within minutes.
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QUOTE(loneranger80 @ Sep 9 2024, 06:48 PM)
Me too, been told before no more offer SST rebate, probably policy change whistling.gif
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QUOTE(g00glesYYl @ Sep 9 2024, 07:35 PM)
mean you manage to waive it? Can share the excuses you use? haha
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I just called 0321708000 to ask for RM25 SST Credit X3.
Yes I got RM25/card credit for Quantum Visa & MasterCard. Both actively used.
For another not-so-active Visa Signature (Supplementary), need to spend RM500 on retail within 60 days.

This post has been edited by ClarenceT: Sep 10 2024, 03:37 PM
ClarenceT
post Sep 13 2024, 05:13 PM

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QUOTE(ClarenceT @ Sep 9 2024, 04:45 PM)
Month 1 (July) credited.
My last fuel transaction: 13/7/24.
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QUOTE(kop2299 @ Sep 10 2024, 08:53 AM)
last transaction on 20/7
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QUOTE(sg8989 @ Sep 13 2024, 12:51 AM)
Wow congratulation able to get full cash back.

Must spend at 1st week else quota will be finished? when is your last spend?
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ClarenceT
post Sep 13 2024, 06:51 PM

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QUOTE(KingArthurVI @ Sep 13 2024, 06:10 PM)
I don’t spend the whole credit limit but the limit is quite low for my income. I’m sole prop so they initially gave me low limit, but I now have a few years of business income to justify the increase. Another reason is coz I spend more than 50% of the limit on a monthly basis (paid in full every time), and that reflects poorly on credit report but the reality is I can afford it
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Apply for a new Public Bank credit card eg Visa Infinite, World Mastercard or Quantum etc with your Form B 2023. Your credit line will be automatically reviewed by Card Centre. Your new CC will have higher credit limit, the credit limit for VS remain unchanged (unless you request it).

Eg. Your existing CL for VS RM20000.
Apply for Quantum based on latest income documents, your CL for Quantum Visa/MC is RM50000.
So your COMBINED credit limit (for all cards) is RM50000 but you may use up to RM20000 for VS only.

P/S: my CL for QV/QM (platinum level) is higher than VS. A bit strange but it is true.



ClarenceT
post Sep 13 2024, 07:46 PM

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QUOTE(sg8989 @ Sep 13 2024, 07:38 PM)
Does PB islamic and PB consider same body?
I have PB islamic card , i wish to apply Petron visa gold
But the banker (whatapp) told me need walk in to add card
hmm.gif
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Separate credit limit
ClarenceT
post Sep 13 2024, 08:04 PM

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QUOTE(sg8989 @ Sep 13 2024, 08:01 PM)
Noted

What do you think about this campaign?

https://www.pbebank.com/media/hqokdm5r/tc_c...quisition24.pdf

Do i still entitle this campaign? I have PB islamic only and going to apply PB card.
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You are an existing cardmember to Public Bank Card Centre.
ClarenceT
post Sep 20 2024, 09:51 AM

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QUOTE(xiaomoon @ Sep 20 2024, 08:15 AM)
i think cybe delight already no more quota
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Bundled with Lazada Vouchers -10% released today, surprising can be used for Unifi, water or electricity (except TNB). smile.gif
Eg pay Unifi RM500 with -10% Lazada voucher, charged to PB CC RM450 only.

This post has been edited by ClarenceT: Sep 20 2024, 09:53 AM
ClarenceT
post Sep 20 2024, 11:08 AM

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QUOTE(MGM @ Sep 20 2024, 10:33 AM)
Since 12am today, my lazada unifi temporary unavailable until now. Should have used shopee-unifi. Well next friday final chance.
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Shopee-Unifi only AFTER 8am ya. Otherwise dated 1 day earlier.
Also -RM30 (-3000 Shopee Coins) only, compared to Lazada-Unifi -10% capped at -RM100.
ClarenceT
post Sep 20 2024, 12:04 PM

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QUOTE(MGM @ Sep 20 2024, 11:25 AM)
But laz-unifi temporary not available to my account, dont know why.
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Cyber campaign too risky, if all the winners get RM80 CB, only 125 winners per week. Also can win RM80 (max) only for the campaign period, not RM80 every week.

If Lazada voucher -10% still allowed for bill payment this weekend, with M2 AMEX can get 14.5% savings (with Amex-i get 17.2% savings).

This post has been edited by ClarenceT: Sep 20 2024, 12:06 PM

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