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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 Apr 7 2025, 12:48 PM

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QUOTE(leanman @ Apr 7 2025, 12:45 PM)
SMS must be from your registered phone no with PBB right?
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The phone number with the card (For OTP, marketing etc).
Otherwise how PB know who you are.
ClarenceT
post Apr 15 2025, 06:33 AM

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QUOTE(kart @ Apr 15 2025, 06:15 AM)
20% Cash Back on Groceries & Pharmacies with PB Mastercard Credit Card:

Assume entire RM 1000 is spent on groceries and pharmacies:

RM 25 / RM 1000 x 100% = 2.5%
Public Bank wants us to 'believe' that 20% cash back are given for groceries and pharmacy transactions, whereas the effective cash back rate is just 2.5%.
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No lah.

RM125 Groceries + RM875 Others
ClarenceT
post Apr 15 2025, 07:29 AM

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QUOTE(winmxbb @ Apr 15 2025, 07:05 AM)
The moment u spend other, at lease 1% charge u
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Only for those top up ewallet with 1% charge.
ClarenceT
post Apr 15 2025, 10:36 AM

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QUOTE(sjz @ Apr 15 2025, 09:50 AM)
noticed recently PBB campaign mainly focus more on Master rather than Visa.
0% BT, Cash, various campaigns etc. all for master and very few for Visa.

unlike previously Visa get all the campaigns.
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Not really. Maybe you don't participate in Visa campaigns...

(1) Spend Now Earn Cash Back Everyday (PBV)
(2) Travel Campaign (PBGR)
(3) EcoEmpower Cashback Celebration (PBBS)
(4) 15th Monthly at Lazada

Also,
(1) Qatar Air: up to -15%
(2) Klook: -12% weekend
ClarenceT
post Apr 15 2025, 01:11 PM

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QUOTE(MasBoleh! @ Apr 15 2025, 12:45 PM)
Hi all,

Can help me on this? Unlimited 0.3% Cashback has higher value or the VIP points has higher value?

And what is the most worth redemption for VIP points?

Thank you
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https://www.pbebank.com/en/promotions/lates...catalogue-2025/

https://pbrewards.my/Member/Main.aspx

This post has been edited by ClarenceT: Apr 15 2025, 01:12 PM
ClarenceT
post Apr 15 2025, 02:24 PM

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QUOTE(MasBoleh! @ Apr 15 2025, 02:11 PM)
Actually I am asking about VIP points value compared to cashback. Not about where to redeem the VIP points.
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You can work out from there.

Most of the vouchers RM50 = 31000 VIP Points
Depend on which card you use and where to spend to get VIP/Green point.

If Spend RM1 to get 1 VIP point, spend RM31000 to get RM50 voucher or RM93 Cashback.
If spend RM1 can get 10 VIP/Green points, spend RM3100 to get RM50 voucher or RM9.30 Cashback.
ClarenceT
post Apr 15 2025, 02:58 PM

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QUOTE(sjz @ Apr 15 2025, 02:54 PM)
those campaign are very specific and pretty useless, at least for me.

campaign missing,
for eg.
0% BT
0% Cash
Quantum Weekend Cashback
Grocery Campaign etc etc.
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Haha 0% BT/Cash is useless for me, even Quantum Cyber is not attractive to me (because other channels can give me similar savings on utilities).
ClarenceT
post Apr 22 2025, 01:05 PM

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QUOTE(beLIEve @ Apr 22 2025, 12:55 PM)
Either 6% cap $60 exclude ewallet or 2% cap $30 min spend $100 include ewallet. They knew majority cardholders prefer the latter.
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2% exclude ewallet.
ClarenceT
post May 5 2025, 07:18 PM

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QUOTE(Human Nature @ May 5 2025, 07:08 PM)
I am trying to add PBB Islamic Visa to Apple Pay but received notification that your issuer does not yet offer support for this card. So means PBB card cannot be added?

add: unable to add Affin Visa too
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https://support.apple.com/en-my/102897
ClarenceT
post May 14 2025, 05:26 PM

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https://www.pbebank.com/media/xphkbexp/tc_s...nts-day2025.pdf



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ClarenceT
post May 21 2025, 01:46 PM

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QUOTE(yongs90 @ May 21 2025, 12:53 PM)
Public Bank Visa Signature
2% cash rebate for Online spending

Exclusion is Insurance / takaful (MCC 5960 & 6300)

May I know if I pay Allianz insurance online is it fall under above MCC?
Or exclusion is for Quantum credit cards?

https://www.pbebank.com/media/rczb0ouh/pds-...dit-card-en.pdf
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PB don't give CB to Insurance transactions.
Maybank, RHB, Affin, HLB not yet exclude insurance MCC.

This post has been edited by ClarenceT: May 21 2025, 01:52 PM
ClarenceT
post May 21 2025, 01:58 PM

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QUOTE(beLIEve @ May 21 2025, 12:14 PM)
Actually. many reported they get free credit cards after taking housing loans. Maybe it's gray area. I was even offered (pre-approved) cards i dont qualify.
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It is normal Public Bank are sending pre-approved credit cards to new housing loan customers. And pre-approved VI/WM to existing VI/WM customers and RCB customers.

This post has been edited by ClarenceT: May 21 2025, 01:59 PM
ClarenceT
post May 21 2025, 03:33 PM

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QUOTE(beLIEve @ May 21 2025, 03:22 PM)
Mine was actually Maybank2me. I'm still waiting for a free World MC that i don't qualify tongue.gif
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Err M2U not enough, get a bank account at Maybank Premier Wealth Centre.
The officer offers World Elite Mastercard, AF waiver for first year only (Subsequent AF RM800).

https://www.maybank2u.com.my/WebBank/PWC-PWL-261213.pdf


This post has been edited by ClarenceT: May 21 2025, 03:36 PM
ClarenceT
post May 21 2025, 03:46 PM

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QUOTE(sjz @ May 21 2025, 08:44 AM)
can bank simply send new card i.e world MC (not replacement card) to us without any application or consent?
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Can, the pre-approved account won't be activated without acceptance. Will be automatically cancelled if not activated for x months. But better call to reject it. I received pre-approved cards from Maybank, UOB, Citibank, RHB, CIMB in the past.

However, credit card issuers no longer send cheque (pre-approved cash advance) to card users, I assume it is now banned. Last time Citibank, Maybank, HLB liked to do so.

This post has been edited by ClarenceT: May 21 2025, 03:47 PM
ClarenceT
post May 21 2025, 04:32 PM

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QUOTE(sjz @ May 21 2025, 04:24 PM)
that is a useless card  doh.gif  doh.gif
some mentioned on benefit being lounge access x 3 times, but that is subjected to RM1k min spend within 30 days to entitled 1 free entry.
and i ady hav other PBB cards for lounge access, and PBB consolidate lounge access based on cardholder, not card type.
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ClarenceT
post May 22 2025, 01:42 PM

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QUOTE(joice11 @ May 22 2025, 01:19 PM)
any benefit for this public worth MC?
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https://www.maybank2u.com.my/maybank2u/mala...mastercard.page

This post has been edited by ClarenceT: May 22 2025, 01:46 PM


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ClarenceT
post May 28 2025, 11:59 AM

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QUOTE(koja6049 @ May 28 2025, 11:57 AM)
i also receive this card in the mail. just curious how did you activate it? I don't see the card listed anywhere in the mypb app or website
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You need to add card to your PB account.
Just like you did it for your existing cards in the past.

This post has been edited by ClarenceT: May 28 2025, 12:00 PM
ClarenceT
post May 28 2025, 01:39 PM

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QUOTE(koja6049 @ May 28 2025, 01:19 PM)
Ok this is very strange, I never had to do this last time, the card just appear when it is approved.
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Think again. It never happened to PB CC before.
ClarenceT
post Jun 1 2025, 11:34 AM

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QUOTE(jenern84 @ May 31 2025, 09:42 PM)
Is purchasing at shopee platform with credit card recorded as backdated date still happening?
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Purchase at Lazada lah, 12am.
ClarenceT
post Jul 9 2025, 07:25 PM

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QUOTE(1024kbps @ Jul 9 2025, 06:38 PM)
Mine is mastercard, i try to spend oversea next few weeks and see if can get CB

First time use msia credit card, Publick Bank Quantum, they send me 2 cards and charge me twice because 2 cards  sweat.gif  sweat.gif  sweat.gif
the hell with card service tax, In Singapore dont have such things...
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Quantum Mastercard
Around 2.25% - 2.5% (more or less) charge to forex on credit card transactions.
Then you earn 2% Cashback.

Why not transfer fund into your foreign account (eg Wise, forex charge less than 1%), then use local debit/credit card / Wise Card to spend!

This post has been edited by ClarenceT: Jul 9 2025, 07:25 PM
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