where did you see this card give 4% for dining?

Earn More Rewards when you Apply and Spend with PB Visa Credit Card [ PBB | T&Cs ]

partial statement cycle, wont get statement-ed. it will be combined with next full statement cycle.

if not mistaken, nowadays PBB dont entertain this request anymore. few years back, it was still possible.

t&c already been published in pbb website. open it and read what type of cards are eligible.

also this campaign applies to all Visa cards. I used Affin VS for OTC payment. staff asked if I want to join. she key in something in the system for some basic info, eg mobile number.

too bad, not eligible for cb lololol

This post has been edited by cybpsych: Apr 14 2023, 06:28 PM

most if not all pbb cards excludes govt-txn.

since this program opens to all Visa issuers for any credit/debit/prepaid cards, i guess best is to use ewallet cards (eg tng visa, bigpay visa, kiple visa, merchantrade visa, or even enrichmoney visa)

insurance not eligible for all cards, except 2 cobrand cards

LoL always assume exclusions will take higher precedence. If not, there will be loopholes already.

web and app ok

Fuel Good with 20% Cash Back (By Invitation Only) [ PBB | T&Cs ]





Super Grocery Sale with PB Visa Credit Card (By Invitation Only) [ PBB | T&Cs ]

Redeem and Get Gift at pbrewards.my [ PBB | T&Cs ]

you can earn from both promo BUT eligible transactions cannot.

yes, if spend criteria achieved.

huh? both questions are the same mah

spending ewallet 2k will be eligbile for both promos, but you can only win one (rm40 from spend everyday or rm38 from ewallet topup)

PB Miss You Campaign with PB Mastercard Credit Card (by invitation only) [ PBB | T&Cs ]





PB Visa Privileges @ ShopBack [ PBB | T&Cs ]





PB Privileges @ Happy Bunch [ PBB | T&Cs ]

that's the thing, we dont know how PBB pick&choose, especially those eligible for multiple promos like ewallet topups.

OTP verification is to determine who's liable for the txn

unifi or its gateway is actually is at the losing-side if the txn is disputed by cardholder (or a fraudster)

without enforcing OTP verification, liability sits at the unifi/gateway/acquirer -- meaning, their fault for not checking OTP!

by enforcing OTP verification, liability will be shifted from merchant/gateway/acquirer to cardholder/issuer -- meaning, cardholder has verified the txn is valid.

hence, if there is a dispute later, it would be hard to prove yourself as "innocent aka it wasnt me". this includes disclosing your OTP to 3rd party, where issuer will shift the blame to cardholder because in any cardholder agreement, it's cardholder's sole responsibility to secure the OTP, no matter the situation.

yes, kinda one-side protection by the issuing bank. they just throw cardholder under the bus.


there are many frauds happening, not just cards, but also ewallets and even FPX (eg, how on earth you share your M2U/Clicks/HLconnect login to strangers?!)

with ewallets and fpx, you need to login (thus verified) but if fraud happens after login, you're liable.

This post has been edited by cybpsych: Apr 20 2023, 10:54 AM

i got 2 sms for 2 separate PIB Mastercard (mostly use for zcity/ipay88)

good measure though. unsecured/non-OTP or non-verified txn from ecom and MOTO will be declined. good to weed out fraud txn.

however, once you replace your card, it's "enabled" again which is their default setup.


i suspect cards that were previously exposed by ipay88 security breach last year are the one being tightened, per card basis.

if they blanket apply to all their cards, better it is

unsecured ecom is dangerous

moto, a bit grey cuz it usually falls within MCC 5960-5969

5960 Direct Marketing – Insurance Services
5962 Direct Marketing – Travel-Related Arrangement Services
5963 Door-To-Door Sales
5964 Direct Marketing – Catalog Merchant
5965 Direct Marketing – Combination Catalog And Retail Merchant
5966 Direct Marketing – Outbound Telemarketing Merchant
5967 Direct Marketing – Inbound Teleservices Merchant
5968 Direct Marketing – Continuity/Subscription Merchant
5969 Direct Marketing – Other Direct Marketers (Not Elsewhere Classified)

some of the valid merchants are using MCC 5964 like Shopee and Lazada

This post has been edited by cybpsych: Apr 25 2023, 06:46 PM

not mandatory to replace if you dont use unsecure online txn and MOTO.

else, you can take this opportunity to replace your card (i guess FOC due to this), get a new number, and feels a bit safer. a little annoyance if your existing card already tied to autodebit, etc.