thank you for your suggestion

Total cashback maximum RM 30 for all online & dining

noob question here...how to enclose all required documents with online application?
i can't find any upload portal to upload my documents...

again, dont bother use the online form. it's half-online form, half-email.

better fill up the whole PDF form, then attach all the supporting documents via email to PBCS Customer Service <custsvc@publicbank.com.my>

Thanks. Should limit my usage to 600 for these then. Need to strategise which card to use.

Guys, after 4 weeks' wait, I have finally received an SMS approval for my Quantum card. My ECCRIS report now shows a credit limit of RM40,000 , reduced from the previous RM50,000.
I'm now on board the PBB family to enjoy the card benefits. Happy!

This post has been edited by LemonJane: Jul 10 2019, 02:10 PM

hi all, I made booking via agoda n purchase via aliexpress, both no otp. I call pbb cs, they reply this depend on merchant, is this statement true? I always thot its a bank operation to ensure security to their customer?

Yes.
Some merchant don't implment 3D security.

not from your issuing bank/card.

it's between acquiring bank and merchant.

non-otp (2D or non-3D) transactions, the risk is borned by the merchant (if they chose* not to trigger OTP/3D).

if so, the merchant will not tag the transaction as "3D", so your card/issuing bank will just charge your card as-is (without OTP validation). This is why fraud can happen easily.

if merchant tag the transaction as "3D", the issuing bank will trigger OTP to you (cardholder) to verify the transaction it captured. this is why 3D or our SMS OTP implementation solves a lot of fraud transactions coming through the banks.



*why merchant chose 2D? it's mainly due to "user experience". they dont want user to be kept asking to enter OTP. or they want the payment to have seamless flow, like auto-reload, etc.

noticed how TNG ewallet or boost works? 1st time adding card, definitely need OTP. at this stage, your card will be properly validated and then stored securely (encrypted). on subsequent reloads (charging the card), just charge seamlessly without OTP because the card already authenticated earlier (during card saving).


here, we are so used to getting OTP it's a little safety net for us in case our card get frauded unknowingly.

Wow. RM 40k CL

Congratz. I'm gonna reapply mine next month since I just got my increment this month

Scb spam me monthly reply sms yes for 78k limit. Even 5k also can't fully utilise, just ignore it.

This post has been edited by koala225: Jul 10 2019, 05:32 PM

double post.

This post has been edited by koala225: Jul 10 2019, 05:31 PM

SCB used to super generous with CL.

What I dislike they keep calling me every month for cash advance etc. Sorry, I will stop talking other bank in pbb thread. Let's end here.🤗

wow, u r really knowledgeable. salute.

But I just wonder how boost can set certain top up will trigger otp, certain don’t..

probably few things...

1) boost is linked to >1 payment gateway, and their backend swings to different gateway according to traffic or time of day, or any other possibilities

2) boost has different policy in place according to specific amount threshold or count of reloads or count/amount of activities within certain period

3) boost's policy kicks in according to card type or issuing bank

4) or even randomized when to/not to trigger otp

or any mixture of combination of policies/rules that we dont know


problem is, we dont know how their payment is configured, and obviously dont know what are their policies/rules (guarded secret)

Anybody successful in getting the Service Tax waived?

Hi simple question, am I eligible for VIP points if i paid my utilities through VISA? thank you.