read from 1JAN....

it;s just user experiece NO CB for SUP.


there is NO MENTIONED of PBB term and condition that Sub card no CB.


can we call CS to bising to get the CB for SUP ?

*if SUP no CB, might as well cut them all .....

i'm sad....

so u guys going to cut SUP card ?
since it;s quite useless now without CB ....

some questions :

PBB VS SUP card -- i have ~1000 VIP point
can i transfer out to Principal ?
can cash out ?


*I got charge SST back in OCT...
Call CS, they rebate back the SST 25 IN Nov + DEC !!!
yes , x2 time ..... for Principal + Sup

Total i get RM25 x4 .....
u guys get the same ? hehhehe

SINCE sub card is basically useless.

i still have ~1000 VIP point in sub card

can i redeem anything ?
transfer to principal card ?


advise to keep or cut the SUP ? Thanksss

while looking back ,
i did not get the RM20 , for RM200 spending online. I swipe RM200 on 28Nov.

and for the accumulated RM2000 spending get RM80. i still havent get yet.

when i click into the link , it's not reflecting.

could advise :
1. RM20 gone ?
2. RM80 gone as well ?

*in future , i have to keep my own PBB tnc .

Just check , for the unbilled statement .
Yes, i get it too on 28JAN
4100 28 JAN 28 JAN CASH REWARDS/DEBIT DUPLICATE ADJUSTMENT 25.00 DR
4100 28 JAN 28 JAN ONLINE CASH BACK REWARDS 20.00 CR



*FOR those wonder, the -RM25.....
PBB credited TWICE the SST rebate ....
now they found out .....and rectify ...

Guys , the spent RM2000 back in NOV/DEC ....and get RM80 ....
do u guys really get RM80 ?

I only get rm30 .....
I SPENT RM2000 on 1 DEC on KFC voucher .....

The PBB 0.5% BT FOR 8 Months .....


Let';s say take RM10K ....pay RM50 fee ....
is it worth it to park the RM10K in OCBC-360 (3.6%) or Home loan 4.2%
or FD 3% ?

Among so many banks credit cards.
Public bank , have to most + frequent campaign.....

Public bank very good at making people spend + spend + spend

*i took the bait and joined those campaign

conpletely forgot WW13 last campaign ....
WFH , too much on my mind .....

All “Qualified Retail Transaction” or payment must be charged to PB Visa Credit Card via
Visa contactless feature.


--- do topup through boost/bigpay considered ?

contactless== wave ?
mean need to do it at retail shop ?
this is kind of confusing

just called CS,

need to do paywave === wave ...
else not consider....

susah lo ....

although i pay 20sen SMS to enrol in this SMS ,
biut i'm giving up this campagin .

my idea u can use :
1. buy tesco/sunshine cash voucer RM80 each time (RM10 or RM20) x100

u get 12.5% CB ....
good rate.

why i duwan to do ?
I;,m still stuck with RM2500 tesco voucher + RM1000 sunshine voucher from last year campaign .

*if u have any idea how to get rid of those voucher ,i;m happy to learn. Thanks
**I tried to sell at shopee, but sales were poor.
***During MCO, i already spent alot of on those vouchers , but there are still many .
****Many online/FB charities , i approached them and offered 10--20% deep discount, no one took it.....i wondered why ....

no point la,
i try to get rid of RM2500 tesco + RM1000 sunshine voucher
both are for grocery ,

very hard to spend for 2 adult + 3 kids ....
i spent on drypers/milo/weetameal/grocery , etc etc ....
max RM100--200 per trip ......may be twice a moonth ........

there is high risk, i might not able to finish them before the voucher expired .....

MBB Ikwan/Amex === 5%

OCT2020---1DEC2020 -expired

charity , --- need what audit trail ? unless u want to claim tax rebate .
those charity also need to buy goods as well, tesco/giant/aeon etc etc .
becos of this experience , now i dun trust those FB calling charity .
On surface : sound goood to be charity .
In reality : for own ego ,or own good. After all , human are instinct selfish .

nvm , i will wait further a few months ,
when really still have left over, i dun mind going to old.folks/orpahange to donate those voucher.


*ya, i;m selffish too , i bought those voucher for CB .
**i offered 10%-20% deep discount, where i made losses of 5%--15% , and on top , paying advance for those voucher too.
***IF MCO EXTEND further, where more ppl are in need , i'm sure those voucher would be really helpful .
****2nd though , maybe , just maybe . Some of those charity , some masuk own pocket ....... afterall , who is going to audit them ? Only God know.

i did this before,
bad experience .


Majority of ppl duwan , they though i'm scammer .
And the few minority took the offer want deep discount.

that was last year , when time are good.

After that, i stop doing " begger" .

actually,
i was doing quite well by selling those voucher in shopee.

But end of last year , when shopee starting to limit FREE shipping to all sellers.
only premium seller, and RM19 free shipping (seller need to pay more commision) have those free shipping


from that time on wards, voucher are stucked .
That time i have RM2000 KFC voucher too .
but luckily , got ppl in penang COD RM1000 , and i managed to sell the rest with breakeven .


In short, buying voucher to resell later , it;s almost dead.
voucher is good for own use .

still can apply CC during MCO ?!!??!

just asking for PBB VS


if i enroll the RM80 X10 swipe , and get RM100
==> RM800 .


in this case , i swipe grocery ,
i still get the RM38 CB too , right ?