Spend More Earn More Rewards with PB Visa Credit Card

I got RM118 for Min RM5000 spending. Next tier is RM8000 earning RM188.

1 Jan - RM2030
2 Jan - RM1000
8 Jan - RM6380

From 1-7 Jan, various small amounts total RM200, so it is not possible to hit RM5000 before 8 Jan. So how come I can get RM118? How come I cannot get RM188?

Is my logic correct?

If me i'll keep it if they sponsor GST. Take the $50, use card for campaigns. By next year only consider cancel. If they expect to use the $50 to offset GST, i'll cancel. $25 not worth the hassle.

Questions:
1. if i have PB and PBI principal card, if i register once with PB card, do i still need to register another for PBI? or it will auto tracked? or need register separately?
2. Do i get 2 separate cash back for PB and PBI or it's combined? means 120 max inclusive of both PB and PBI? or separate i.e can get rm240?

The web page registration still need card number i think.

"multiple credit cards", "all other credit cards and the supplementary card(s)" could be could interpreted differently like within the same PB/PBI entity only. 

Stupid question

If my statement balance is 4k and total outstanding is 10k,  i did some Balance Transfer 5k from other bank to this card, do i still need to pay the statement balance?

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

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).

look like i need to keep trying.. called on Monday, rejected n not even wan to submit request.. said they no longer can submit request.. 

Totally agree with you. I like the 0% Cash campaign too—can withdraw and roll it somewhere else for some cashflow. Last year, there were Visa campaigns almost every month and I was getting something nearly every time. 2025 seems like it’s all MasterCard only

I’m refinancing with PBB now, and they said I need to “take one product”—so I just told them to gimme the World MC lah 😂

World Mastercard can get free meh? I thought only World Elite can get.

expected la. they are earning less from interchange fee due to BNM's ICTF.

nothing much left to "revenue share" with cardholders

Ahh.. the good old days
I’ve already terminated my Quantums.

VS I’m still keeping for now since I still have that spend… but won’t last for long… and the Islamic Visa..

And PBB VI also no perk… they don’t really have any beneficial cards left.

scheme interchange fee is very small. it will not be enough to cover whatever costs the bank/host need to pay in the end... but with bigger volume of transactions happening, it can help to reduce the cost incurred, cumulatively.

of course banks wants to grow card businesses to earn other revenue (eg fees like late payment, interest, etc) ....
fyi, banks earn more interchange fee from overseas/non-MY transactions, rather than local.
for ATM, issuing banks actually need to PAY the interchange fee (not earning).

If not mistaken
Visa Plat can online, can ewallet
Visa Sign can online, cannot ewallet

Yeah my shopee reload on 1st of May didn't appear also. But my reload today appear. Weird.

Okay so means I am not alone.

PBB is getting onto my nerve. Am trying to do a booking via Agoda using the promo below but my transaction keep failing. So gave them a call and ask why, CS said Agoda doesn't use 3D Secure hence why it failed. Ok, I asked to enable my card for non 3D Secure transaction, guess what they reply? Oh sir, we can't do so. The only way for us to do is to cancel your card and re-issue you a new card so you can use it for non 3D secure transactions.



I need my 20% discount

This is the first time I encountered. My go to card for Agoda are usually MBB/UOB/Affin but no issue with it.