What spend 5 months and get cash back is this?

You can go ahead to test amex on shopeepay.... but previous trial said it will not earn any cashback. Good luck!

Well this is in addition. Let's say you have Visa Signature and Quantum Visa and spend 2k, total cashback RM38 + RM30 + RM30 with correct distribution. Not sure if PIB Visa Platinum included as well because in that case the capped spend for card-specific cashback is 633.33 + 600 + 750 which is 1983.33. So effectively if you already maxing all.... you are spending 16.67 for RM30 cashback =p

No difference, is just where the cashback appear only (based on previous campaign). The big question is whether PIB Visa Platinum spend is included inside the 2k....

I guess through one of those bill payment apps? E.g. Zcity

Thanks for reminder, going to do my swipes now. I think no harm to ask CS, public bank generally quite okay (they may require you to spend something etc)

If your grab ride is >RM30 I think can. But if less than RM30 then of course no.

Do you read the recent posts before you ask?

Yeah if not same terminal should be the next quota. Of course can always be unlucky....

Not through BigPay for sure. I think ShopeePay if you 'luck' to a particular gateway still possible?

PTPTN doesn't even accept credit card direct payments. Previous poster refer to loading money into ewallet or some other instrument which is accepted by PTPTN.

Yeah my bad, should use SSPN word not PTPTN.

Quantum Visa is not related to Visa Signature at all? You mean Quantum Master (5% for online) vs Visa Signature (6% for dining/online).

In fact having both is better (if your spending pattern supports it).

What other card good for online shopping (non ewallet)?

Affin Duo is only 3% (and that one may as well go through ewallet since it is okay).

All reloads of ewallet from credit card is cash advance, by that logic. That's why most banks eventually have reduced/stopped cashback/points benefit for ewallet reload. In fact public bank used to give 5/6% cashback for ewallet reload (which is better than 0%). So what's so surprising?


CC liability is limited to 250 or 400 only as long as you report promptly. No such thing as you 'kena hack' and then they let go 50k of spend. Even a few hundred to 1k already bank will be calling your phone multiple times, because they're the one bearing the risk not you.

At least for MBB I have gotten call for just 1k+ spend (online foreign currency). Their system will flag suspicious transactions. Of course if its a big swipe but within your usual pattern they won't bother, amount is only one of the criteria.

Spotify is > RM30?

You can buy multiple boost pins in one transaction.....

Probably only because it is end of month, I also was surprised trying today. Goodbye Quantum Master, only Visa Signature still useful after end of this month.

3% on Grocery, Dining, and Online with minimum RM100, cap is RM30.

Not the greatest, but how many cards still offering 5% or more? Is generally comparable to Affin Bank Duo the Cashback card in percentage, except the minimum 100 and lower cap. So still got some use, though much worse than before.

After the demise of PBB cards, the only >3% all got various T&C which may be hard to meet, from Maybank2Kard Amex (weekend, some merchants only) to UOB Yolo (first couple days of month only) to UOB One/Citi Cashback (10%! but very low cap and have to 'cover' total spend in order to get it). Can't see many replacements which 100% can make me throw away this Visa Signature.

Also sentimental a bit, this was my first 'premium' non-entry level card all those years a go. Even now almost all my cards are entry level since my spending patterns are still entry level....

PIB Visa Plat still okay ma.