Welcome Guest ( Log In | Register )

Bump Topic Add Reply RSS Feed

Outline · [ Standard ] · Linear+

Credit Cards Public Bank Credit Cards V6, PB Visa Sig 3% & Quantum 2% Cash Back

views
     
lilsunflower
post Oct 24 2019, 01:22 AM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
Hi guys, I've never used the Quantum FPP before, but am contemplating doing an online RM25k payment and using FPP to manage my cashflow.

Should I use QM or QV? (Does it make a difference?). If I use QM for example, does it mean that each monthly FPP instalment (>RM600) will get cashback? Apologies if these questions have been answered before, but I couldn't get a clear answer from the search.

Thanks in advance for advice.
lilsunflower
post Oct 24 2019, 03:19 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
QUOTE(wym6977 @ Oct 24 2019, 10:19 AM)
Recently I topup QV --> BP to pay for government hospital bill, then convert that amount to FPP. The statement shown one lump sump of VIP so I guess the monthly installment wont get any points anymore.

May be you can use QM for the max Cb (online, RM600) then balance with QV for FPP (and get max VIP)...
*
Ah, thanks for sharing. Sadly I can't split my bill and must pay RM25k in one lump sum. Will use the QV for full amount then. Thanks again.
lilsunflower
post Oct 26 2019, 08:33 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
QUOTE(coolguy_0925 @ Oct 26 2019, 07:37 PM)
PB Quantum Credit Cards 0% Flexipay Plan for 12 months with minimum retail purchase of RM1,200 is changing to 1% Flexipay Plan for 12 months with minimum retail purchase of RM1,200 wef 01.12.2019

https://www.pbebank.com/Announcements.aspx?qid=2816#q2816
*
Wow, phew...just converted 25k yesterday. Will squeeze in one more next month.
lilsunflower
post Nov 2 2019, 10:20 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
QUOTE(Cy016 @ Nov 2 2019, 09:04 PM)
How does public bank cc cb works? One card 25 received cb another card yet received any

They calculate cb base on 1-30?
*
Statement date for transactions posted in the statement. So there may be potential cut off issues for transactions posted on or slightly before statement date unless the merchant is using a PBB terminal.
lilsunflower
post Jan 4 2020, 02:26 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
I'm not sure if anyone has noticed / reported this:

I just got my PBB statement dated 2 Jan 2020. I hold 9 supp cards (separate statements) and have been getting separate CB since the beginning of time. This Jan 2020 statement - NO CB on supps, except on principal. This is for cards VS, QM and QV.

Anyone else experience the same?

This post has been edited by lilsunflower: Jan 4 2020, 02:50 PM
lilsunflower
post Jan 4 2020, 02:34 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
Yepp - the longest and most lucrative "glitch" / "loophole" finally closed up.

I'm definitely NOT going to call CS. This has been a loophole which I have benefitted from since 2014, and if its ended, its just time to say goodbye and move on.
lilsunflower
post Jan 4 2020, 02:37 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
QUOTE(puputeh24 @ Jan 4 2020, 02:35 PM)
How about the VIP points? Supp cards can't earn it as well?
*
No VIP points either.

Just to clarify - all VS / QM transactions were BigPay.

All QV transactions were direct PayWave / Samsung Pay.

Principal received in full; supps received nothing.

This post has been edited by lilsunflower: Jan 4 2020, 02:39 PM
lilsunflower
post Jan 4 2020, 02:47 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
QUOTE(tan_aniki @ Jan 4 2020, 02:42 PM)
yup, if reported later they take back from u lol
*
Ya man. Its like RM4,000+ per year lol. Even more in the early years.
lilsunflower
post Jan 4 2020, 07:27 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
QUOTE(skty @ Jan 4 2020, 04:30 PM)
2 Jan statement date

When is your supp card spending posted? Thanks
*
For VS and QM, all on 3 or 4 Dec.

We reload 633.25/600 BP either on statement date or next day to maximise credit period hahaha.

For QV, contactless spending throughout the month - every week got 2-3 transactions.

This post has been edited by lilsunflower: Jan 4 2020, 07:28 PM
lilsunflower
post Jan 4 2020, 10:19 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
QUOTE(zacknistelrooy @ Jan 4 2020, 07:45 PM)
Statement yesterday and no cash back for supplementary card
Last spend was on 31st Dec 2019
*
How many supp you have? Principal and supp have same statement cycle ?

This post has been edited by lilsunflower: Jan 4 2020, 11:10 PM
lilsunflower
post Jan 4 2020, 11:13 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
QUOTE(poor man @ Jan 4 2020, 09:08 PM)
I just check my supp PBB statement dated 1 Jan 2020
my supp pbb vs card get cash back RM38
but other card on 7 jan need wait and check..
*
Do you mind sharing a few details?

1. Principal has same statement date of 1 Jan? If different date, what was it?

2. Did principal also receive full CB of RM38?

3. What "other card"? Does this refer to other PBB card meaning you already receive PBB VS (Principal and Supp) on 1 Jan, but your other card (e.g. Quantum) is on 7 Jan, or do you mean you have another Supp statement on 7 Jan?

Sorry for so many questions, just wanting to find out if it's a total end of PBB supp CB, or if there is still "hope".
lilsunflower
post Apr 3 2020, 06:13 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
Wow I got full CB for all weeks to date, but my Week 9 was only 25 with 8th top up at 12.55am. Not very hopeful for future weeks now...
lilsunflower
post Apr 3 2020, 06:31 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
QUOTE(GrumpyNooby @ Apr 3 2020, 06:18 PM)
You get cash back for Week 10 but not Week 9?  hmm.gif
*
Week 10, got full. Final transaction at 12.18.

Week 9 I was watching a movie and only topped up after. Didn't know it would be so competitive.
lilsunflower
post Apr 25 2020, 06:43 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
QUOTE(jiaen0509 @ Apr 24 2020, 04:31 PM)
dry.gif Wonder why they don't want increase for me. The PBB gives me the lowest CL among my other card.
*
QUOTE(fruitie @ Apr 24 2020, 04:47 PM)
Apply new card (higher tier) if possible, I added VI and they auto-increased my CL 100%.
*
Yeh, my experience with PBB is that they have a very cautious approach to granting CL limit increases, especially after going past 2.5-3x salary (similar to MBB imo). Other banks such as Citi, SCB and HSBC usually give me more than 100k upon sign-up, but I've never been lucky with MBB or PBB despite holding their cards for more than 10 years and pretty high spending (I used to hold 4 PBB principals, 9VS supps, 3-4 QM/QV supps, 1 WMC supp).

Over the past 10 years I applied for CL increase every 1-2 years. I hit my first rejection around 2-3 years back, and then a subsequent rejection about 1.5 years ago. No reasons given. Then I applied for a PBB VI and got a 20% increase. My older cards like VS, QM, QV were still on the "old" limit, but I applied for those to be increased up to the PBB VI level and this was accepted. Since then I haven't bothered applying for a CL increase as PBB have stopped their 0% BT (which was the only reason why I wanted a CL increase anyway).
lilsunflower
post Apr 28 2020, 02:25 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
QUOTE(arthur88 @ Apr 28 2020, 12:49 PM)
your salary 100k per month? shocking.gif
*
NO. The CL granted to me by those banks is several times above my monthly salary, hence why I say they are very generous.
lilsunflower
post Jun 9 2020, 10:59 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
Me neither

Strange as I normally don't miss out on PBB....
lilsunflower
post Jan 31 2021, 11:55 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
QUOTE(cybpsych @ Jan 31 2021, 01:26 PM)
and multiply that with split-statement (ie cb) for supp cardsssssss (loophole has since closed)
*
Nostalgia... Remembering those 9 supp card days
lilsunflower
post Mar 8 2021, 06:55 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
QUOTE(cybpsych @ Mar 8 2021, 06:50 PM)
wait first see see. probably they grant 30 + 20 separately since they marked it as "TIER 1" for RM30 today, so, likely there will be "TIER 2" for RM20
*
QUOTE(GrumpyNooby @ Mar 8 2021, 06:52 PM)
Based on previous campaign, they award the cash back separately at different dates.

SMART CASH REWARDS TIER - MTH 1 -> capped at RM 30
SMART CASH REWARDS BONUS - MTH 1 -> capped at RM 20
*
I got my 30 + 20 posted today, see screenshot


Attached thumbnail(s)
Attached Image
lilsunflower
post Mar 8 2021, 07:22 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
QUOTE(GrumpyNooby @ Mar 8 2021, 06:59 PM)
I retracted my statement, your royal Highness! Pardon for my stupidity!
*
Lol, just sharing, not pointing out anything negative.

Read the posts then went to check my account and received the pleasant surprise.
lilsunflower
post Mar 8 2021, 10:47 PM

Look at all my stars!!
*******
Senior Member
2,680 posts

Joined: Dec 2010
QUOTE(janson_kaniaz @ Mar 8 2021, 10:08 PM)
That’s weird then. I completed my RM2K on the 14th. I’ll check with CS tmr. Thanks ya.
*
Mine is 13/1 completed 6x
22/1 reached 2k (I wasn't aware and accidentally managed)
« Next Oldest · Credit Cards, Debit Cards, Prepaid Cards and Loyalty Cards · Next Newest »
 

2 Pages  1 2 >Top
Add ReplyOptions
 

Change to:
| Lo-Fi Version
 0.0371sec    0.78    7 queries    GZIP Disabled
Time is now: 10th December 2025 - 08:04 AM
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Removal Request
Powered by Invision Power Board © 2025  IPS, Inc.