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.

Submit my application last Wednesday, just now call PB IVR know that my application has been approved...fast?

hi guys, just wanted to confirm regarding the CB, shouldnt i be getting max (RM30)? weird this month only got RM10+

hi guys, just wanted to confirm regarding the CB, shouldnt i be getting max (RM30)? weird this month only got RM10+

sorry i edited post again as i overlook the photo i uploading which contained personal info

Looks good but canceled QV recently..

Going to utilize VS more then

GG....is that possible to reactivate the QV I call to canceled 2 weeks ago??

Use QM to top up Bigpay, then use Bigpay at DBKL payment counters.

You may try MyEG, use QM to pay, likely (not 100% sure) to get 5% Online rebate. Service charge (MyEG's) may apply.

After 1/9/19, try QV using Paywave at DBKL (if allowed, transaction amount less than RM250), test if you can get Paywave CB (new rule effective 1/9/19).

Normally no CB on Government related transactions and at pbebank (including Jompay, FPX).

Alternatively use PB Debit card, high chance to win RM10 CB.

I am asked to fill up a card reinstate form for QV, cancelled in Jan or March this year

I got the similar offer but rm500 

I can understand why Public Bank changes the transactions eligible for cashback, to contactless transactions, for Public Bank Quantum Visa Credit Card. As such, more people will prefer to use this card.

Then again, for Public Bank Quantum Mastercard Credit Card, why did Public Bank remove dining transactions from eligible transactions? 

Sigh, another card service tax of RM 25 is incurred, when I need to get another credit card with cashback for dining transactions.

Anyone can suggest where to pay DBKL tax assessment and TNB bills online using credit card? I think Jompay does not accept credit card payment.

no longer relevant after 31/8.

you can try and see, when you wave and pin the receipt got showing "Contactless Payment"

What you meant by don't know this function?
It's preset by the CC terminal itself.

not necessary, as long as you wave and pin but not insert the card and pin, the receipt still showing contactless payment should be qualified as well.

What I meant is that; you can either Wave or PIN; not Wave & PIN.

What I meant is that; you can either Wave or PIN; not Wave & PIN.

He basically said that there're option for terminal operator to select: PIN only, TAP only and TAP with PIN.

And a lot of the cashiers have no knowledge on the last "hidden" option of TAP with PIN.

Normally I will hold the card & ask "can I wave?". They will said "yes" if the terminal support contactless. Don't let them hold your card.

If you want use wave, some cashier will not hold. But i had tried few supermarket in sarawak still want to hold your card because they seem like want to record card's last 4 digit. No way to avoid that.

Kuching supermarkets very kiasi, some don't allow paywave.
So far Giant, Guardian, Watson's, Aeon, Everrise, H&L, CS are OK.

So far, for me, the one want to hold is CS minimart, farley (strictly insist to hold, i give up). Unaco no hold even do pin but no wave option.

I have no issue in Klang Valley, not sure why you said you don't allow them to hold the card as most of the time we hand the card to them whether pin or wave as the cashier are the one input the card into the device especially supermarkets.

Maybe different culture in different cities I think then.

No issue la. If they wanna handle the card and wave, then be my guest. If they ask me to wave, I wave. No big deal.

Thanks for the info.
Lol... They shouldn't worry much so long as the payment is made, even with a stolen card. I don't think they would be held responsible anyway.

Anyway, will try to observe whether paywave is accepted when using CC next time.

I guess if its a stolen card, owner reports it, no payment will be received by the receiver(cashier).

I heard the cashier will always auto (no need customer to ask) ask tap (customer hold) or pin before payment is made in singapore. But here is different. 

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