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

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naruko85
post Sep 2 2020, 05:49 PM

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Hi, wanna ask that quantum visa now got 5% cashback on contactless? which only apply to paywave payment only?

and so both card cant get cashback if direct swipe for petrol?

and i thought SST the rm 25 per card per annual one cant waive?

This post has been edited by naruko85: Sep 2 2020, 05:57 PM
naruko85
post Sep 2 2020, 09:23 PM

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hi, want to ask regarding online transactions, do standing instruction for digi, medical card or insurance etc counts? or need pay on spot one? thank you
naruko85
post Sep 3 2020, 07:22 AM

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hi, want to ask that the cashback for QVISA must trigger the OTP code? because most of the time i save my cc so most of the time reload or spend no trigger OTP. thank you
naruko85
post Sep 3 2020, 10:33 AM

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QUOTE(ClarenceT @ Sep 3 2020, 07:24 AM)
Doesn't matter it is online or not for Quantum Visa.
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oh, sorry, i mean QMC
naruko85
post Sep 3 2020, 11:12 AM

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QUOTE(GrumpyNooby @ Sep 3 2020, 10:34 AM)
If it has EC or ECOM tagged to its merchant name/description, then it'll be very likely to be considered as online.
Forced OTP is an insurance mechanism.

Example: Boost 3D-EC (with OTP) no doubt it is Online. Boost SSL-EC (no OTP)
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Because lately i notice that if topup to shopeepay using saved credit card, then no OTP, and same to foodpanda too, saw both the name on the list, so both still consider online even if no OTP?

and for the QVISA, for contactless one, paywave is below rm 250 right, if i pay large amount one, lets say rm 1 k at shop with pin, consider contactless?
naruko85
post Sep 3 2020, 11:13 AM

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QUOTE(ClarenceT @ Sep 3 2020, 10:50 AM)
If NO OTP, then it depends on how the merchant processes the payment. It is beyond your control.

If they use SSL method, (the old method before 3D Secure - OTP was introduced) it is still considered an Online transaction.

Otherwise it can be auto/direct debit, then PB will not consider this is an online transaction. Quite common for foreign online sites especially US and China.
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i see, if thats the case then better delete the saved credit cards and key every time right? to trigger the OTP
naruko85
post Sep 4 2020, 10:37 AM

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QUOTE(GrumpyNooby @ Sep 3 2020, 04:24 PM)
Can I reload BP w QMC (600) and VS (633) every month and get 68 CB? Yes
Does this work the way I think correct? Yes
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are there any restriction for doing this? because like this is quite easy to get cashback blink.gif , is it the only restriction is BP transfer out to bank rm 1000 in 24 hours and max rm 2000 in 1 month right? So every month i can reload rm 2k to BP for cashback and transfer to bank rm 2k too?

and are there any restriction of which bank i can transfer out from BP?

This post has been edited by naruko85: Sep 4 2020, 10:39 AM
naruko85
post Sep 23 2020, 10:30 PM

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wanna ask that anyone apply thru ringgitplus before? if wan redeem the lazada rm 250 voucher normally they send digital code or send physical voucher?
naruko85
post Sep 24 2020, 06:41 AM

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QUOTE(alandhw @ Sep 23 2020, 11:38 PM)
It is a code
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i see, then do you know normally how long will they send you the code after you spend the rm 500? because there are stuff that i wanna buy at lazada but if it will take a long while for them to send the code, then i might buy at else where 1st
naruko85
post Sep 25 2020, 07:53 PM

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Hi, want to ask that, for PBB Quantum cards, the cashback is based on statement period right? and the cashback will automatically credit following month like maybank barcelona or need redeem like 2 months later? thank you
naruko85
post Sep 25 2020, 08:10 PM

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QUOTE(GrumpyNooby @ Sep 25 2020, 07:54 PM)
1. Cash back is based on statement month
2. Automatically credited on statement date.
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noted, thank you very much
naruko85
post Sep 26 2020, 12:23 PM

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Hi, want to ask about PBB QV, if the amount I pay exceed RM 250 and need to key pin, it is still entitled CB right?

And want to ask what the maximum amount that still can wave? And this limit can change if call customer service?
naruko85
post Oct 9 2020, 07:33 AM

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QUOTE(jiaen0509 @ Oct 5 2020, 10:57 AM)
Call PBB regarding SST charged. Less than 30mins, there is a cash reward credited.

PBB nowadays so efficient thumbup.gif
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SST? the rm 25 per card one? how much you spend that they credit you cash reward? and how do you ask?
naruko85
post Oct 9 2020, 07:45 AM

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QUOTE(cybpsych @ Oct 9 2020, 07:37 AM)
just call and ask them.

after checking your card account, either they grant you *rebate* without condition OR there could be a spend condition before they grant you the rebate.
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i see, so just ask them can waive the SST or not?
naruko85
post Oct 9 2020, 08:57 AM

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QUOTE(Human Nature @ Oct 3 2020, 06:54 PM)
Yes
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I thought last time someone say, if no trigger the otp or something then maybe no cb?

QUOTE(cybpsych @ Oct 9 2020, 07:47 AM)
do not ask to "waive"

nobody can effectively waive SST, except the govt
banks only give you "goodwill" rebates with/without condition.

pbb is quite generous to offer a rebate, even with spending condition, it's fairly achievable since you're constantly using their cards anyway.
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So i just call 603-2176 8000 and ask for 'rebate' for my cards?
naruko85
post Oct 9 2020, 05:19 PM

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QUOTE(jiaen0509 @ Oct 9 2020, 04:09 PM)
My case, principal card directly give me rebate.
My supplementary card didn’t use for 1yr already. Ask for rebate but said need spend RM500. Then I canceled directly. Haha
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I was stupid to register with Ringgitplus, just now i call they say cant rebate......
naruko85
post Oct 9 2020, 05:27 PM

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QUOTE(jiaen0509 @ Oct 9 2020, 05:26 PM)
New user not sure. But next year when you got charged for SST. Just call and try.

Your ringgit+ got free gift right?
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i think the gift same if i register at website, coz i want the lazada voucher rm 250. now the voucher i dont know claim with ringgitplus or what....

and yes i can try again next year
naruko85
post Oct 19 2020, 09:05 AM

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QUOTE(ClarenceT @ Oct 15 2020, 11:49 AM)
SSL (no OTP) method is still ONLINE.
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QUOTE(Human Nature @ Oct 15 2020, 11:50 AM)
Yes, still getting it in my last statement
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QUOTE(cybpsych @ Oct 15 2020, 12:21 PM)
the notion of "no otp = not online" is wrong at the first place. the user posted this didnt know the difference and put inaccurate remarks earlier.
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so the whole thing shopeepay saved card = no otp = no cashback is false statement for QMC ya


and for the pbb cashback 2 event, do i register before spending or after spent then register? thank you
naruko85
post Oct 19 2020, 09:19 AM

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QUOTE(GrumpyNooby @ Oct 19 2020, 09:09 AM)
For assurance, it is preferable to have OTP.
Not every bank employs similar mechanism to determine if it's online/e-commerce.
Some specifically needs OTP/TAC, some uses keyword tagging like ECOM or EC, some uses keyword filtering like SSL, 3D or 3D-SSL

Spending after registeration is needed for the campaign.
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ah yes, if can then will not save card like boost. But for shopeepay, they force to save card, otherwise cant top up with cc, only shopeeapp one can pay without saving the card.

And i want to confirm for shopeepay only, because other i rarely use
naruko85
post Oct 27 2020, 10:14 AM

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QUOTE(Milk_MilkzZzz @ Oct 27 2020, 09:26 AM)
hi, i have redeem the lazada voucher thru https://dcode.3ex.com.my/pbb

roughly know how long they will send the code? thru sms or by post?
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I m wondering about that too, hope the send out ASAP, as I want to get some games on lazada
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