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 Maybank Islamic MasterCard Ikhwan Platinum/Gold, Another Fantastic 5% Cash Back Card

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fruitie
post Oct 23 2015, 10:49 AM

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QUOTE(panda-man @ Oct 23 2015, 10:44 AM)
i kena reject, but they approved after reducing my other CL (on my cancelled card  rclxub.gif dunno why) and we agreed new CL... but then in the end got approved for even higher CL. maybe they realised it was a mistake? weird... if possible ask them why you kena reject. maybe your CCRIS sucks?
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Don't assume as if you know everything.

I hate people saying my CCRIS sucks when you know nothing about it.

After Ikhwan rejected my first application, HLB, UOB, CIMB, RHB and AmBank approved all my additional 6 cards.

This post has been edited by fruitie: Oct 23 2015, 10:50 AM
fruitie
post Oct 23 2015, 11:00 AM

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QUOTE(panda-man @ Oct 23 2015, 10:58 AM)
walao.  shocking.gif chill lah... im not accusing you of anything. dont need to be so defensive. i said maybe. even i dont know whats on my own CCRIS. hai...  oh well.
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Don't assume then, you may not know how offended the person will get.
Moreover, do you know banks are not supposed to share the rejection reason?

However, knowing Ikhwan rejects people due to high exposure reason, I'm not surprised for mine. Definitely not CCRIS reason.

This post has been edited by fruitie: Oct 23 2015, 11:00 AM
fruitie
post Oct 23 2015, 11:13 AM

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QUOTE(panda-man @ Oct 23 2015, 11:06 AM)
i apologize if any offense was taken. it was not my intent.
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Nah, no issue. biggrin.gif I apologize too but I don't like people commenting others' CCRIS when knowing nothing about it. smile.gif


Anyway, I haven't started using my Ikhwan card and was thinking will it be deactivated if I don't use it for months. laugh.gif
fruitie
post Oct 23 2015, 11:18 AM

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QUOTE(panda-man @ Oct 23 2015, 11:14 AM)
i baptized it by filling my car full tank hahahaha.

btw. i saw your tag says beijing. you from beijing or live there? or just love it heheh.
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I will pump using it when I go back hometown on weekends, but I don't go back often and my car is not in KL. laugh.gif Well, it is a free for life card. Much better than UOB Plat for my case. biggrin.gif


OT: I stayed in Beijing before for few months and every year I will be there to spend some time with my friend. This year, I will go during Dec because my friend came and stayed in KL for around 4 months. biggrin.gif Last year, I was there for around 4 months in total. laugh.gif

This post has been edited by fruitie: Oct 23 2015, 11:19 AM
fruitie
post Oct 23 2015, 11:36 AM

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QUOTE(panda-man @ Oct 23 2015, 11:29 AM)
actually this is my only credit card (dont like to manage so many cards, i dunno how you do it hahah), so just wondering. how to pay for car loan & homeloan and stuff through CC? i was on M2U but seems no option. is it possible? i mean its money i pay every month anyways. might as well get treatspoints... anyone doing that? would like some advice. my car is under maybank but home under RHB.

OT: i spent 5 years there. also head back often. got familia there. i moved to KL back a year ago because pollution was getting to me.... and well... look at us now.  doh.gif
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No, you cannot pay another credit with another credit (credit card). smile.gif
If not, we would have maximized everything. laugh.gif
fruitie
post Oct 23 2015, 11:54 AM

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QUOTE(panda-man @ Oct 23 2015, 11:37 AM)
even with other bank? like my RHB one?
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QUOTE(panda-man @ Oct 23 2015, 11:41 AM)
why bank so smart one?  hmm.gif  i feel wasting my treats points.
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Yes, all banks. Not about smart or not. Loan is already a credit, if you keep adding your credit, people will go bankrupt soon. This is the requirement from BNM.
I doubt any country allows you to pay loans with another credit cards.
fruitie
post Oct 23 2015, 12:51 PM

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QUOTE(panda-man @ Oct 23 2015, 12:02 PM)
oh well. on another note. did any of you take the zing TnG card? i kinda feel its a scam with reload fee of RM2. i dont really see purpose of automatically topping up at RM50. i wish we could set the values. how often we really need RM150 on a TnG card.
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We don't take it because we can easily reload TnG with better benefits. rolleyes.gif
I reload RM 200 every time. Some reload RM 500. wink.gif
fruitie
post Oct 23 2015, 02:15 PM

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QUOTE(wjleong15 @ Oct 23 2015, 01:18 PM)
what is high exposure reason?
do you have amex charge card? wondering how to get it approved...  hmm.gif
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Too many cards in a way. laugh.gif
No AmEx Charge Card. smile.gif

QUOTE(panda-man @ Oct 23 2015, 01:55 PM)
500?! wow. im scared to lose my card, so always around RM50-80 (if going on trip to penang or something).
got TnG w/better benefits?
i guess that makes sense, esp. if got more than one car. and i see a lot of shops can pay for food now w/TnG. hmm... maybe i should apply as emergency card or emerengy makan card.
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You can always report loss. smile.gif
You can use Ikhwan and reload in some of the supermarkets as they are considered as groceries. Head over to this thread: https://forum.lowyat.net/topic/3304889
fruitie
post Oct 23 2015, 02:42 PM

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QUOTE(panda-man @ Oct 23 2015, 02:22 PM)
omg... you wonderful person you  thumbup.gif . thanks for the tips. can save some money through this. and some place paying for lunch with TnG can also get discount. so extra savings  icon_rolleyes.gif
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Even some petrol stations as well (for petrol category) but since my office is very near to Sam's Groceria. I can reload from there and even pay my bills via its ePay and it will be counted as groceries. biggrin.gif

This post has been edited by fruitie: Oct 23 2015, 02:42 PM
fruitie
post Oct 24 2015, 02:59 PM

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QUOTE(howszat @ Oct 24 2015, 12:20 PM)
Can do online application? Or open at branch only?
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I submitted via email. All correspondence via e-mail.
fruitie
post Oct 26 2015, 12:04 PM

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QUOTE(salimbest83 @ Oct 26 2015, 12:01 PM)
as for ikhwan, do we get benefits like the HLB 10% everyday and almost anything groceries, bill payment, house installment etc rite ?

ikhwan 5% works only on friday n saturday,
and one more. do ikhwan cover from groceries, bill payment etc..?
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Ikhwan is 5%.
None of the credit cards accepts payment for house installments.

Ikhwan covers groceries and petrol. No bill payments unless you pay them at Sam's Groceria's ePay system as it will be considered as groceries.
fruitie
post Oct 27 2015, 09:29 PM

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QUOTE(fruitie @ Oct 17 2015, 11:08 AM)
Of course you can apply like normal but Ikhwan till date has one of the highest rejection rates compared to other cards. I have been rejected twice and just approved recently after I agreed to split limit.

Ways to get Ikhwan MasterCard:
I) Apply like normal applications
II) If method I fails, then ask to split limit from your existing conventional credit limit to Islamic credit limit.
III) If method II still fails, convert your existing Maybank card to Ikhwan.
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QUOTE(sg999 @ Oct 27 2015, 09:20 PM)
just called to cs
they told me cannot share limit with mbb2cards
either transfer it from mbb2cards or apply a NEW ikhwan card. cry.gif
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Refer above. Have you applied first? First apply like a normal application.
fruitie
post Oct 28 2015, 03:11 PM

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QUOTE(LalaluSan @ Oct 28 2015, 01:24 PM)
Hey all, just wondering, does 1 month epf (annual > 30k) sufficient to apply for this CC?
Got my increment few months back, but sadly company back pay me early this month (which mean epf statement only shows October having annual > 30k instead of 3 months back).

*aherm* petrol monthly usage > RM320 , can easily apply UOB, but i choose not to. (1st time user, dont want to manage that many CC)
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I really don't suggest you to do this until you have at least 3 months, knowing it is MBB Ikhwan, it is not as easy as other card...
fruitie
post Oct 29 2015, 01:53 PM

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QUOTE(kuai_chai @ Oct 29 2015, 01:47 PM)
hi guys, my ikhwan card was approved in august, so i started spending at groceries such as tesco/aeon big on fridays and saturdays until now..
however, until today's statement, i did not receive any cashback yet..
are there any hidden T&C to receive the cashback??
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No hidden T&C.
It will be posted on 1st or 2nd of following month.
Else, post your transactions out and let us check.

If like what you said, you should receive on 1st or 2nd Sept for Aug transactions and Oct for Sept transactions.
fruitie
post Oct 29 2015, 09:13 PM

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QUOTE(kuai_chai @ Oct 29 2015, 07:46 PM)
Ok.. here u go..
I started spending in September..
[attachmentid=5208439]
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That's strange. hmm.gif
I think you need to check with CS, unless both of these transactions have no groceries MCC. Aeon Big may have, probably not the Aeon. hmm.gif
fruitie
post Oct 30 2015, 08:50 AM

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QUOTE(cacheblue @ Oct 30 2015, 04:37 AM)
Tried
Got reply that will forward my enquiry to relevant department
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I got mine after sending them email.
fruitie
post Oct 30 2015, 02:40 PM

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QUOTE(fruitie @ Oct 17 2015, 11:08 AM)
Of course you can apply like normal but Ikhwan till date has one of the highest rejection rates compared to other cards. I have been rejected twice and just approved recently after I agreed to split limit.

Ways to get Ikhwan MasterCard:
I) Apply like normal applications
II) If method I fails, then ask to split limit from your existing conventional credit limit to Islamic credit limit.
III) If method II still fails, convert your existing Maybank card to Ikhwan.
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QUOTE(Mightypc @ Oct 30 2015, 02:34 PM)
Erm..  hmm.gif
Thanks for the tips, the CS didn't told me the limit thing. Did they inform you they rejected you? Or need to call and ask?
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Requote myself again.
It works but you have to go through stage 1 first and only if it is rejected, you write in an email to get it approved. I split my limit only being approved. sweat.gif doh.gif
But I only asked to split RM 2k because I will not use it that much though. laugh.gif

Nope, they will not inform you. You will need to call to check the status.
fruitie
post Oct 30 2015, 02:56 PM

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QUOTE(Mightypc @ Oct 30 2015, 02:54 PM)
Huh, sometimes just very frustrated and feel hopeless with local firms.

Last time i applied from SC bank, they actually sent me a notification to tell me that they rejected me!
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I guess Maybank will do the same as well but if you want fast result, probably you can call and check from time to time. smile.gif
fruitie
post Oct 30 2015, 03:39 PM

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QUOTE(Mightypc @ Oct 30 2015, 03:04 PM)
Wow, just checked my M2U. This is what i get!!!  icon_idea.gif

[attachmentid=5214407]

Applied on this Monday, today already appear in my M2U thumbup.gif
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Good for you, congrats without going all the hassle. smile.gif
fruitie
post Oct 30 2015, 04:51 PM

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QUOTE(waylen @ Oct 30 2015, 04:14 PM)
just called them.they said able to nego and adjust until i get the card.wait for ttheir email now  rclxms.gif  rclxms.gif  rclxms.gif impossible got money earn dont want ma~lol
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Maybank Ikhwan is a unique entity. The way how they react indirectly telling you, "I don't need your money." laugh.gif

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