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

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fruitie
post Jul 21 2015, 05:55 PM

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QUOTE(sonotme @ Jul 21 2015, 05:54 PM)
eh i didn't know that mastercard got 8x treat points..  shocking.gif
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Please re-read his post again. smile.gif
That's Ikhwan Visa Petronas which gives 8xTP, the normal Ikhwan MasterCard doesn't have 8xTP la... sweat.gif
fruitie
post Jul 21 2015, 11:38 PM

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Since I'll be free for the coming three days, boss just booked flight today for his tomorrow's holiday trip to Phuket; I guess it is high time for me to look into this and need to go to KLCC/MV for application.

Which centre will have higher chance? hmm.gif

I'm actually thinking of KLCC because I will need to go to RHB KLCC to fix my online banking as well. Still no online banking to view my transactions. laugh.gif

This post has been edited by fruitie: Jul 21 2015, 11:38 PM
fruitie
post Jul 22 2015, 09:25 AM

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QUOTE(cute_miao @ Jul 22 2015, 09:19 AM)
luckily i din apply..i tot got 5% in all n plan to change from ocbc 1% to maybank earlier
*
Well, it was there all this while from 2011 until revised recently.
fruitie
post Jul 22 2015, 11:01 AM

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QUOTE(chinth @ Jul 22 2015, 10:56 AM)
Apply through RinggitPlus Get Free RM200 Lazada e-Voucher
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Out of curiosity, I checked out RinggitPlus site yesterday, I didn't see Lazada vouchers of RM 200 for Ikhwan card? unsure.gif
fruitie
post Jul 23 2015, 01:32 PM

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Still thinking if I should still call the pre-approved no. to apply for Ikhwan, straight tell them I'm willing to reduce my CL from MBB2Cards. tongue.gif
fruitie
post Jul 25 2015, 09:51 PM

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QUOTE(Lord_Penguin @ Jul 25 2015, 09:34 PM)
ah ok, thank you for your reply...  biggrin.gif
Based on current usage of existing M2C (AMEX), I would say mainly used on petrol and departmental store...
Groceries, zero record... Wonder if worth getting this, any advise?  hmm.gif  hmm.gif  hmm.gif
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Why not? You need to reload TnG right? Some places consider TnG as groceries. smile.gif
fruitie
post Jul 26 2015, 05:02 PM

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QUOTE(Lord_Penguin @ Jul 26 2015, 02:57 PM)
I'm aware of that discussion @ TnG thread. Any idea this MC will bundle with any freebies if applied successfully? Or MBB always no freebies...?  sweat.gif
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No free gift one la, unless you can find a booth.
You better pray that your application will be approved. smile.gif
fruitie
post Jul 26 2015, 10:16 PM

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QUOTE(Lord_Penguin @ Jul 26 2015, 10:10 PM)
I think shouldn't be an issue on the approval since already own M2C (also recently terminated my backup SCB MC)...
Looks like this is the only ideal CC for 5% CB, will head to The Gardens and apply this MC over the weekend, thanks  blush.gif
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There are rejections as well, though owning MBB2Cards. Besides me, there are others as well that got rejected. Of course our record is clean. Other banks approved mine but not Ikhwan. laugh.gif
Anyway, I will reapply again.

Good luck to your application. wink.gif
fruitie
post Jul 27 2015, 06:47 PM

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QUOTE(mywife @ Jul 27 2015, 06:32 PM)
Yeaa...already on that...have never given a cent to bank so far  icon_rolleyes.gif
But reading from forumers experience here (especially fruitie...hi there!), chances of getting rejected still high  sweat.gif
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No worries because there are many that got approved as well. biggrin.gif
Have faith and good luck! flex.gif

I'll re-apply again probably after September, I still have other cards to use until September. biggrin.gif
fruitie
post Jul 29 2015, 06:38 PM

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QUOTE(mgb @ Jul 29 2015, 05:51 PM)
Just found out my application for this card got rejected, have to wait 3 months before can re-apply again sad.gif

Now have to look at other cards got petrol and groceries cashback sad.gif
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Mine is 6 months but that was in April, so I will re-apply again in September or something like that. I still don't need this card at the moment.

QUOTE(Pistacio @ Jul 29 2015, 06:18 PM)
you have outstanding bills before?
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Not necessary. Many reasons, a quick search on this topic and you will see many got rejected even though with clean record.
fruitie
post Jul 31 2015, 11:59 PM

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QUOTE(akping_1 @ Jul 31 2015, 10:37 PM)
My ikhwan was approved and ready about 7pm after 2pm + submit all documents need to 1u maybank center, credit limit sprit from my m2c but set to 1k only
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1k is too little and dangerous right? Unless you every month count ngam ngam 1k of spending. laugh.gif
Should go for like 2k or something. Anyway, that's my opinion la. tongue.gif
fruitie
post Aug 1 2015, 11:07 AM

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QUOTE(Ramjade @ Aug 1 2015, 08:48 AM)
That's not true. Pay when the time comes. Money can be deposited into place like maybank2 savers, ambank true savers. If time your transaction correctly, you can even put into  FD.

That way, you will earn additional interest rather than putting.money in normal saving account.
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That's definitely not kelvinlzy meant.

He meant, for e.g. let's say you swipe RM 500 before statement date and now you are left with 500 CL. After statement date, you swipe another RM 500. Now all your limit is used up. When the first due date comes, you only pay for the 500 which is charged before statement date. So, it only opens up 500 of your CL. Either you live with this RM 500 or clear the rest to get more CL. In reality, the 500 swiped after statement date can be paid in the next due date which could be a month later but because you will need to use more, so you have to pay earlier. In this way, you don't fully enjoy the benefits of CC.

fruitie
post Aug 1 2015, 12:46 PM

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QUOTE(ic no 851025071234 @ Aug 1 2015, 12:41 PM)
Last card dun haf this. Then it will charge my card 200?
But I never use more than 200 only 50
2nd time won't say I use 200?
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It will not charge you 200, will charge the actual amount later.
fruitie
post Aug 2 2015, 03:00 PM

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QUOTE(Ramjade @ Aug 2 2015, 02:25 PM)
This is what I will do. On statement date, Deposit RM1000 into 1 month FD. From current statement date until next statement date, it is about 1 month. The FD will matured on the statement date. Withdraw and put into M2Savers/Ambank True Savers to earn high interest as one is usually only given 20 days from statement day to payment date to pay. On payment date, withdraw from M2Savers/Ambank True Savers and settle your bills in full

Repeat the above cycle by depositing fresh RM1000 on statement date. Why would I want to free up my limit when I can have the bank paying me interest and I know how much I spend a month? Banks should work for the individual and not the individual works for the bank.
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Apply a card but don't want to use it for first month? sweat.gif

https://forum.lowyat.net/index.php?showtopi...post&p=75681562
Above is my own reason for low CL.
fruitie
post Aug 2 2015, 04:05 PM

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QUOTE(Ramjade @ Aug 2 2015, 03:19 PM)
So that the calculations won't be messed up.
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You haven't owned a CC yet right, wait till you have one first and see if it can be so wonderfully planned at all time. smile.gif

QUOTE(kelvinlzy @ Aug 2 2015, 03:24 PM)
Hey fruitie, I overlooked your post above. Yes that is what I meant exactly. With low CL, you need to free your limit occasionally.
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smile.gif Great minds think alike. laugh.gif
I also have to always remember different statement date to maximize CC benefits. tongue.gif
fruitie
post Aug 4 2015, 10:00 AM

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QUOTE(cybpsych @ Aug 4 2015, 09:40 AM)
my ikhwan card approved, listed in m2u biggrin.gif not yet received the physical card (delivery to house)

asked to split CL from m2cards, but finally gotten independent CL instead. no CL reduction from m2cards.

gonna change the statement date to match m2cards.
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How did you apply, may I ask? Walk in or by calling them? smile.gif
fruitie
post Aug 4 2015, 10:08 AM

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QUOTE(cybpsych @ Aug 4 2015, 10:05 AM)
walk-in to KLCC branch yesterday evening.

didnt bring any documents since my pay goes into mbb, just fill up form, staff print out my epf statement on-the-spot, and that's about it.

i didnt convert my m2card cuz i noticed i have existing BTs from the previous BT promo from MBB. still prefer to keep m2c amex for ad-hoc dining at malls.

did a small chat about the m2card revision, she said many ppl was furious (no doubt!) and came to apply mc ikhwan.
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Cool! Thanks for the information. biggrin.gif
I'll do the same too in September or October, since I have just cancelled my RHB card. If my VOX is approved, I will cut CIMB CR as well.

If really cannot, then I will tell them to convert my card lo...
fruitie
post Aug 4 2015, 10:33 AM

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QUOTE(yyie @ Aug 4 2015, 10:11 AM)
VOX better than CIMB cash rebate? i thought the latter seems slightly better?
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It depends what is your usage. VOX is better for me.
Some said can be used to pay UniFi, I'm yet to have it and try, so I can't validate myself.
It also allows flight tickets which CIMB CR cannot. I travel for leisure quite often, so I will appreciate VOX. My business trips are paid directly by companies, so that's not a concern, only my leisure trips are. tongue.gif

QUOTE(cybpsych @ Aug 4 2015, 10:15 AM)
nope, no promo.

my purpose is to get a standby card for petrol/grocery (fri/sat) and to complement with m2card amex for dining (sat/sun)
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Another question on the approval, did you get it on the spot or after a while via SMS?

Thanks. smile.gif
fruitie
post Aug 4 2015, 11:20 AM

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QUOTE(cybpsych @ Aug 4 2015, 10:42 AM)
not on the spot. havent gotten SMS.  laugh.gif

just found the new card entry in M2U.
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laugh.gif Got it. biggrin.gif
Thanks! biggrin.gif Hopefully my application will be approved later. tongue.gif
fruitie
post Aug 4 2015, 01:39 PM

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QUOTE(yyie @ Aug 4 2015, 01:30 PM)
I read this from the T&C...that's why I didn't go for VOX.....but I go for One card....
I am looking for cards that can offer 5% cash back for my streamyx bill too... sad.gif
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I don't want to go OT but there are people paying Streamyx bill via TM Portal using VOX and get 5%.
OK, any related discussion, please bring to UOB thread.

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