Maybank Islamic MasterCard Ikhwan Gold and Platinum Card



Thanks to Grand Master Sifu MilesAndMore who taught me about the benefits of the Maybank Islamic MasterCard Ikhwan Platinum/Gold Card.

Benefits:

1. FREE FOR LIFE

2. 5% Cash Back for Petrol and Groceries on Fridays and Saturdays. Capped at RM50/month for Principal only.

3. TreatsPoints. Every RM1 spend locally and overseas earn 1 Treatspoints

4.Umrah Trip. One weekly Umrah winner (package for 2pax) will be selected to win an Umrah package (for Muslims) or holiday package (for non-Musilms) - non exchangeable / transferable. Every RM200 retail spending in one single receipt entitle for 1x entry. Campaign starts 1st August 2014 and ongoing. Winner selection will be done every six (6) months.

The Maybank Islamic MasterCard Ikhwan Gold and Platinum Card is great to compliment the Maybankard 2 Cards. And with these two fantastic Maybank cards, we can now earn up to RM100 per month in Cash Back for Petrol, Groceries plus other type of transactions.


Click here to read my short review of the Maybank Islamic MasterCard Ikhwan Card.

Click here to my article titled The Best Cash Back Credit Cards Combination and see how other credit cards can earn you more cash back to compliment the Maybankard 2 Card and Maybank Islamic MasterCard Ikhwan Cards.

This post has been edited by Gen-X: Oct 31 2014, 05:45 PM

If I may add, credits to original poster rayz112 who notified us about this new card back in June 2014

yes, as i know, rayz112 was the first to post about that cc.

These fantastic cards have been around for months and no one open a thread? The Maybank Islamic MC Ikwan is the replacement card we have been waiting for after OCBC Titanium MasterCard revoked the 5% cash back. Coupled with the Maybankard 2 AMEX, we now have Friday, Saturday and Sundays to earn 5% cash back for petrol.

This is a new topic, your above post is called spamming. When we get to V2 or 3 or 4 then you may go get one post count for posting reporting in, hahaha

Please do not spam but edit your earlier post to include above.

If you had combined the two comments in a single post, then it would not be called spamming, hahahaha

This post has been edited by Gen-X: Oct 30 2014, 12:48 PM

Public Bank VS and Maybank VS took the limelight

how about Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i ?

Benefits
-No Annual Fee
-No annual fee when you sign up for PETRONAS Ikhwan Visa and no conditions attached
-Non Compounding Charges
-Save on non compounding charges every month
-Extra TreatsPoints (with no expiry date)
-8x TreatsPoints on weekend and 5x TreatsPoints on weekdays whenever you spend at PETRONAS Service Stations
-8x TreatsPoints for purchase at groceries every weekend
-Free Petrol with TreatsPoints
-Collect TreatsPoints and use them to redeem Petronas petrol vouchers
-Enjoy Exclusive Treats!
-Free Maybankard Touch ‘n Go Zing Card
-Get this automatic reload card that is link to your PETRONAS Ikhwan Visa

after getting this card, our credit limit must be split to two: conventional and islamic credit card

5% Cash is better than 8X Treat Points

And with the Maybank Islamic MasterCard Ikwan, you get 5% cash back at ALL petrol stations PLUS another 1 TP.

Now, for Maybank non-Islamic credit card, the credit limit is not split but shared. However if not mistaken, previously it was reported that the CL both both Maybank and Maybank Islamic cards are separate. Call Maybank Customer Service to reconfirm.

The members here mostly must be all going after Premier cards, hahaha


This post has been edited by Gen-X: Oct 30 2014, 01:17 PM

I don't want to waste big sum of money on cleaning the injection head later on, so no Petronas petrol for my car.

lol sorry for "spamming".

i must explain when i saw this thread, i just thought that finally someone posted about this cc. so, i came reporting in. i really didn't think about this is a new topic about a new cc because we have been talking and promoting this cc for months here.

also, if you use phone to post, you will probably understand better why posting is faster than edit. after i posted my comment and saw another person's comment that i agree upon, i can just click "reply" and post again. but if to edit, i can't quote that person's comment to edit into my previous post. which means i need to click reply to that person's comment, copy the quoted content, click edit on my previous post, and paste in before start commenting.

finally, i still don't understand why so many people mentioned about post counting? is it really so important in lyn? can get any rewards with high post counts? perhaps you may teach me what can i do with a high post count (because from my phone i can't see the post count from anybody including myself)?

This post has been edited by victorywp: Oct 30 2014, 02:14 PM

I think I'll just apply this card to replace my UOB ONE classic.

i chose Maybank Visa Signature over this..

Not qualified for that. I wished too.

Somemore AF for MBB VS is barely waive-able.

call up for waiver on month 11, if not allowed then only cut, meanwhile enjoy the benefit first

Abit off topic:-
What does non compounding charges means?

say all you want, but the fact is you did spammed!

great card...but I got Maybank2kard Amex, MBB VS and PB VS already

i already apologised in my previous post for "spamming" and i never deny it.
i just further explained the reason behind.

if you still feel offended, sorry my bad.
perhaps we must not suggest you to give credits to rayz112 in the first place.

I guess you really want me to be on attack mode against you by you insinuating that I was offended with cybpsych's post giving credit to rayz112. Credit has been given to rayz112 in Post#2.

I suggest you delete your unnecessary post above to offend me (because I pointed out you were spamming earlier which you did not deny and actually spamming again with your above post for another post count) and I will do the same here. Else be ready for me proofing that you have been spamming in this section and I can tell you that you wont like it.


And at the rate we going (both spamming with post that has nothing to do with credit cards), MOD going to close this thread, hahahaha

This post has been edited by Gen-X: Oct 30 2014, 03:23 PM

Oh yea!!! i can finally found a suitable additional combo card for my MBB2 amex

EDIT :

Gen-X , are you going to do a review for this card? cant wait to read ur blog!

This post has been edited by kinabalu: Oct 30 2014, 03:06 PM

Bro, yes of course I will publish a review of the Maybank Islamic MC Ikhwan soon. However I doubt you will learn anything new because basically I'll just show how one can earn more cash back by having both MBB 2 Cards and MBB MC Ikhwan card. Like you said, the Maybank Islamic MC Ikhwan is an additional card to MBB 2 Cards.

This post has been edited by Gen-X: Oct 30 2014, 03:20 PM

I already have mbb 2 card if apply again this card need to gov tax rm50 or not ?

Well, at least i can use this card for cash back on Friday, while saturday and Sunday i will use Amex.

One downside is the Tp is so pathetic.

Reported in.. I already have this card

A Protong

Nope, before this you need to get HLB's STUPID card for its 8.25% cash back.

Yes. U will need to pay the GST RM50 for this card.

lol... why u hate that card?

Just imagine you swipe the card at the pump and you can't get cash back, swipe at Jusco you get the officer's hair. Not to mention swipe at muslim's country they are saying the MCC is selling alcohol's MCC. Taking 9 days to get a transaction posted

Anyone has applied this card? got GST waived for first year?

I applied by calling 03-5891 4777. No GST waiver for first year.

Gold only and don't want Zing T&G

At this rate, Both of you are spamming & I am 3rd to join in..Haha..

Anyway, anyone has confirmed that the Credit Limit for conventional and Islamic MBB cc is Shared or Separately?
This is good for MBB 0% BT promo..more the CL, the more BT..

The CL given by any one Bank will be shared equally by all the CC issued by the same Bank

Example, I apply for VS and is given say RM50K in CL

I apply for the Ilhlawan and I will also be given RM50K CL but it does not mean that I can spend RM50K on both cards, thus incurring RM100K outstanding.

The RM50K is to be shared between the 2-cards so long as max of RM50K is not breached by me in any combination spending.

i took PB VS to compliment my MBB2 cards, i think it is a better combination, for me at least.

It would be more attractive if they expand the cash back categories and/or the day specific requirement. In this sense, the old OCBC Ti wins by a large margin.

Or at least, change Friday/Saturday to Tuesday/Wed or Wed/Thursday. In this way, it will complement the MBB2 Amex nicely. Lol, I complain alot

no, what a big misunderstanding again.

1) actually i was expecting you to put in the credits to rayz112 into your post (after our suggestion), unknown to me that you felt it's just ok by leaving it at post #2 under cybpsych. no problem anyway.

2) unnecessary post has been deleted (i have contacted mod). anytime in the future, if you may see i'm spamming again, you may just click the "report" button for further action. if you chose to remind me in your comment, please also do not deny my explanation too. anyway, apology has been made, it's up to you whether to accept or not.

3) despite what had happened, i do still respect you for your continuous help to many in your blog posts. do keep up your writing spirit to help many others.

yes, i do feel pbb vs a better combination for mbb2cards too because:
1) it offers 6%, instead of 5%
2) it's for everyday, instead of just friday and saturday
3) it covers other categories = online and dining

credit limit will be shared with hard barrier in between. e.g:
total credit limit given by mbb 200k
u must decide how much for islamic & how much for conventional eg: 80k for islamic & 20k for conventional

yeap i'd go for this combo as well

Did you know that for RHB conventional and Islamic credit cards, the credit limit is separated? I can confirm that because I have both.

4) its monthly capping at rm60, instead of rm50

*delete post

This post has been edited by leo_kiatez: Oct 30 2014, 10:31 PM

i mean pbb vs compared to this mbb ikhwan lol...

OK, sorry misunderstand lol.. ;-)

Anybody can answer my question i posted earlier?
Tq

just the islamic way of calculating
compound or not, interest or not, you still ends up paying the same as a conventional card

Petrol and grocerries aleady cover by HL Wise... I guess I will pass, it is a not bad card though

okay, good for you but you should clarify as I said, I used to have 2 cards from RHB also, both say CL is say RM60K, via a separate letter, I was informed that but total CL to me is still RM60K and not RM120K

Yup, this card will be good after the STUPID card. And have to swipe on "weekends" only, so use as third card will be better deal.
Only advantage on this card is I can pay using M2U.

review is up by maestro Gen-X

http://generationsxyz.blogspot.com/2014/10...ard-ikhwan.html

Bro Gen-X, paying TNB bills using M2U will be processed on weekends and eligible for the cashback

Bro, thank you for reading the article. And you faster than me announcing it here, haha

Thanks for reading it too. And Bro, really appreciate you confirming above and I have updated the article to let the entire world know about it.

This post has been edited by Gen-X: Oct 31 2014, 08:55 PM

anybody get cash rebate for spending at speedmart?

This card petrol rebate is it compulsory to use it at pump or inside counter can get rebate too?

both ways can get cb.

This post has been edited by victorywp: Nov 1 2014, 01:31 PM

The MCC will define if you're eligible for the cash rebate of the eligible category regardless of the type of transaction - POS, offline, online, self-service kiosk

Friday & Saturday petrol and groceries cash rebate follow transaction day right not posted date ? Just like Mbb2Card follow transaction date?

yes

not easy for me to spend up to rm1000 per month for groceries and petrol alone...
one need to spend 1k in these categories to maximize the cashback

you don't have to purposely spend 1k in order to maximise the cb. whatever you spend in between 0-1k also can get the 5% cb.

Just treat it as a backup CC.

That is what I'm planning to do.

Yes, you are right Bro, only get the card if one needs another card for Petrol and Groceries.

To ALL:

I just posted a FREE Tutorial at my Facebook Page comparing the Maybankard 2 Cards and Maybank Islamic MasterCard Ikhwan for those who can't decide which card to get and worried about the RM100 GST for the Maybankard 2 Cards.

Click here to my Facebook Page to see why one should get the Maybankard 2 Cards instead of the Maybank Islamic MasterCard Ikhwan if he /she only spends up to RM1K per month.

This post has been edited by Gen-X: Nov 2 2014, 10:43 PM

I think it will be easier if you just put it here rather than ask people going to your personal page.

Want to generate visit mah...

Bad attitude

Bro, my Facebook Page is classified under Community and anyone can view as it is not classified under Personal where you need to friend me Just click on the link one can easily read my comparison of MBB 2 Cards vs MBB Islamic MC Ikhwan Card.

You expert on credit cards so no need go read my Facebook or Blog, but for those who have doubt as to which card to get, i.e, Maybankard 2 Cards versus Maybank Islamic MasterCard Ikhwan, my post at my Facebook Page can assist them in choosing the right card for them. And each of you have the prerogative to visit my Facebook or not.

haha, you very smart... yes, I have lots of info or Credit Cards and Fixed Deposit at my Facebook Page for those who are willing to visit it.

This post has been edited by Gen-X: Nov 3 2014, 02:30 PM

The problem is, I boycotted FB for long time already.

Thanks for sharing.

Still, I think the better to take 2 for MBB2card (provide with gf or wife's detail) since the card can be use for every utility fee, petrol & Groceries

Although it will charge for RM100, but it can be redeem from TP by 25,000 which is 4-6 months spend that can be get the enough TP. After that, all the cash back is for your own reward.

Different between MBB2card & Islamic MasterCard Ikwan are only on Friday & Sunday right, correct me if I'm wrong

Below are the comparison holding MBB2card + Islamic and 2 for MBB 2cards:

2 for MBB2card - yearly spend RM24,000 (RM1000 per month per card)
- Cash back = RM1,200 (2 cards)
- point earn = 120,000 (2 cards) (equivalent to cash back RM480)
- Total earn = RM1,680

Minus
- GST Charge = RM200

Total to be earn from cask back = RM1,480

MBB 2 card & Islamic MasterCard Ikwan - yearly spend RM24,000
-cash back = RM600 (MBB2card) + RM600 (Islamic)*
-Point earn = 60，000 (MBB2card) + 12,000 (Islamic)* = equivalent to cash back RM240+RM48
-Total earn = RM1,488

Minus
- GST Charge = RM100 (MBB2card) + RM50 (Islamic)

Total to be earn from cash back = RM1,338

There have different cash back RM150

This is what I'm thinking for both cards to be holding, please let me know if I'm wrong detail given

* Cash back is entitled only for Petrol and Groceries on Friday & Saturday

it would be a good combo if you don't have hlb wise for petrol/groceries category or pbb vs card or even maybank vs

Nope, this Ikhwan card are only good for third card. Still MBB's dual card as first card, HLB's STUPID as second card, follow by Ikhwan card.
To make your TP worth more than what it stated, the best is getting AeonBig's cash vouchers, 25000TP for rm105, then use it on 28th of the month.

This card is a watered-down version of Maybank VS

less RM38 rebate, no PPL access and no 5x TP

MBB VS won't earn you any TP on petrol and groceries.

This card still gives you 1x TP on these two categories right?

IMO, in terms of affordability with good cashback/reward, [low/entry level] MBB Islamic Ikhwan then [low-mid] M2C then [mid-high] HLB Wise are good choices.

all these cards are within reasonable reach by most ppl with RM30-40k per annum income.

suggestions by sj0217, DarReNz and supersound above are valid and depends on each individual's personal preferences (e.g. rewards, customer service, efficiency, etc)

if only MBB Islamic Ikhwan card has signup promo similar to M2C then this card is fairly good until next year's GST implementation.


side note: too bad public transport still bad, personal transport dependency on petrol is still very high, thus any cashback for petrol category would be very much appreciated.

side note 2: let's hope by next year's GST, MBB wont introduce AF to their cards (taxable). be watchful with current signup promo or rewards that spans until 1st April 2015 (GST implementation). there could be new mechanism/"control" on new signup requirements after 1st April.

If have MBB2card and MBB Islamic Ikhwan both cards, the treat points collected will be combined or separated?

Applied for a Gold.

Approved for a Platinum as the card appears in M2U.

I'm using mbb2card right now, can I apply this card by just calling cs ?

You have to call the other number: card centre number.

The general CS line may not entertain you.

I applied through calling.

This post has been edited by David83: Nov 5 2014, 08:14 AM

Alright thanks.

Tumpang Tanya saat...
Whether We Need to Submit Any Income Doc for this Applied through Calling & get the Card approval Straight away...???

This post has been edited by fly126: Nov 5 2014, 10:00 PM

The staff will ask you if you have existing CC with MBB and if your salary goes in to MBB. If you answer YES, then no need to submit a single document.

Otherwise, I have no answer.

Sis, just call the number David83 gave, it's MBB marketing department and they sure be more than happy to assist you.

Any freebies if apply this card?

GST waived?

do I still need to submit the necessary documents even though I'm existing maybank 2 cards holder?

I applied through phone. If you have existing CC with MBB and if your salary goes in to MBB, no need.

The CL for this new card is merely RM 12k.

My MBB2 AMEX still stays at RM 10k since its introduction.

How stingy is MBB.

maybe mbb faced too many users overspent and ended up in bankruptcies. lol...

another reason is they checked on your average usage since you hold the cc. if you always far off from your current cl, there is no reason they need to increase your cl (just for bt?). lol...

Have u updated Maybank on your latest salary


FYI, under Basel 3, there is capital charges for unutilised CL for CC.

Hence, if u are not regularly high roller or potential high roller, banks will start to reduce CL going forward.

Bro, interesting that you shared above, so we can conclud that MBB Islamic and Maybank CC have separate CL, right? If yes, it means your total exposure to Maybank Group is now RM22K.

And by the way, why need high CL for the MBB Islamic MC Ikhwan? RM3K more than enough to get max benefit from the card. The card is only good as a side kick card to MBB 2 Cards.

Bro, one day you FREE, PM me to meet up and I buy you coffee and you explain to me what the heck is with the proposed changes and how I can object to it.

This post has been edited by Gen-X: Nov 7 2014, 01:04 PM

They said they no need any documents since my salary goes into MBB SA.

I believe the CL is not shared based on this condition. I checked that my MBB2 AMEX/Visa CL is still at RM 10k.

YES It's Confirm by their Telemarketing Sales Exec.... Need to Submit Your Latest 3 Months Salaries Slips & Bank Statements to Apply even though for an existing MBB CC holder...

Unless, if Your Salary Credit to MBB Account then NO Need any Income Doc to get the Card

Hi.. I would like to ask.. I registered this card for celcom auto-pay bills.. But I did not receive any sms alert that they already paid my bills.. Is this normal?