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

reporting in...

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

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

Public Bank VS and Maybank VS took the limelight

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)?

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.

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!

review is up by maestro Gen-X 

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

Just treat it as a backup CC.

That is what I'm planning to do.

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... 

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

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.

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.

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?

Edited - Apologies, got my divided and multiplied terbalik.

A layman simple definition is as follows:

Banks are required to maintain a minimum amount of Capital based on its Risk Weighted Assets that it holds. 

This Risk Weighted Assets are derived from a Capital Charge multiplied by the Assets of a Bank which are mainly its Debtors (Borrowers) in form of Loans given.

A Bank’s capital can be in the form of Share Capital, Share Premium, Retained Earnings and other deductibles which are too complicated to explain. So, for this example, just use the above Share Capital, Share Premium, Retained Earnings as definition of Capital.

The main Capital Charge formulae is as follows:

For Personal / Unsecured Loans = 100% of the said amount
For Residential Mortgages = 35% of Loan Amount if the LTV is <80%
For other Residential Mortgages = 50% of Loan Amount
For unutilized Credit Limit in Credit Cards = 20% of balance Credit Limit

So, say for instance, the Bank has the following Loan portfolio

Housing Loans with LTV below 80% = RM500 mln
Housing Loans with LTV above 80% = RM800 mln
Personal Loans = RM200 mln
Credit Cards

Total CL = say RM60,000 * 10,000 cards = RM600 mln
Average Credit Utilised = RM10,000 * 10,000 cards = RM100 mln
Average unutilized Credit Limit = RM500 mln

Total Risk Weighted Assets

Mortgages with LTV < 80% = RM500 mln * 35% = RM175 mln
Mortgages with LTV > 80% = RM800 mln * 55% = RM400 mln
Personal Loans = RM200 mln * 100% = RM200 mln
CC – utilized Credit Limit = RM100 mln * 100% = RM100 mln
CC – unutilized Credit Limit = RM500 mln * 20% RM100 mln

Total RWA = RM975 mln

The min Capital Adequacy is Capital / RWA = 8%, so min Capital required = RM12,187.5 RM78 mln

Now, if the Credit Limit for the CC was only at RM30,000, the total RWA wouild be reduced to RM915 mln and the minimum capital required by the Bank will be reduced to RM11,437.5 RM73.2 mln or lowered by RM750 RM4.8 mln (RM30,000 * 10,000 cards * 20% / * 8%)

Hence, CC limit places heay burden on a Bank’s total Capital

That’s why smaller Banks like Affin don’t want to issue many CC

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