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Credit Cards Maybank Islamic MasterCard Ikhwan Platinum/Gold V2, Another Fantastic 5% Cash Back Card

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laymank
post Feb 3 2016, 10:18 AM

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QUOTE(Devil4life @ Feb 3 2016, 10:12 AM)
Ask for the MCC, I suspect it is under online transaction rather than groceries
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I remember it's following posting date. So if it spills over to Feb, it should be in Feb's CB
shadow_walker
post Feb 3 2016, 10:46 AM

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reporting my cashback of rm35.20..all accounted for. thumbup.gif thumbup.gif rclxm9.gif rclxm9.gif
SUSintrepidity85
post Feb 3 2016, 11:24 AM

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QUOTE(wjchay @ Feb 3 2016, 08:50 AM)
I believe every credit card issuer has their own formula, and the formula will change based on issuer's risk appetite. Individuals' risks also will change due to personal loan and credit card CLs.

I have been applying from AEON credit for the 2nd time now, still I don't see them approving me. In the mean time, I got new Ikhwan, PBB VI and PBB VS tongue.gif

Now I am hoping that AEON won't approve me so that I can keep on getting freebies for applying. The last time I applied, the agent put in RM10k credit limit for me, I wasn't even aware. Then as usual AEON called me a few times, checking this and that, then they asked me if I really wanted just RM10k limit? I just responded that they can give me whatever they want, it's just for grocery. (just for comparison, my other cards have like 65k CL).
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at least out of 10 banks , 8-9 banks approval is excellent already.

of course we can't request for 100% approval. getting 90-99% is good enough already tongue.gif
SUSArmata
post Feb 3 2016, 03:56 PM

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Guys, wanna ask..the rebate of 5% on this card, is it applicable :

1) Sat & Sun only
2) Fri & Sat only?

i remember it's Sat & Sun..but my friend told me should be Fri & Sat..anyone knows?
SUSDavid83
post Feb 3 2016, 03:57 PM

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QUOTE(Armata @ Feb 3 2016, 03:56 PM)
Guys, wanna ask..the rebate of 5% on this card, is it applicable :

1) Sat & Sun only
2) Fri & Sat only?

i remember it's Sat & Sun..but my friend told me should be Fri & Sat..anyone knows?
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Fridays & Saturdays
SUSArmata
post Feb 3 2016, 04:02 PM

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QUOTE(David83 @ Feb 3 2016, 03:57 PM)
Fridays & Saturdays
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Thanks bro..and here i am thinking it's Sat/Sun and been pumping petrol on Sun...guess all wasted.. cry.gif

thanks nonetheless. nod.gif
saitong09
post Feb 3 2016, 04:16 PM

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QUOTE(Armata @ Feb 3 2016, 04:02 PM)
Thanks bro..and here i am thinking it's Sat/Sun and been pumping petrol on Sun...guess all wasted.. cry.gif

thanks nonetheless. nod.gif
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Still got 1tp which equivalent to 0.25% smile.gif
SUSArmata
post Feb 3 2016, 04:17 PM

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QUOTE(saitong09 @ Feb 3 2016, 04:16 PM)
Still got 1tp which equivalent to 0.25% smile.gif
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what's 1tp?

and u mean even if i pump petrol on Sun until Thurs, i still can get 0.25% rbate? if yes, then at least i dont feel so bad d.. nod.gif
cybpsych
post Feb 3 2016, 04:21 PM

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QUOTE(panda-man @ Feb 3 2016, 10:06 AM)
i just calculated my CB and seems my tesco delivery transaction didnt get CB. not sure if its because posting date is late? i wonder if it will be CB in february? anyone had this case before? i guess ill wait till end of feb to see anyways half the month im gonna be gone. supposed to get max CB but i only got RM29.

but if i take out just that RM500 from the delivery the rest of cash back is correct. even the other tesco transaction which resulted in posted on 1 feb. so the only thing i can assume at this time is that tesco delivery does not have CB

now i know better not to do any transaction near the end of the month.
[attachmentid=5960548]
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what is your exact cb received? RM29.00?

if i exclude the tesco online delivery (rm501.28), the max cashback you could get is rm28.68.

This post has been edited by cybpsych: Feb 3 2016, 04:23 PM
panda-man
post Feb 3 2016, 04:23 PM

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QUOTE(cybpsych @ Feb 3 2016, 04:21 PM)
what is your exact cb received? RM29.00?

if i exclude the tesco online delivery (rm501.28), the max cashback you get is rm28.68.
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yeah my CB is exactly RM29. i guess they have some rounding rounding somewhere? or maybe from dec got one didnt give of .32 CB? hahaha
cybpsych
post Feb 3 2016, 04:25 PM

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QUOTE(panda-man @ Feb 3 2016, 04:23 PM)
yeah my CB is exactly RM29. i guess they have some rounding rounding somewhere? or maybe from dec got one didnt give of .32 CB? hahaha
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round down to 2 decimal, per transaction.
panda-man
post Feb 3 2016, 04:31 PM

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QUOTE(cybpsych @ Feb 3 2016, 04:25 PM)
round down to 2 decimal, per transaction.
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well either way as long as its in the vicinity im ok.
cybpsych
post Feb 3 2016, 04:40 PM

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QUOTE(panda-man @ Feb 3 2016, 04:31 PM)
well either way as long as its in the vicinity im ok.
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not really, cuz mbb's cb calculation is accurate/exact. there's something missing or not calculated from your listing.

if my understanding is correct, the Feb posting would flow to Feb cashback pool. with that, cashback would be rm27.74.

This post has been edited by cybpsych: Feb 3 2016, 04:41 PM
saitong09
post Feb 3 2016, 04:40 PM

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QUOTE(Armata @ Feb 3 2016, 04:17 PM)
what's 1tp?

and u mean even if i pump petrol on Sun until Thurs, i still can get 0.25% rbate? if yes, then at least i dont feel so bad d.. nod.gif
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Treat point, 40k tp you can redeem rm100 voucher at card center so equivalent to 0.25%
SUSArmata
post Feb 3 2016, 04:41 PM

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QUOTE(saitong09 @ Feb 3 2016, 04:40 PM)
Treat point, 40k tp you can redeem rm100 voucher at card center so equivalent to 0.25%
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I see. Thanks for the info bro.Appreciate it. nod.gif
chenhui87
post Feb 3 2016, 04:43 PM

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I'm currently MBB2kards user, I tried to apply for this card but get rejected, anyone encountered the same problem here?
My payment record is very nice, never have outstanding balance, normally I make full payment after I used, just want to get reward point from this card. Is this the problem I get rejected? payment very nice until bank can't get any interest charge from me...sigh...
cybpsych
post Feb 3 2016, 04:47 PM

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QUOTE(chenhui87 @ Feb 3 2016, 04:43 PM)
I'm currently MBB2kards user, I tried to apply for this card but get rejected, anyone encountered the same problem here?
My payment record is very nice, never have outstanding balance, normally I make full payment after I used, just want to get reward point from this card. Is this the problem I get rejected? payment very nice until bank can't get any interest charge from me...sigh...
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your first time here?

read back few pages back. it's been discussed many times.
panda-man
post Feb 3 2016, 04:59 PM

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QUOTE(cybpsych @ Feb 3 2016, 04:40 PM)
not really, cuz mbb's cb calculation is accurate/exact. there's something missing or not calculated from your listing.

if my understanding is correct, the Feb posting would flow to Feb cashback pool. with that, cashback would be rm27.74.
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i checked again and missed one petronas transaction of RM25.38
but after calc. end up cashback should be RM29.98... wtf?

confused. rclxub.gif


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fruitie
post Feb 3 2016, 06:43 PM

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QUOTE(chenhui87 @ Feb 3 2016, 04:43 PM)
I'm currently MBB2kards user, I tried to apply for this card but get rejected, anyone encountered the same problem here?
My payment record is very nice, never have outstanding balance, normally I make full payment after I used, just want to get reward point from this card. Is this the problem I get rejected? payment very nice until bank can't get any interest charge from me...sigh...
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Normal. Refer to my post below:

QUOTE(fruitie @ Dec 1 2015, 02:34 PM)
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.

Yes, email is acceptable for CL split request. I got mine via email too.
This is the email address: mbbcardservices@maybank.com.my
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QUOTE(panda-man @ Feb 3 2016, 04:59 PM)
i checked again and missed one petronas transaction of RM25.38
but after calc. end up cashback should be RM29.98... wtf?

confused.  rclxub.gif
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I calculated it is RM 29.03. smile.gif
Just took out 18.90 because it was posted on 1st Feb, so it will be calculated as your Feb cash back.
So it is 25.38+252.15+47.47+52+53.42+26.65+39.85+83.70 = 580.62
5% cash back = 580.62*5% = 29.03
panda-man
post Feb 3 2016, 09:00 PM

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QUOTE(fruitie @ Feb 3 2016, 06:43 PM)
Normal. Refer to my post below:
I calculated it is RM 29.03. smile.gif
Just took out 18.90 because it was posted on 1st Feb, so it will be calculated as your Feb cash back.
So it is 25.38+252.15+47.47+52+53.42+26.65+39.85+83.70 = 580.62
5% cash back = 580.62*5% = 29.03
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Ah.... I see. Gurl, you so smart! Thanks

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