Credit Cards Maybank Islamic MasterCard Ikhwan Platinum/Gold V2, Another Fantastic 5% Cash Back Card
Credit Cards Maybank Islamic MasterCard Ikhwan Platinum/Gold V2, Another Fantastic 5% Cash Back Card
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Nov 3 2015, 10:43 AM
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#1
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
I haven't started using my Ikhwan card.
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Nov 3 2015, 10:53 AM
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#2
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
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Nov 3 2015, 11:36 AM
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#3
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
QUOTE(wan7075 @ Nov 3 2015, 11:03 AM) You should apply for one. No headache to maximize to CB just to balance AF as it is free for life.I just applied it and keep in wallet. Just that the process of getting one is not as easy as other cards, I will cherish it. |
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Nov 3 2015, 02:19 PM
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#4
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
QUOTE(sj0217 @ Nov 3 2015, 01:32 PM) supersound fruitie Yeah, I'm correct. Above discussed previously thread, confirmed that I have get those spending on Oct and cash back on 1 Nov Good for you. QUOTE(LostAndFound @ Nov 3 2015, 02:15 PM) Maybe a bit OT, any maybank card gives rebate for unifi payment? Just realized my newly approved CIMB CR can't get rebate for unifi =( Nope, no Maybank card gives cash rebate for UniFi.Nu Sentral not too convenient for me unfortunately. If you want, UOB VOX can get. Verified by myself. |
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Nov 3 2015, 03:16 PM
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#5
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
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Nov 3 2015, 04:17 PM
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#6
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
QUOTE(fin307 @ Nov 3 2015, 03:22 PM) just want to know, So long he fulfills the salary requirement, one can have a credit card unless banks reject due to some other reasons.my friend is a fresh grad and just started working, can he apply a cc using graduan scheme offered by Maybank ? tq! I still think fresh grads should hold on until receive 3 months payslips to further convince banks. |
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Nov 3 2015, 04:52 PM
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#7
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
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Nov 3 2015, 05:53 PM
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#8
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
QUOTE(fin307 @ Nov 3 2015, 05:01 PM) sorry working just now, It depends on his usage. First card, I think both should be easily approved. If for petrol and groceries, can try Ikhwan.hurm. I told him the same thing, but which have better chance of getting a card tho? maybank 2 golds or ikhwan gold? This post has been edited by fruitie: Nov 3 2015, 05:54 PM |
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Nov 3 2015, 11:39 PM
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#9
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
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Nov 4 2015, 09:25 AM
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#10
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
QUOTE(sendohz @ Nov 4 2015, 08:12 AM) I have a similar situation. I think Maybank is fine and M2U won't allow overpayment unless you have unbilled transaction. My statement balance is RM200 But i am only allowed to pay RM190 through M2u. Will i get charged for the remaining RM10? and it's already past due date for this statement. I guess you all know the RM10 is the 5% cash rebate for grocery on weekend. |
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Nov 4 2015, 09:31 AM
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#11
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
QUOTE(p9p9 @ Nov 4 2015, 09:29 AM) not 7 days a week? Cash rebate will be given if the transaction date falls on Fridays and Saturdays.i've been reading about this card and could not find anything that states only for those 2 days. can give me the link? thanks. It's on their website and stated on first post of this thread. QUOTE(wjleong15 @ Nov 4 2015, 09:29 AM) MBB not allow overpayment via M2U, I kene once already when I want to book my flights and hostel, forced me rush to bank deposit >10k cash. so scary around 11pm... Yes, M2U won't allow, you can only use CDM to overpay.hate this feeling. |
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Nov 4 2015, 09:38 AM
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#12
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
QUOTE(p9p9 @ Nov 4 2015, 09:36 AM) oww man.. Ikhwan AmEx has no cash back. So, just apply Ikhwan MasterCard and if you want TP, can apply Maybankard2Cards.so sorry..i got my understanding wrong on this. was reading about ikhwan amex.. 5x TP for petrol and 2X TP for others.. the name some how got me carried away.. |
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Nov 4 2015, 10:37 AM
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#13
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
QUOTE(laith @ Nov 4 2015, 10:27 AM) Strange. I'm a 2Card Platinum holder for 3 years, and was a VS holder (cancelled 2 weeks ago due to no AF waived). I was rejected twice while applying this card, and Maybank refused to disclose the reason for the declined application. I have never pay late, and sometimes overpaid. Not a surprise, many have encountered before. I was also rejected twice. Did this happen to anyone here? Not only Maybank, all banks are not supposed to share rejection reason. Requote myself for steps to get Ikhwan card: 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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Nov 4 2015, 11:12 AM
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#14
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
QUOTE(laith @ Nov 4 2015, 10:55 AM) Thanks for the tips, pretty Fruitie. Well, that's the guaranteed method to get Ikhwan. However, if you still intend to keep your Maybank2Cards, then can request to split limit like what I have done.So can i just convert my existing 2Cards Plat to Ikhwan Plat/Gold? I still want to retain my M2Cards, hence requested to split RM 2k limit. |
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Nov 4 2015, 12:33 PM
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#15
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
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Nov 4 2015, 12:42 PM
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#16
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
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Nov 4 2015, 04:45 PM
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#17
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
QUOTE(RevengefulHannah @ Nov 4 2015, 04:42 PM) I'm kinda interested in applying for this card. But I don't understand what Fixed Monthly Management Charge (FMMC) means... The Product Disclosure Sheet states that for Gold card, the FMMC is RM7,500 and RM15,000 for Platinum card. Would you care to explain? And I'd also like to know if there will be any charges if the card is not used. Thank you in advance! No need to bother about the amount if you pay full every month.No charges if you don't use it. |
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Nov 4 2015, 04:58 PM
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#18
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
QUOTE(RevengefulHannah @ Nov 4 2015, 04:55 PM) Thanks for your reply! I read the FAQs and I kinda get it now. It means that if the Actual Monthly Management Charges (AMMC) or Actual Cash Withdrawal Management Charges (ACWMC) exceeds the FMMC, Maybank will charge the AMMC/ACWMC up to the FMMC. That's what I understood though. Hmmm considering to get it for emergencies and of course, the petrol/grocery rebates. Three things about credit card:i) Always pay full for your statement balance before due date ii) Don't miss payment or minimum payment iii) Don't use it for cash advance If you follow the above three rules, banks cannot earn extra money from you. |
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Nov 5 2015, 04:11 PM
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#19
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
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Nov 5 2015, 04:50 PM
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#20
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Staff
72,808 posts Joined: Sep 2005 From: KUL |
QUOTE(shadow_walker @ Nov 5 2015, 04:48 PM) what do u mean by that? ur ikhwan card limit is rm2k? Yes, I split RM 2k from my M2Cards to my Ikhwan. Not sure what is the minimum limit but we have forummer got RM 1k CL. whats the minimum credit limit for split limit ya? rm6k limit split half rm3k m2card and another rm3k for ikhwan? or lower oso can? Lower also can, not necessary half. Mine was around 11%. |
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