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

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fruitie
post Nov 3 2015, 10:43 AM

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I haven't started using my Ikhwan card. laugh.gif Maybe this weekend can go and pump petrol. tongue.gif
fruitie
post Nov 3 2015, 10:53 AM

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QUOTE(fahrur_07 @ Nov 3 2015, 10:49 AM)
Only Friday and Saturday  icon_rolleyes.gif
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Saturday I mean. tongue.gif

QUOTE(rdevil33 @ Nov 3 2015, 10:50 AM)
Look like Ikhwan is your spare card in case your primary card (HLB Wise?) CB max out. hmm.gif
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Yes, my petrol card actually but my petrol usually not pumped by myself. blush.gif
fruitie
post Nov 3 2015, 11:36 AM

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QUOTE(wan7075 @ Nov 3 2015, 11:03 AM)
i haven't apply yet.. too many card on hand right now.
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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. laugh.gif

Just that the process of getting one is not as easy as other cards, I will cherish it. sweat.gif laugh.gif
fruitie
post Nov 3 2015, 02:19 PM

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QUOTE(sj0217 @ Nov 3 2015, 01:32 PM)
supersound fruitie
Above discussed previously thread, confirmed that I have get those spending on Oct and cash back on 1 Nov  rclxms.gif
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Yeah, I'm correct. biggrin.gif
Good for you. rclxms.gif

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 =(

Nu Sentral not too convenient for me unfortunately.
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Nope, no Maybank card gives cash rebate for UniFi.
If you want, UOB VOX can get. Verified by myself. brows.gif
fruitie
post Nov 3 2015, 03:16 PM

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QUOTE(saitong09 @ Nov 3 2015, 03:08 PM)
Before Aug 2015 MBB 2 card can get cash rebate for UniFi tongue.gif
But now you still get 5x which equivalent to 1.25% if you redeem voucher  thumbup.gif
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Yeah, it was. Now nothing lo. If the AmEx cash rebate is still there, I guess we don't need so many cards. laugh.gif
fruitie
post Nov 3 2015, 04:17 PM

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QUOTE(fin307 @ Nov 3 2015, 03:22 PM)
just want to know,
my friend is a fresh grad and just started working, can he apply a cc using graduan scheme offered by Maybank ?
tq!
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So long he fulfills the salary requirement, one can have a credit card unless banks reject due to some other reasons.
I still think fresh grads should hold on until receive 3 months payslips to further convince banks. smile.gif
fruitie
post Nov 3 2015, 04:52 PM

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QUOTE(szaku89 @ Nov 3 2015, 04:48 PM)
Some people get this card for self satisfaction and as a backup, as it is difficult to get it approved.
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Mine is for backup purpose. biggrin.gif
fruitie
post Nov 3 2015, 05:53 PM

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QUOTE(fin307 @ Nov 3 2015, 05:01 PM)
sorry working just now,
hurm. I told him the same thing,
but which have better chance of getting a card tho?
maybank 2 golds or ikhwan gold?
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It depends on his usage. First card, I think both should be easily approved. If for petrol and groceries, can try Ikhwan.

This post has been edited by fruitie: Nov 3 2015, 05:54 PM
fruitie
post Nov 3 2015, 11:39 PM

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QUOTE(fin307 @ Nov 3 2015, 07:26 PM)
thanks fruitie! been a great help. will definitely advice him on this.

Im thinking he will spend more towards groceries and petrol
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Just take note to spend on Fridays and Saturdays if use Ikhwan card because only these two days will have cash rebate. biggrin.gif
fruitie
post Nov 4 2015, 09:25 AM

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QUOTE(sendohz @ Nov 4 2015, 08:12 AM)
I have a similar situation.
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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I think Maybank is fine and M2U won't allow overpayment unless you have unbilled transaction. smile.gif
fruitie
post Nov 4 2015, 09:31 AM

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QUOTE(p9p9 @ Nov 4 2015, 09:29 AM)
not 7 days a week?
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.
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Cash rebate will be given if the transaction date falls on Fridays and Saturdays.
It's on their website and stated on first post of this thread. blink.gif

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...
hate this feeling.  vmad.gif  vmad.gif  vmad.gif
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Yes, M2U won't allow, you can only use CDM to overpay.
fruitie
post Nov 4 2015, 09:38 AM

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QUOTE(p9p9 @ Nov 4 2015, 09:36 AM)
oww man..
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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Ikhwan AmEx has no cash back. So, just apply Ikhwan MasterCard and if you want TP, can apply Maybankard2Cards.
fruitie
post Nov 4 2015, 10:37 AM

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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.
Did this happen to anyone here?
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Not a surprise, many have encountered before. I was also rejected twice. smile.gif Well, eventually approved after agreed to split limit from my MBB2Cards Plat. You can try this method.
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.
*
fruitie
post Nov 4 2015, 11:12 AM

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QUOTE(laith @ Nov 4 2015, 10:55 AM)
Thanks for the tips, pretty Fruitie.
So can i just convert my existing 2Cards Plat to Ikhwan Plat/Gold?
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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.

I still want to retain my M2Cards, hence requested to split RM 2k limit. laugh.gif
fruitie
post Nov 4 2015, 12:33 PM

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QUOTE(jenli_84 @ Nov 4 2015, 11:42 AM)
I also still have maybank 2 card and got my ihkwan mastercard one month ago...spilt limit for islamic n conventional card as suggested by the officer when i apply the card.
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Some officers will not agree and so far email method seems to work. biggrin.gif
fruitie
post Nov 4 2015, 12:42 PM

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QUOTE(cacheblue @ Nov 4 2015, 12:38 PM)
Thanks.
Then how can I get my card?
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Did you request for delivery? I requested for card collection from my nearest branch.
You can call CS to check out the status.
fruitie
post Nov 4 2015, 04:45 PM

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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!  smile.gif
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No need to bother about the amount if you pay full every month.
No charges if you don't use it.
fruitie
post Nov 4 2015, 04:58 PM

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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.  smile.gif
*
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. biggrin.gif
fruitie
post Nov 5 2015, 04:11 PM

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QUOTE(wjleong15 @ Nov 5 2015, 03:10 PM)
congratulation.
i just submitted upgrade request today and hope it can get approve as well
cool2.gif
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Upgrade for?
fruitie
post Nov 5 2015, 04:50 PM

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QUOTE(shadow_walker @ Nov 5 2015, 04:48 PM)
what do u mean by that? ur ikhwan card limit is rm2k?

whats the minimum credit limit for split limit ya? rm6k limit split half rm3k m2card and another rm3k for ikhwan? or lower oso can?
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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. laugh.gif

Lower also can, not necessary half. Mine was around 11%. laugh.gif

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