Hi, treats point expiry is still 3 years right? I am a little curious because my statement has a column for points expiring in November and the card has only been with me for 6 months.

This post has been edited by silverwave: Sep 16 2016, 01:14 AM


Attached thumbnail(s)

I've also noticed that many here keep M2 cards and Ikhwan card.

What are the benefits of using Ikhwan card besides the cash back? Do the points go to the same account as the M2 cards? AMEX 5x points are more worth it right? Unless AMEX can't be used, then it makes sense to use to Ikhwan card instead of the Visa and get the cash back.

im going to apply mb card tomorrow. hopefully will approve.

M2Cards - AmEx only gives cash back for dining and during weekends.
Ikhwan MasterCard gives cash back for petrol and groceries on Fridays and Saturdays.

How is 5xTP more worth than 5% cash back? 5xTP only equals to 1.25%. In addition, AmEx has revised its 5xTP entitlement, not every category gives 5xTP.

I have HLB MACH which gives dining cash back of 5% every day. I still have the AmEx though.

TP accounts are separated based on savings account and different cards. Meaning to say M2Cards and Ikhwan are calculated separately but all points (savings & cards) can be combined for redemption.

Nobody actually uses Ikhwan MasterCard for the sake of TP as it is just too pathetic to be mentioned...

btw maybank do have the instant cc approval right at klcc?

KLCC no longer gives if I'm not mistaken. Gardens and 1U still give, at least I know Gardens had it when I wanted to apply Ikhwan last year.

eh really ? lemme confirm it again.

Yes, been years already because they (KLCC) no longer issue cards on the spot.

This post has been edited by fruitie: Sep 16 2016, 01:59 AM

tried apply online, but came out error "for malaysian citizens only".
lol. Error I guess, cause clearly I'm malaysian and I have a car loan with them :|
Nevermind, I just walk in to their place tomorow

You can always call them first if you find troublesome to go there.
Tel: 03-2026 0239/0928

is it 24 hours though?

What do you think? Of course it is not. It is KLCC branch no.

Thanks for the detailed explanation fruitie!

I think i will have to cancel some cards before applying for Ikhwan. I have HLB Essential Visa and Citibank MC as well, though i don't really use it.

As for Ikhwan, are there any limitation to which petrol station and groceries or it applies to all?

Ikhwan MasterCard discussion: https://forum.lowyat.net/topic/3763581
It applies to all petrol stations and groceries provided they are using the MCC. Please continue in the thread I quoted above. Thanks.

called CS and was informed that my new pin card will be sent out in october but can still proceed with BT since it is using same cc number, once the new card arrive then only activate

Yes, CVV and expiry date will change but that won't affect BT.

yeah only thing that can't do is the online BT since it isn't activated, the system couldn't detect any cc
so have to send in manually through email

This post has been edited by DarReNz: Sep 18 2016, 10:29 PM

Post removed. Found the info I needed.

This post has been edited by menime123: Sep 18 2016, 05:10 PM

hi, last year i have do an balance transfer program to maybank. now the balance installment still got 4 month.

i planing to settle it now by pay an lam samp. any one know how to do it? or how to apply?

Many thanks~

hi, last year i have do an balance transfer program to maybank. now the balance installment still got 4 month.

i planing to settle it now by pay an lam samp. any one know how to do it? or how to apply?

Many thanks~