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Credit Cards Maybank Visa Signature + Barcelona Visa Signature

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ClarenceT
post Apr 1 2018, 09:27 PM

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QUOTE(besiegetank @ Apr 1 2018, 08:31 PM)
Anyone else starting saving their bills for next month 10% cashback?  tongue.gif
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Max out but wasteful if spending on the areas that can be covered by high-rebate cards (eg M2 Amex).
ClarenceT
post Apr 2 2018, 10:36 AM

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QUOTE(fruitie @ Apr 2 2018, 10:26 AM)
Funny though when conventional card can be converted to Islamic card but not the other way round? unsure.gif
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http://www.maybank2u.com.my/WebBank/Conversion_new09.pdf

Not funny, the conversion form from conventional to islamic is available, but not from islamic to conventional.
You cannot "transfer" credit limit from Islamic to conventional to get Maybank conventional credit cards.
ClarenceT
post Apr 2 2018, 10:40 AM

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QUOTE(chiahau @ Apr 2 2018, 10:36 AM)
Duit halal can't be converted to duit tak halal laugh.gif

Seriously though, I would understand why. Islamic cards has certain restrictions and I don't think it would be unfair for them not to allow the conversion.

Irregardless, since most of us has both entity from MBB, can't say we are affected.

Even BT from Islamic to non islamic nowadays can't be done (Ikhwan to my Citibank) but BT from HLB to MBB islamic okay pulak.
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Also, Maybank conventional is regulated under Banking and Financial Institutions Act 1989, but Maybank Islamic is now under Islamic Financial Services Act 2013.
ClarenceT
post Apr 2 2018, 10:47 AM

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QUOTE(David83 @ Apr 2 2018, 10:39 AM)
They use the term "split" if you want to obtain/retain both. LOL
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Spilt CL from Conventional to Islamic is possible (to get Ikhwan cards).
Spilt from Halal CL to conventional CL (tidak ditanggung halal) should not happen. So you can cut Islamic CL but you need to apply for another CL.

ClarenceT
post Apr 2 2018, 11:02 AM

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QUOTE(David83 @ Apr 2 2018, 10:54 AM)
But this is not the bank officer told.
She said that I can split from Ikhwan to FCB. doh.gif
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Frankly speaking, how many bank officers are really sure on what they are saying/doing?
So you did the "Spilt" as what the officer told you but you still could not get the conventional card, right?
ClarenceT
post Apr 2 2018, 11:12 AM

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QUOTE(David83 @ Apr 2 2018, 11:03 AM)
Of course I did as she suggested.
And she's a Muslim.
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Haha did you sign a conversion form or something similar?
You should have noticed those conventional card users split their CL and very sure to get a Islamic card!
But not always successful to add conventional from islamic.

So you may terminate your Ikhwan card now. A few months later, apply for Maybank conventional card first, then add Islamic card.
ClarenceT
post Apr 2 2018, 02:59 PM

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QUOTE(rapple @ Apr 2 2018, 02:37 PM)
No refund.
[attachmentid=9705851]

Oops, after further calculation is should be RM50. I totally forgot my wife supp card transaction is not included in my M2U transaction.
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Jompay shall be excluded?
ClarenceT
post Apr 16 2018, 10:15 AM

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QUOTE(lipfung @ Apr 16 2018, 10:00 AM)
Visa Airport Speed Pass

Enjoy the convenience and efficiency of fast track immigration at over 280 international airports with Visa Airport Speed Pass
Visit www.airportspeedpass.com for more information on participating airports

ANyone knows what is this speedpass about? I've go through the link, but its not very clear on what does it provides, the product page returns a blank page.
Heard that is something like priority custom clearance?
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Yes. all the Visa Infinite, Signature, Platinum card members qualify to get this service.
Different airports different charges. You may book the service at https://speedpass.yqnowgroup.com/
ClarenceT
post Apr 18 2018, 10:00 AM

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QUOTE(sam240 @ Apr 18 2018, 09:18 AM)
Next month "May" can get 10% cash rebate for everything, right?  whistling.gif
Too bad car insurance not fall in May or Aug  sweat.gif
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You can renew your road tax 60 days in advance.
So if your insurance exp in June, July, September, October, you can renew insurance in May or August.
If your insurance is Etiqa or Etiqa Takaful, use M2 Amex to get weekend rebate. Then spend your FCB VS on the places not accepting Amex.
Top up Bigpay is another option but it is not risk-free.
ClarenceT
post Apr 18 2018, 10:22 AM

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QUOTE(sam240 @ Apr 18 2018, 10:08 AM)
This is good sharing, thanks for this info.

Is this cash advanced, right?
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Topup BigPay (Prepaid card) RM1000 - 10% rebate from Maybank - RM100.
Use BigPay (Prepaid card) to withdraw RM1000 at a local ATM, service charge - RM6.
You still "earn" RM94.

Warning: Don't abuse. Your BigPay card maybe locked or terminated.

I transfer my FCB VS unused rebate (2%) quota in March & April (maximise rebate) to BigPay card so I can use BigPay for retail transactions in May.

This post has been edited by ClarenceT: Apr 18 2018, 10:32 AM
ClarenceT
post Apr 20 2018, 09:57 AM

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QUOTE(fairylord @ Apr 20 2018, 09:36 AM)
Hi, what is the details about the transfer the unused rebate quota in March and April to May? Mind to share how this works, appreciate ^^
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March: Normal Spend RM2000 (rebate RM40), dump RM500 (+rebate RM10) to BigPay.
April: Normal spend RM1000 (rebate RM20), dump RM1500 (+rebate RM30) to BigPay.
May: Spending RM3000 - use FCB VS RM1000 (10% rebate max RM100) + BigPay RM2000.

So you get total rebate RM200 instead of RM160.

This post has been edited by ClarenceT: Apr 20 2018, 10:03 AM
ClarenceT
post Apr 20 2018, 10:00 AM

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QUOTE(Elvin7 @ Apr 20 2018, 09:54 AM)
Transaction date 30/3
Posting date 2/4

Statement date 6/4
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2% rebate - transaction date 30/4, posted on 1/5, but you will see it at M2U on 2/5.
April quota.
ClarenceT
post Apr 20 2018, 10:10 AM

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QUOTE(MGM @ Apr 20 2018, 10:07 AM)
But if u leave the money IDLING in BIGPAY u get nothing.
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2% return in 2-3 months is good, compare to savings/FD.
ClarenceT
post Apr 20 2018, 10:31 AM

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QUOTE(MGM @ Apr 20 2018, 10:23 AM)
That's if u use it in short time period or u have a known expenditure or a 0% BT to roll.
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+ Withdraw RM3000 cash at ATM.

But I have got something to spend in May-June!
ClarenceT
post Apr 20 2018, 10:37 AM

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QUOTE(MGM @ Apr 20 2018, 10:34 AM)
Wonder how is unker's case, still unresolved?
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I wonder if the Unker is Tony F, scare us not to perform ATM withdrawal as he will be losing money for this convenience.
ClarenceT
post Apr 20 2018, 11:58 AM

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QUOTE(MGM @ Apr 20 2018, 10:41 AM)
Is he d only one facing this predicament?
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Unker is not the only one, there were a few earlybirds having same situation.
But it is still quite irrational that BigPay allows (in Black and White, with no restrictions) top-up by using Credit Card and Cash withdrawal at ATM, but victimise the customers.

This post has been edited by ClarenceT: Apr 20 2018, 11:59 AM
ClarenceT
post Apr 29 2018, 08:16 PM

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QUOTE(hitch80 @ Apr 29 2018, 07:11 PM)
another 2 days before the first 10% cashback...cant wait
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30/4 transactions will be posted in May if not Maybank merchants.
ClarenceT
post Apr 29 2018, 09:20 PM

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QUOTE(wjleong15 @ Apr 29 2018, 09:09 PM)
Maybank should be based on transaction date not posting date bah
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posting date!
If posted on 30/4 -> April cash back (1/5)
If posted on 1/5 -> May cash back (1/6)
ClarenceT
post Apr 30 2018, 10:26 AM

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QUOTE(westlife @ Apr 30 2018, 09:47 AM)
so the 10% is applicable to all purchasers rite? be it online purchase or retail purchase?

and it is also applicable to petrol pump?
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To maximize the cashbacks, don't use Maybank FCB VS at the places that you already enjoy high rebate using other credit cards (eg Ikhwan Visa - Petronas, PB/UOB - Online/Dining, M2 Amex - Weekend etc)
ClarenceT
post Apr 30 2018, 11:32 AM

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QUOTE(sam240 @ Apr 30 2018, 11:08 AM)
haha...just checked this morning, not yet see.

errr, I think depends, maybe not everyone spend so much  sweat.gif ... maybe take 1st and win 1st  sweat.gif
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It is not a card for low-income group. I don't expect FCB VS cardholders spend very minimal every month.
They should spend on life/car/general insurance, tuition fee, government bills, car maintenance.
If really nothing much to spend, then pre-pay electricity, telekom or petrol on/by 27 May in order to get RM100 rebate on 1/6.
No need to rush to spend on the first few days of the month.
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