yes we all know that is the way. but how the bank treats the reversal scenario could be different from bank to bank

Hi all, may I know is it still worth upgrading my CC from Ikhwan Gold to Maybank FC Barcelona Visa Signature for petrol cashback? Current CC I only get cashback around RM10-RM13 per month as for utilizing mainly for petrol on Friday and Saturday. My current work now already need to commute many place so petrol need to be topup cannot wait till Friday. Let say I use Maybank FC Barcelona Visa Signature for petrol and swipe groceries on normal weekday at speedmart and have quick dinner at restaurant, is there any chance my cashback will be much better than Ikhwan Gold?

This post has been edited by zAlyN: Mar 2 2021, 03:32 PM

Depends on how much you are spending, only you can estimate.
Ikhwan CC is from Maybank Islamic Berhad.
FC Barcelona VS is from Malayan Banking Berhad (Conventional banking).
Legally they are from 2 different banks, so technically you can't "upgrade"! Need to apply for new CC from another bank.

I see. My usual expense around 1k only when using CC mainly on petrol and groceries thats why I thought maybe if use FC Barcelona no need wait till Friday anymore but not sure worth 1% or not. Okay noted thank you so much probably stick with Ikhwan for awhile.

Ikhwan is well suited for your expenditure.

For RM15 cashback on Ikhwan, meaning you spend about RM300 per month. If you change to FCB, you would only get RM3 monthly. Multiply this with 12 months, you get RM36 cashback per year. Minus RM25 SST, you are left with just RM11.

Depending on the petrol type that you use, there may be better valued ways to earn cashback if you cannot wait to pump on Fridays.

What other credit cards do you have?
You can try topping up Setel using other cc that gives cashback for ewallet.
Or if you have AMEX, you can buy Setel/PETRONAS gift cards at shopee on weekends

RM0 MBB: Win RM50 Cash Back with RM500 online spend with Maybank FCB Visa Signature Card. Reply WINFCB<space>NRIC to join! Info: www.maybank2u.com.my/c/fcb

I received the above message. But Im not a NTB customer. The link bring me to sign up for FCB

https://www.maybank2u.com.my/iwov-resources...ommerce_tnc.pdf

Hopefully a lot of people already cancelled the card.

This post has been edited by ClarenceT: Mar 3 2021, 10:39 AM

danggg was going to cancel next week already!

assuming can get RM50 per month (eligible only for 100 customers per month) for next 4 months = RM200 cashback

tough fight

This post has been edited by cybpsych: Mar 3 2021, 10:48 AM

Targeting both VS cardholders: Maybank Visa Signature + Maybank Barcelona Visa Signature

Huh? Until June only right? So rm50 x 4 = rm200. This month dare not to try already, only 100 customers.

oops, correct, Mar till Jun = 4 months .

March can still try, else it'd still tough fight on 1st of Apr, May, June for 100 customesr

No e-wallet ya. I give up this month.

Why no e-wallet?

Instalments paid under Maybank's Flexi Payment Plan, Easy Payment Plan transactions registered
and commenced before the Campaign Period, Credit Shield Plus, Dial For Cash, Balance Transfer,
Balance Transfer via Instalment Plan, eWallet and Cash Advance. Easy Payment Plan transaction
is not categorised as “Retail Spend” transaction.

how you interpret?

This sentence construct is so powerful to decipher without have to read several couple of times.

First I thought Instalments / Balance Transfer via ewallet, but how to Instalments / Balance Transfer via "Cash Advance"?
So ewallet is a stand-alone item.

I also interpreted roughly in the same fashion as you did.

A clear indication that the bank is taking note of the cancellation wave. Next time, continue to state ‘no benefit’ as reason for cancellation.

Enjoy the campaign guys!

for the purpose of this campaign, insurance payment counted? I didn't see it in the exclusion list...