Contest in 2015, only get in Aug 2017, don't think so...

Nope, didn't apply any personal loan...

no idea

call CS to find out lo. or dont bother and enjoy the new bags

Hi, just receive my ikhwan gold.

Initially when apply they sent to wrong address and they reported and sent in a new one. but inside the envelope is only the card when i collect it.

Is there anything that i did not get from the first letter? e.g: TnG zing card?

Zing card is a function of Ikhwan card if you want to activate it. It is not a physical card.

You'll only get the TnG Zing card if you opted for it when you applied the card. If not, you'll only get the credit card.

Did you apply for the Zing card in the application form? If no, then you won't receive any.

It's not

Talking about zing card. I have requested twice via CS but no zing card sent to me. Seems they do not prioritize this area.

-edit-
wrong thread

This post has been edited by SKY233: Aug 11 2017, 02:12 PM

Oh is it? I thought auto-reload to your existing TnG and charge to your credit card.

Hai.. How i want to optimise collection of treats points from my ikhwan card?

Bill around 1k per month..

Groceries arouns 200-700 per months..

Or i need to add amex islamic mbb to increase my treats points?

If really wanna add amex take mbb2gold don't take Islamic amex,Islamic only 2x treat point mbb2 amex get 5x treat point.

Owh... Look that not an option for me since that not syariah compliance..

My application for amex islamic already approved.. Less than 24h...adoi...can cancel ar?

It is like a TnG card features but name called Zing card, physical card will be provide and link to your MBB credit card.

Whenever the amount in Zing card that below RM50, it will then automatically reload by number of amount depend on which amount you choose for (RM100/RM200).

The reloaded amount will charge to your linked of MBB credit card, and additional charge for RM2 if recall correctly.

I have experienced it few years ago.

Oh I see, I'm not interested. Better reload in JG.

Yeah. Zing IS a TnG card provided my MBB that is linked to MBB cc. It's optional and will only be given upon request. It's useful for those who travel along major highway as it has auto-reload function whenever credit falls below RM50. The auto-reload function is only available at certain toll plazas along major highways and it doesn't auto-reload at any other TnG facility (for example LRT, MRT, Monorel etc). The card will auto-reload based on amount set as mentioned above (RM100 or RM200) and it will be charged to the cc it is linked to and additional RM2 will be charged for each successful reload. The auto-reload function is very convenient for thoe who uses smart tag as it will auto-reload when passing through the smart tag lane.

No offense but do you mind sharing which part of the card isn't shariah compliance?

As far as I know, aside from Islamic cc can't be used for non-halal transactions, both conventional and Islamic cc charges interest but for Islamic credit card, they call it "profit charge" instead of interest. They methodology is the same as in, if you don't pay your cc in full, interest or profit charges will be charged accordingly (interest charged depends on monthly repayment, IINM the range is from 13 ~ 18 %).

However, even if it's a conventional cc, but you pay your cc in full, you won't be charged any interest hence it's considered interest (riba) free. Isn't it better to pay outstanding amount in full to get away from interest in the first place regardless of card type rather than getting an Islamic card which has "profit charges"?

It's just my opinion. Sorry for being OT.

Regardless, still not worth as most of us fully utilize our groceries and petrol cash back cards.

No problem..that the purpose of forum...sharing our knowledge

first of all..i have little knowledge about banking and finance

As far as i know..

the system applied between islamic and conventional is totally different..including the interest, dividen, 'akad'
Yes..for now i will pay all with full amount.. but i dont know someday i will have financial problem that required me late payment for my credit card, and that time all the issue will come..

and islamic finance also concerned regarding money mixed with non compliance syariah money..thats the most important thing in islamic financing


That from my understanding...sorry if wrong info...

Yup, therefore, I cancelled it and manually reload at JG every month

Too bad that existing Maybank conventional CC holders are considered as not new-to-bank customers.

Do ikhwan card have paywave?

or paywave only inclusive for visa??