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Credit Cards Maybank Islamic MasterCard/PETRONAS Visa Ikhwan V3, Another Fantastic Cash Back Card

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fruitie
post Sep 4 2018, 10:33 AM

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Ikhwan MasterCard is really a card which I don't know if I should keep or not... I seldom use this card but if I go back hometown on weekends, I will help to swipe for my mum's groceries. Not often but sometimes.

Plus I can use to reload TnG at JG on Fridays since I work in The Gardens, it will be more convenient for me to reload on a working day as I seldom go out during weekends. My reload only happens probably every 2.5-3 months once or something. hmm.gif

Aargh. Dilemma. I surely get more than RM 25 cash back per year but my usage is low. Actually having it, is mainly for my TnG reloads as my next option is to reload in TnG Hub during weekends using AmEx but I have to purposely travel to KL Sentral for this. sweat.gif
fruitie
post Sep 4 2018, 10:48 AM

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QUOTE(David83 @ Sep 4 2018, 10:35 AM)
I face the same situation as you.
My Ikhwan card usage is only heavy if I go back to hometown during long holiday weekends.
At least you can still top up TnG at JG. I don't have much opportunity for this.
So, I decided to cancel the card!
*
Yeah, if I don't have JG, I will surely drop this card...

QUOTE(cybpsych @ Sep 4 2018, 10:40 AM)
if your earned TP from m2c amex is consistently good, perhaps can redeem for ikhwan mc's sst instead.

unless you have too many mbb cards, even accumulated TP also not enough to cover  laugh.gif
*
Unfortunately I redeemed quite a lot before TP devaluation. bangwall.gif
Now only left with 133k TP for 4 cards but luckily the other 3 cards will expire in April (if follows my the expiry on my card)? Or approval date? I remembered I got my FCB VS on the first day of launching which was 10th Oct. doh.gif OMG.
fruitie
post Sep 4 2018, 10:54 AM

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QUOTE(cybpsych @ Sep 4 2018, 10:52 AM)
not enough to redeem meh?

10k TP per card wor
*
Aargh, didn't realise only require 10k TP. Then, more than enough for me to keep all. tongue.gif
Dilemma solved. laugh.gif

QUOTE(ClarenceT @ Sep 4 2018, 10:52 AM)
BT RM2000 0% 12 months will earn more than RM25.
*
I have some BTs running now, planning to cut down my BT as it is an endless hole. laugh.gif
fruitie
post Sep 4 2018, 10:57 AM

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QUOTE(David83 @ Sep 4 2018, 10:55 AM)
That's why I don't like to BT especially several concurrently running BTs.
Sure lose track!
*
I'm not losing track but surely aches my heart a bit to pay off every month. laugh.gif
fruitie
post Sep 4 2018, 03:14 PM

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QUOTE(dannyw @ Sep 4 2018, 02:59 PM)
I'm having the same dilemma. But at the end still cancel. feel sayang...  bye.gif

Cos my usage very minimum, if my CB just about RM30 then not worth to keep.

Among MBB card, I choose to keep Amex 2card, and FCB. That also RM75 already...  doh.gif
*
I plan to offset with my TP since I rarely use my TP anyway.
fruitie
post Sep 4 2018, 05:31 PM

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QUOTE(facktura @ Sep 4 2018, 05:16 PM)
To top up TnG at JG is at the cashier simply? Wow this is good, no processing fee whatsoever like, right that one in Nu sentral?
*
There is processing fees of RM 0.50, probably RM 0.53 now with SST.
fruitie
post Sep 4 2018, 06:03 PM

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QUOTE(facktura @ Sep 4 2018, 05:58 PM)
So now i can save some quota from AMEX and use Ikhwan for TnG instead. All JG offer such service??
*
Refer to this thread: https://forum.lowyat.net/index.php?showtopic=3757650
fruitie
post Sep 5 2018, 06:06 PM

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QUOTE(nitehawk @ Sep 5 2018, 05:48 PM)
I have redeemed all TP to shopping vouchers before the devaluation.
*
Not sure whether fortunate or unfortunate for me, I didn't redeem all. sweat.gif
fruitie
post Sep 12 2018, 02:07 PM

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QUOTE(baocord @ Sep 12 2018, 01:58 PM)
I just received maybank Ikhwan Petronas card, may I know the cash rebate is based on statement or month end?
*
Calendar month.
fruitie
post Sep 17 2018, 03:05 PM

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QUOTE(yonghong @ Sep 17 2018, 02:51 PM)
O.No wonder. Mean my last month cash rebate will reflect in this month statement?
*
Last month's eligible spending if posted by 31.8, cash back will be posted in unbilled transactions by 2.9, check your M2U.
fruitie
post Sep 17 2018, 03:56 PM

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QUOTE(yonghong @ Sep 17 2018, 03:43 PM)
Sorry newbie here. I have only found 'get my statement ' in m2u. the unbilled transaction is under which section?
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Just check your card details' transaction in M2U, you will see one transaction that says "Cash Rebate". Posted on 31.8 and transaction date is 1.9. In actual fact, you can only see it posted on 2nd of the month by the way. smile.gif
fruitie
post Sep 17 2018, 04:28 PM

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QUOTE(yonghong @ Sep 17 2018, 04:26 PM)
Ya。got it. Thanks a lot. rclxms.gif  rclxms.gif
*
Sorry I terbalik just now, transaction date 31.8 and positing date is 1.9.
fruitie
post Sep 29 2018, 09:39 AM

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QUOTE(sendohz @ Sep 29 2018, 08:45 AM)
Retention team called and asked why cancel this AF free wonderful card.
But didn't offer anything to retain.

Still cancel due to other card better features.
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laugh.gif Coming from MBB, I won't be surprised they didn't offer anything. laugh.gif
fruitie
post Sep 29 2018, 01:40 PM

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QUOTE(koala225 @ Sep 29 2018, 09:49 AM)
They don't lack of customers bah. My citibank card get rm100 cash back after I decide to cancel it before anniversary month.
*
Knowing how MBB works, this is not a surprise to many of us. laugh.gif
I will not even waste my time to ask for it. laugh.gif
fruitie
post Oct 24 2018, 10:21 PM

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Just realised I already got charged with SST for my Ikhwan MC which I have expected anyway. It's not in the statement but in unbilled transactions.

Since I don't have plan yet for my TP, will use it to offset my SST. Will call CS tomorrow's morning. thumbup.gif
fruitie
post Oct 24 2018, 10:55 PM

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QUOTE(effectz @ Oct 24 2018, 10:30 PM)
Unbilled transaction mentioned where?
*
That means in the transactions list in M2U. My statement is due only today but it was already posted since 16th. hmm.gif
fruitie
post Oct 24 2018, 11:49 PM

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QUOTE(AskarPerang @ Oct 24 2018, 11:44 PM)
Do update again whether via call can be done, use TP to pay for SST.
Thank you.  notworthy.gif
*
Should be no issue, I have been offsetting SST with TP before GST days. I think I saw someone posted earlier that he has done it.
fruitie
post Oct 25 2018, 03:29 PM

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QUOTE(AskarPerang @ Oct 24 2018, 11:44 PM)
Do update again whether via call can be done, use TP to pay for SST.
Thank you.  notworthy.gif
*
Called CS this morning to redeem TP for SST payment. CS will read out my point balance and confirm I will utilise 10k TP to offset it. It will take 7 working days to reflect.
Easy process.
fruitie
post Oct 25 2018, 03:56 PM

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QUOTE(cybpsych @ Sep 1 2018, 06:10 AM)
Implementation of Sales Service Tax (SST)
01 SEPTEMBER 2018

Dear Valued Cardmembers,

Please be informed that an annual Service Tax of RM25 will be imposed on all Credit and Charge Cards effective 1 September 2018. This is in accordance with the Service Tax Act 2018.

Cardmembers may opt to pay the Service Tax using Maybank Points. Service Tax redemption can be made once it has been reflected in Cardmembers card statement.

Cardmembers may redeem through these channels:

- Complete the TreatsPoints redemption form / Membership Rewards redemption form and email it to maybankrewards@maybank.com.my
- Walk-in to any Maybank Card centres or branches.
- Call us at Maybank Group Customer Care as per telephone number at the back of your card.

Click here for more information.
Terms & Conditions:

- Service Tax RM25 redemption is equivalent to 10,000 TreatsPoints/Membership Rewards
- Service Tax redemption can only be made once it is reflected in the Cardmembers’ card statement.
- Cardmembers are allowed to redeem limited to the number of Principal and Supplementary Cards under his/her account.
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QUOTE(effectz @ Oct 25 2018, 03:51 PM)
Not 12500 points?
Because rm25 x 500 points...
*
Nope, 10k as confirmed by CS and also above notice.
fruitie
post Oct 26 2018, 12:53 AM

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QUOTE(JJKTP @ Oct 26 2018, 12:27 AM)
This "unbilled transaction" means it will be on the next month statement?
*
Can say so. Mine posted on 16th Oct but statement date is 24th so already in this latest statement.

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