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

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cybpsych
post Dec 20 2018, 07:25 AM

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QUOTE(fahrur_07 @ Dec 20 2018, 07:21 AM)
Where do u buy tesco voucher?

Can use credit card?
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get from customer service counter. last i tried, can use cc.
cybpsych
post Dec 20 2018, 04:34 PM

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QUOTE(ephunk @ Dec 20 2018, 04:31 PM)
My cards got charge RM25 for Tax Service - Principal. I thought this card no annual fees. Correct me if im wrong.
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service tax is not annual fee.
cybpsych
post Dec 20 2018, 05:23 PM

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QUOTE(ephunk @ Dec 20 2018, 05:09 PM)
Can pay with 10,000 TP.
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all mbb cards that earn TP can redeem, except cards that doesnt earn TP at all (e.g. FCB VS).

if u have TPs from other mbb cards, then use it to redeem for Ikhwan's.
cybpsych
post Dec 25 2018, 10:38 AM

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QUOTE(zewl88 @ Dec 25 2018, 08:53 AM)
Hi. Just want to ask what is the different between statement balance and outstanding balance? Based on picture attached, do i need to pay all outstanding balance by 3jan19 or can wait for next statement date and due 3feb19?
Just want to know how it works. New CC user.

user posted image
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simple, look at 2 numbers:

user posted image



generally, statement cycle is like this:

user posted image
cybpsych
post Jan 22 2019, 05:31 PM

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QUOTE(Vint @ Jan 22 2019, 05:30 PM)
hi, i want to ask, does the rm200 spent for lucky draw, not necessary to be spent on groceries/petrol ? means any other transaction is also eligible ?
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what lucky draw?

can share the link or details?
cybpsych
post Jan 24 2019, 11:04 AM

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QUOTE(LostAndFound @ Nov 23 2018, 02:34 PM)
Okay, will test. The 'Setel' app (petronas e-wallet) reload is this MCC.
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just curious: have u tested this to either of the ikhwan visa petronas or ikhwan mastercard?
cybpsych
post Jan 24 2019, 03:54 PM

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QUOTE(LostAndFound @ Jan 24 2019, 12:39 PM)
I did, with the Ikhwan Mastercard. Did not receive.
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thanks for the info. guess general petrol cb cards doesnt cover the odd mcc 5172 used by setel.

even setel's own faq explained for the ikhwan visa petronas laugh.gif

user posted image

This post has been edited by cybpsych: Feb 22 2019, 07:37 AM
cybpsych
post Jan 25 2019, 02:36 PM

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QUOTE(DonJ @ Jan 25 2019, 02:26 PM)
Hi all,

I've been using MBB MC Ikhwan for about 5 months now. However, I am yet to receive my Zing card. Do u guys know how long MBB gonna take before they shipped out the Zing card?

Thanks!
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did u tick for it durring card application? it doesnt come automatically. you need to explicitly tick the box to get it.

try call CS to find out the status.
cybpsych
post Jan 28 2019, 02:40 PM

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QUOTE(AOL24 @ Jan 28 2019, 02:38 PM)
Damn, my Ikhwan Card Gold application was unsuccessful. Previously signed up for the Maybank 2 Gold cards and there were no issues, approved on the spot at the Gardens Card Center. My annual salary is above the RM 36K, so I'm not sure why there are issues.

The only monthly financial commitment I have is ASB-Financing, which is RM 800 monthly.

Please advise.
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try tips at post #2?
cybpsych
post Jan 30 2019, 10:47 AM

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QUOTE(AOL24 @ Jan 30 2019, 10:42 AM)
For my monthly salary, my CL is quite high. So maybe they think that I have enough CL, extending another card to me, may not be possible.

Other than the tips, do you have any advice? I applied at the Card Center in the Gardens. Did my Maybank 2 Gold there too, no issues during that application. Approved in 2 hours. That is my first and only CC, at the moment. Is it because I applied and received it in December, hence a cooling off period applies?

Thanks in advance!
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instead of assuming things, why not take action and request mbb to split CL for your ikhwan card application?
cybpsych
post Jan 30 2019, 11:22 AM

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QUOTE(AOL24 @ Jan 30 2019, 11:16 AM)
Trying to figure out the issue first and seek input from others before having to do that. Having a CL of RM 10K allows me to make large transactions and that comes in handy when on business trips. So I will be able to get TreatPoints for those amounts. If I split it between two cards (e.g. 2 Gold cards + Ikhwan Mastercard) then if a specific transaction is above my CL, there will be issues.

Unless they can temporarily increase my CL for specific purchases (that too subject upon approval)
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since CL is your only concern for m2c, then why not get other banks/cards instead?

it's not impossible (just harder) to get ikhwan after m2c, but most of users would face issue during application thus resorting to splitting CL instead (like 8k m2c + 2k ikhwan).
cybpsych
post Jan 30 2019, 11:45 AM

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QUOTE(AOL24 @ Jan 30 2019, 11:41 AM)
I mean, based on the tips I put two and two together (like you said, an assumption hahahahah).

Could be an entire different reason, just I am not aware of it. One way is to head to BNM and apply for my CCRIS report. At least that will give me an overview of why they might red flag me, even if no score is provided

But yes, I am currently waiting for the PB Quantum application results.

I will try splitting as a last case scenario.

Thanks @cybpsych
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ccris is not the one and only scoring banks are using.

each bank has different assessment/algorithm to come out with the credit scoring and risk assessment scoring. how many or what are the threshold, i guess it's confidential. this is one of the reason why banks doesnt disclose the rejection reasons.

what works for a bank or product may not equally applicable to other banks. each has their own way assessing their customers.

QUOTE(AOL24 @ Jan 30 2019, 11:43 AM)
Thanks! Just wondering, how will they split the limit to Ikhwan if my application was rejected? Will they pull up the application, split the CL and then approve my application?

Sorry for being tedious with questions. I'll just e-mail them and ask too.
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you APPEAL the application, and state that you wanted to split/carve out some CL from m2card -> ikhwan.

This post has been edited by cybpsych: Jan 30 2019, 11:46 AM
cybpsych
post Feb 7 2019, 04:25 PM

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QUOTE(vin_ann @ Oct 10 2018, 03:23 PM)
Yesterday collected my FCB card at 1U card centre and redeem some vouchers

Here's the table for reference

user posted image
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QUOTE(Ancient-XinG- @ Feb 7 2019, 04:18 PM)
Talking about TP, what's the best to change? I heard it's vouchers. If yes, is the garden card center able to do so?
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best is subjective smile.gif

of course can. i just did last weekend at the gardens. gotten aeon big gift cards on the spot.

This post has been edited by cybpsych: Feb 7 2019, 04:25 PM
cybpsych
post Feb 13 2019, 05:21 PM

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QUOTE(Ancient-XinG- @ Feb 13 2019, 04:45 PM)
In term of buck to buck.

I suppose the 100 AEON vouchers better overall
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your one buck has different value to my one buck biggrin.gif

depends on what you want.

redemption rate is 500TP = RM1 anyway.


cybpsych
post Feb 15 2019, 12:06 PM

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QUOTE(ahchat @ Feb 15 2019, 11:55 AM)
hey guys, anyone here ever purchase any item from EZYPAY participating merchants? how does it work?

I know EZYPAY and EZYPAY PLUS are two different thing and I wanted to know, how do you apply the EZYPAY method?
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you dont apply it.

merchant will do it for you.
cybpsych
post Feb 15 2019, 12:19 PM

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QUOTE(ahchat @ Feb 15 2019, 12:10 PM)
meaning, we need to ask the merchant if they provide the MAYBANK EZYPAY service before paying right?

coz I don't want later when asked, "tak apa, you pay first then call CS"  sad.gif
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u ask the merchant whether they do installment, if yes, ask from which bank(s) available.

then from the bank, which plans (tenure) available, and also what are the possible fees (surcharge, etc)


for maybank, after installment, the card will be charged and the terminal slip will show the installments count, and monthly installment amount.

This post has been edited by cybpsych: Feb 15 2019, 12:20 PM
cybpsych
post Feb 19 2019, 10:24 AM

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QUOTE(cybpsych @ Jan 24 2019, 03:54 PM)
thanks for the info. guess general petrol cb cards doesnt cover the odd mcc 5172 used by setel.

even setel's own faq explained for the ikhwan visa petronas  laugh.gif

user posted image
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QUOTE(jamilha @ Feb 19 2019, 10:21 AM)
Hi All,

Nak tanya.. if I link Maybank Islamic PETRONAS Ikhwan Visa Gold Card-i to Setel.my app (e-wallet by Petronas) will I entitle to 8% CB eh? because now Setel.my have 10% fuel rebate campaign smile.gif

ref: https://www.setel.my/campaign
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wrong thread.

redirected to proper thread for Ikhwan discussion.

This post has been edited by cybpsych: Feb 22 2019, 07:37 AM
cybpsych
post Feb 27 2019, 11:43 AM

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user posted image

FYI, this card to be discontinued effective 31 March 2019

https://www.maybank2u.com.my/maybank2u/mala...old_card_i.page?


cybpsych
post Mar 2 2019, 10:39 PM

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QUOTE(cashonhand @ Mar 2 2019, 10:18 PM)
anyone getting RM100 cb from Islamic Master card? Found Feb statement I got 2 RM100 CB...
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what's the description shown?
cybpsych
post Mar 3 2019, 12:28 AM

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QUOTE(cybpsych @ Jun 12 2018, 08:36 PM)
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Maybank Triple 100 Campaign [ MBB | T&Cs ]
Campaign Date: 9 June - 16 September 2018

Spend with Maybank Card on everything day and stand a chance to win RM100 Daily for 100 Days.

Register via SMS. Type CASHBACK (space) 12-digit NRIC Number and send to 66628

Qualifying Entries

1x Entry
Every RM100 single transaction on retail per day

5 Entries
Every RM100 overseas/ e-commerce/ EzyPay spend per day
Minimum of RM1,000 Balance Transfer/ Cash Treat and EzyCash Scheme Approved per day

10 Entries
New - to - Bank Principle Credit/ Charge Card approved with minimum RM100 spend within 60 days

user posted image
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QUOTE(cashonhand @ Mar 2 2019, 10:18 PM)
anyone getting RM100 cb from Islamic Master card? Found Feb statement I got 2 RM100 CB...
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QUOTE(cashonhand @ Mar 2 2019, 10:57 PM)
0 Day Cash Back Campaign
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above campaign

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