Outline ·
[ Standard ] ·
Linear+
Credit Cards Maybank Islamic MasterCard/PETRONAS Visa Ikhwan V3, Another Fantastic Cash Back Card
|
ClarenceT
|
 Sep 3 2018, 01:44 PM
|
|
QUOTE(David83 @ Sep 3 2018, 01:32 PM) If you can hit quota (high utilization), of course this card and/or MBB2 AMEX are good option. The problem that I'm facing is that I can't even RM 500 per for this card. I can't reload TnG at JG or some petrol stations as I'm not based in Klang Valley. RM1800 0% Balance Transfer, 12 instalments at RM150 per month, reducing balance kept at FD (>3%). The interest earned over 12 months is more than RM25 (service tax).  |
|
|
|
|
|
ClarenceT
|
Sep 3 2018, 02:20 PM
|
|
|
QUOTE(David83 @ Sep 3 2018, 02:10 PM) Not a BT Fan. I hate BT. I lazy to keep tracks of repayment. PBB also offers attractive BT if I really want BT. Just to show you a simple way to recover RM25. PBB offers 6 months BT only, not attractive. |
|
|
|
|
|
ClarenceT
|
Sep 4 2018, 10:52 AM
|
|
|
QUOTE(fruitie @ Sep 4 2018, 10:48 AM) Yeah, if I don't have JG, I will surely drop this card... Unfortunately I redeemed quite a lot before TP devaluation.  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.  OMG. BT RM2000 0% 12 months will earn more than RM25. |
|
|
|
|
|
ClarenceT
|
Sep 4 2018, 01:10 PM
|
|
|
QUOTE(JJKTP @ Sep 4 2018, 12:19 PM) Which card/bank we are talking about? Could you share more info. Thank you in advance. ? 1 1800.00 0.03 4.50 2 1650.00 0.03 4.13 3 1500.00 0.03 3.75 4 1350.00 0.03 3.38 5 1200.00 0.03 3.00 6 1050.00 0.03 2.63 7 900.00 0.03 2.25 8 750.00 0.03 1.88 9 600.00 0.03 1.50 10 450.00 0.03 1.13 11 300.00 0.03 0.75 12 150.00 0.03 0.38 29.25 |
|
|
|
|
|
ClarenceT
|
Sep 5 2018, 06:11 AM
|
|
|
QUOTE(JJKTP @ Sep 4 2018, 09:33 PM) What is that list of numbers all about? Btw, thanks for the link. Reducing balance, FD @ 3%, monthly interest earned (est.) |
|
|
|
|
|
ClarenceT
|
Sep 7 2018, 10:27 AM
|
|
|
QUOTE(JJKTP @ Sep 7 2018, 10:20 AM) Devaluation? Tell us more about it. Thanks. The value of 1 Treatpoint is 0.2% (ie 10000 TP worth RM20 more or less now) The value of 1 TP was cut from 0.6% -> 0.5% ->0.4% -> 0.25 -> 0.20 over the years. |
|
|
|
|
|
ClarenceT
|
Sep 7 2018, 10:30 AM
|
|
|
QUOTE(JJKTP @ Sep 7 2018, 10:28 AM) I see. When was the last devaluation exercise? 30/6/18 - 1/7/18 |
|
|
|
|
|
ClarenceT
|
Dec 18 2018, 05:51 PM
|
|
|
QUOTE(ultimate93 @ Dec 18 2018, 05:45 PM) Thanks dude... Repost my Question here Would like to know how the interest charge My card statement date was 12 DEC and due date will be 1 JAN My current outstanding is 10K and i am able to pay 8k only. And let say i will pay the remaining 2k by 20 JAN How the interest will charge me? My current interest should be 1.5% since i use this card 10 months+ only. Please advise.... Any new transactions between 12/12/18 to 12/1/19 and to 20/1/19. If yes, how much? |
|
|
|
|
|
ClarenceT
|
Dec 18 2018, 06:17 PM
|
|
|
QUOTE(ultimate93 @ Dec 18 2018, 05:58 PM) Basically this card is to used for auto debit of telco and insurance only, just somehting urgent previously i have to use it So from 12/12 to 12/1/19 estimate RM700 13/1 to 20/1 est RM200 petrol only 1.5% p.a. will be charged on the above transactions as well (no interest-free period) + interest on your outstanding amount. Settle the above new transactions on or before 20/1. If possible, avoid using your CC till your outstanding balance reach RM0. |
|
|
|
|
|
ClarenceT
|
Dec 25 2018, 09:19 AM
|
|
|
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.  Your outstanding balance when the latest statement was issued (14/12) is RM0.00, which you need to pay on or before 3/1. New transactions posted after the statement was issued (15/12-14/1) will be billed in next statement 14/1, you must settle the new statement balance on or before 3/2. |
|
|
|
|
|
ClarenceT
|
Jan 9 2019, 08:04 PM
|
|
|
QUOTE(anthabax @ Jan 9 2019, 07:41 PM) I got amex, ikhwan visa and ikhwan mastercard Just got my ikhwan mastercard today. So there shouldn't be any issue Then you should pump petrol this Friday using Ikhwan MasterCard (5% rebate), if Petrol price is up by more than 6 Sen/litre this weekend (likely for this week)!  |
|
|
|
|
|
ClarenceT
|
Jan 10 2019, 08:39 AM
|
|
|
QUOTE(widget @ Jan 10 2019, 08:30 AM) Good suggestion indeed! If price of petrol is going to increase, can pump petrol on Friday using Ikhwan MC. But if the price of petrol is going to decrease, wait until the weekend and pay using Ikhwan Visa Petronas to get 8% CB Only if increase by >3% (8% vs 5%), around 6 sen per litre. |
|
|
|
|
|
ClarenceT
|
Jan 18 2019, 05:02 PM
|
|
|
Use Ikhwan MasterCard to pump Petrol & Diesel today, better than use Ikhwan Visa this weekend!
|
|
|
|
|
|
ClarenceT
|
Jan 18 2019, 05:32 PM
|
|
|
1.92 * 0.95 vs 1.98 * 0.92 - RON95
2.05 * 0.95 vs 2.17 * 0.92 - Diesel
|
|
|
|
|
|
ClarenceT
|
Jan 30 2019, 08:01 AM
|
|
|
"To encourage motorists to try out the new Primax 95 with Pro-Drive, Petronas will be giving RM1 off any Kedai Mesra items for every RM30 purchase of the new fuel, from February 1 to February 3."
Look for RM1 snack/drink...
|
|
|
|
|
|
ClarenceT
|
Jan 30 2019, 10:52 AM
|
|
|
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! Another choice. Convert your Maybank Conventional M2 CC to Maybank Islamic Ikhwan CC, no need to apply for new CL. https://www.maybank2u.com.my/iwov-resources...wanCard-FAQ.pdfhttps://www.maybank2u.com.my/iwov-resources...listEnglish.pdfhttps://www.maybank2u.com.my/iwov-resources...rsion_new09.pdf |
|
|
|
|
|
ClarenceT
|
Feb 19 2019, 10:05 AM
|
|
|
QUOTE(chesternz @ Feb 19 2019, 08:41 AM) Normally after we have received approved sms notification, how long does it takes for Maybank to issue the card? 0-1 working day. |
|
|
|
|
|
ClarenceT
|
Apr 3 2019, 12:45 PM
|
|
|
QUOTE(myroy @ Apr 3 2019, 12:29 PM) have to pay eh? for cc? sorry this is my 1st time using CC Service Tax for new Credit Card (Activation). Card payment from your Maybank Savings/Current account at Maybank2U, or IBFT from Savings/Current Account with other bank. |
|
|
|
|
|
ClarenceT
|
Apr 3 2019, 03:16 PM
|
|
|
QUOTE(myroy @ Apr 3 2019, 03:00 PM) Next following year still have to pay? Next one will not be on 1/4/2020. It will be on the 15th of the anniversary month*, year 2020, 2021, .... * You card expiry 03/202x -> Anniversary month March -> 15/3 |
|
|
|
|
|
ClarenceT
|
Apr 8 2019, 05:32 PM
|
|
|
QUOTE(epsonstylux @ Apr 8 2019, 05:17 PM) Guys just got a call maybank offered me this card. I havent use any cc before as I rely on debit. They said i dont have to submit any documents. They will send over the card if I say yes. Is this legit? You took up a car loan from Maybank Islamic recently? |
|
|
|
|
Quote
0.1147sec
0.24
7 queries
GZIP Disabled