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

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MGM
post Mar 3 2024, 10:29 AM

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QUOTE(MasterConfucion @ Mar 3 2024, 10:23 AM)
I looking to apply ikhwan visa vs ikhwan petronas. Petronas give 8℅ cb while the normal only 5℅

It's no brainer to go for the petronas one right? Or is there other catch I didn't realize?
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U mean ikhwan mastercard 5% VS Petronas ikhwan Visa 8%? MC one at all petrol stations with mcc 5541,5542.
MGM
post Mar 3 2024, 11:33 AM

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QUOTE(MasterConfucion @ Mar 3 2024, 11:16 AM)
Yup I mean the MasterCard 5℅ vs visa 8℅. What does mc one... means in normal language? I just look at 8℅ vs 5℅ and hope I'm not missing something to good to be true
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U mean ikhwan mastercard 5% VS Petronas ikhwan Visa 8%? The Mastercard one can be used at all petrol stations.
MGM
post Mar 3 2024, 11:38 AM

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QUOTE(ClarenceT @ Mar 3 2024, 11:07 AM)
Why not Ikhwan AMEX, 8% online CB? >8% savings for Petrol.

Buy Petron (for stations in West Malaysia only) RM50 at RM45, Shell RM50 at RM49, Petronas RM50 at RM50. Use Ikhwan Amex to pay Lazada and get 8% CB. (Lazada 3/3 only)

Use the fuel vouchers from Monday to Sunday, not limited to Friday to Sunday. smile.gif
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Petron one is really good but sold-out. doh.gif
MGM
post Mar 4 2024, 02:01 PM

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QUOTE(ClarenceT @ Mar 1 2024, 10:29 AM)
JPJ: Government related transaction.
Etiqa / Etiqa Takaful: someone didn't get online CB recently, don't know why, because someone got CB in early 2023.  (keyword: Etiqa)
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I am paying my car insurance +roadtax via Allianz General(AG) which accepts TNG ewallet offline by scanning AG DN QR code, can I use Shopee Paylater for this n then payback by Amex-ikhwan to get cb n how?

This post has been edited by MGM: Mar 4 2024, 02:03 PM
MGM
post Mar 8 2024, 12:41 PM

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QUOTE(MGM @ Mar 4 2024, 02:01 PM)
I am paying my car insurance +roadtax via Allianz General(AG) which accepts TNG ewallet offline by scanning AG DN QR code, can I use Shopee Paylater for this n then payback by Amex-ikhwan to get cb n how?
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QUOTE(ClarenceT @ Mar 4 2024, 02:22 PM)
The answer is at the merchant QR. You need to try.

Some merchants are willing to pay extra charge then you may use credit card / Buy-now-pay-later as source of fund instead of using e-wallet credit / CASA.
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Just found this at the SPaylater page, so can use this Allianz 0%installment plan n get cb from Amex-Ikhwan? Truely 0%?
BTW I should select payment by Spaylater PayNextMonth-0%(can settle b4 1st-of-next month?) and not direct pay-by-cc to get the cb?
BTW do I add the cc in BankAccount/Cards under Credit/Debitcard or Creditcard Installment?
Sorry for being noob, 1st time using Spaylater.

user posted image

This post has been edited by MGM: Mar 8 2024, 02:47 PM
MGM
post Mar 8 2024, 03:20 PM

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QUOTE(rko0504 @ Mar 8 2024, 03:07 PM)
Yes 0%. I purchase from shopee too for my car insurance. Select Spaylater for payment method then pay on next month before 10th. Then choose which card to pay for Spaylater.

If I select  Spaylater PayNextMonth-0%-1month ,can settle full amount this month?

ps: U need to check which period got 0% installment, IIRC, not every period(1 month, 3months, 6month or 12months) got 0%.
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BTW do I add the Amex-ikhwan in <BankAccount/Cards> under <Credit/Debitcard> or <Creditcard Installment>?

This post has been edited by MGM: Mar 8 2024, 03:35 PM
MGM
post Mar 8 2024, 06:05 PM

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QUOTE(ClarenceT @ Mar 8 2024, 05:09 PM)
For some cases, motortakaful.com may be cheaper and may get cashback from Etiqa Takaful (profit sharing, to be credited a few months after the takaful expires).
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Actually i am using etiqa for another less used car cos got 2 rebates including less use more rebate.
I am continuing with Allianz for another car which is now in workshop claiming 3rd party insurance n i wont get the car b4 insurance expiry. Just want to play safe.

This post has been edited by MGM: Mar 8 2024, 06:06 PM
MGM
post Mar 14 2024, 12:08 AM

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QUOTE(rko0504 @ Mar 8 2024, 03:07 PM)
Yes 0%. I purchase from shopee too for my car insurance. Select Spaylater for payment method then pay on next month before 10th. Then choose which card to pay for Spaylater.

ps: U need to check which period got 0% installment, IIRC, not every period(1 month, 3months, 6month or 12months) got 0%.
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Actually I can choose to pay the Allianz Car insurance at Shopee directly by ikhwan-amex instead of spaylater to get the 8% cb since i dont need to pay on weekend like m2amex. Right?
MGM
post Mar 14 2024, 11:53 AM

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QUOTE(ClarenceT @ Mar 12 2024, 08:34 AM)

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Have u tried LazPayLater?
MGM
post Mar 14 2024, 12:32 PM

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QUOTE(MGM @ Mar 14 2024, 12:08 AM)
Actually I can choose to pay the Allianz Car insurance at Shopee directly by ikhwan-amex instead of  spaylater to get the 8% cb since i dont need to pay on weekend like m2amex. Right?
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ClarenceT bro, what is your view on above?
MGM
post Mar 15 2024, 01:05 PM

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QUOTE(rko0504 @ Mar 15 2024, 12:47 PM)
Not quite sure if direct pay on insurance using what description. But to be safe, use spaylater for 0% and pay off every month using ikhwan amex. Make sure payment for spaylter every month not more that RM625.
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Thanks. I have already done the purchase using Spaylater 0%-1month to take advantage of rm100 cb for March. Actually there is another option of 0%-3month but I dare not choose it in case got other fee.
Transaction stated in Spaylater with due date 1-April, means I can pay earlier in March but latest is 1-April?
MGM
post Mar 19 2024, 11:58 AM

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QUOTE(ClarenceT @ Mar 15 2024, 01:26 PM)
Your bill date should be 21/3.
The bill will include all the transactions on or before 20/3, after 21/3 you can pay the statement balance (no partial) only.

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Just saw this, so i can start paying using amex-i but latest 1April?

user posted image
MGM
post Mar 25 2024, 09:13 AM

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QUOTE(ClarenceT @ Mar 25 2024, 09:06 AM)
You can have both Mastercard-I (5% Groceries and Petrol, Friday-Saturday only) and Amex-I (8% online). Shared credit limit.
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Good advice get both since Annual fee is Free for life, just pay rm25 sst. thumbsup.gif
MGM
post Mar 26 2024, 03:13 PM

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Will this be getting 8% cb, paid to shopee merchant using cc directly not spaylater.

user posted image
MGM
post Mar 27 2024, 05:43 PM

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Where is the best place to buy unifimobile reload pin in order to enjoy the 8% cb for Amex-ikhwan?
MGM
post Mar 31 2024, 08:10 PM

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Just want to confirm regarding Spaylater:
If due date is 1-Apr-2024, then last day to pay is 1-Apr-2024, like credit card, without incurring late charges?
Cos want to use MBB Ikhwan-Amex for April's cb.
But even if I pay today 31-Mar but posted 1-Apr-2024 will still be considered for April'c cb right?
MGM
post Apr 2 2024, 09:46 AM

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QUOTE(Human Nature @ Apr 2 2024, 09:35 AM)
Has the insurance with shopee payment been posted and what is the description? Thanks
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SPAYLATER REPAYMENT-EC SPKUALA LUMPUR MY
MGM
post Apr 5 2024, 08:27 PM

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QUOTE(sweetpea123 @ Apr 5 2024, 05:05 PM)
I cant find AMEX option on the Etiqa website, only Visa/Master, anyone having the same problem? Or they don't accept AMEX anymore starting April ?
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QUOTE(fruitie @ Apr 5 2024, 08:15 PM)
Gonna find alternative now for my car insurance, it will due soon. Usually I will just Etiqa for AmEx cash back.
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What about contacting CS via phone?

MGM
post Apr 18 2024, 03:46 PM

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QUOTE(cybpsych @ Apr 18 2024, 02:11 PM)
if primarily use at online Amex merchants, particularly Shopee/Shopeepaylater and Lazada ... then quite good
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And foodpanda.
MGM
post Jun 5 2024, 04:13 PM

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QUOTE(haru20 @ Jun 5 2024, 03:46 PM)
Just cancelled my MBB Petronas Ikhwan, since the charges of SST and low usage of the card to reap the full CB, have been buying online petrol voucher in past month for fuel consumption.
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buying online petrol voucher got cb for Mbb Petronas ikhwan?

I tot only this:
8% Cash Back for spending at PETRONAS stations on Saturday & Sunday and 1% Cash Back for spending at PETRONAS stations from Monday till Friday (capped at RM50 per month)

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