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

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Wolgie
post Apr 19 2024, 02:14 PM

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QUOTE(ClarenceT @ Apr 18 2024, 08:24 PM)
Buy Foodpanda vouchers at Lazada App on special days, 20% off. smile.gif
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drool.gif but foodpanda only can use 1 coupon per time.
Mostly got Rm7 discount.
For Grabfood, can use multiply, Laza still got Grabfood voucher right? long time no buy brows.gif
mamamia
post Apr 22 2024, 05:27 PM

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QUOTE(Human Nature @ Apr 9 2024, 11:51 PM)
Ikhwan Amex

In march, I made a 3500 online transaction and the 100 CB has been credited on 7-April.
In April, that transaction was refunded. Then I made another 3300 online transaction.

So,

March CB +100 for 1st transaction
April CB -100 for the refund and +100 for the 2nd transaction = 0

Do I still have CB quota in April if I make other transactions?
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QUOTE(cybpsych @ Apr 10 2024, 04:41 PM)
no experience to answer  sweat.gif

but it could be zero quota left as you've earned +100 cb in April already. how can there be extra?
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My guess if u wan to get RM100 cashback for April txn, u will still need to spend... because in April 2024- ur online transaction is -3500+3300 = -200. To get RM100 cashback for Apr24, u need 1250, i.e. u need to spend another RM1450 to have nett transaction of RM1250 after minus the refund,.. but really dunno how maybank treat this since your initial spending is more than 1250... I wonder whether ur Mar24 txn CB will be claw back by RM16 due to the nett amount is still negative 200.. but, u can dispute if their system cant capture it...
rocketm
post Apr 28 2024, 10:58 AM

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Can I know does 6month EzyCash plan is it without interest charged at 8.88% per annum for the current promotion?

Means borrow RM3000 for 6month plan and will make monthly payment of RM500, without additional amount?
ClarenceT
post Apr 28 2024, 11:06 AM

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QUOTE(rocketm @ Apr 28 2024, 10:58 AM)
Can I know does 6month EzyCash plan is it without interest charged at 8.88% per annum for the current promotion?

Means borrow RM3000 for 6month plan and will make monthly payment of RM500, without additional amount?
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Interest is haram in Islamic Banking.
You should use "Management Fee" instead of interest.

This post has been edited by ClarenceT: Apr 28 2024, 11:10 AM
cybpsych
post Apr 28 2024, 11:11 AM

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QUOTE(rocketm @ Apr 28 2024, 10:58 AM)
Can I know does 6month EzyCash plan is it without interest charged at 8.88% per annum for the current promotion?

Means borrow RM3000 for 6month plan and will make monthly payment of RM500, without additional amount?
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don't read from Maybank page?

https://www.maybank2u.com.my/maybank2u/mala...ds/ezycash.page
rocketm
post Apr 28 2024, 11:19 AM

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QUOTE(cybpsych @ Apr 28 2024, 12:11 PM)
I have read but just to confirm whether my understanding is correct.

Will this EzyCash has record to my CCRIS and affect my housing loan interest rate when I want to apply for my new house in future?
victorian
post Apr 28 2024, 11:37 AM

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QUOTE(rocketm @ Apr 28 2024, 11:19 AM)
I have read but just to confirm whether my understanding is correct.

Will this EzyCash has record to my CCRIS and affect my housing loan interest rate when I want to apply for my new house in future?
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no additional charge if u take 6 months.

will have record in your CCRIS, 5% of the oustanding amount will be considered your monthly commitment.
ronnie
post Apr 29 2024, 03:36 PM

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This post has been edited by ronnie: Apr 30 2024, 01:22 PM
Ramjade
post May 2 2024, 10:41 AM

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QUOTE(TongCN @ May 2 2024, 09:54 AM)
does paying utilities such as using Maxis Pay Platform entitle the 1% cash back?
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Just use Maybank amex to pay maxis. Can get 8% cashback.
TongCN
post May 2 2024, 11:19 AM

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QUOTE(Ramjade @ May 2 2024, 10:41 AM)
Just use Maybank amex to pay maxis. Can get 8% cashback.
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Cancelled my Amex (2cards) long time ago sweat.gif
Ramjade
post May 2 2024, 11:21 AM

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QUOTE(TongCN @ May 2 2024, 11:19 AM)
Cancelled my Amex (2cards) long time ago  sweat.gif
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Can apply Maybank ikhwan amex. It's a good card for online transactions.
TongCN
post May 2 2024, 11:35 AM

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QUOTE(Ramjade @ May 2 2024, 11:21 AM)
Can apply Maybank ikhwan amex. It's a good card for online transactions.
*
The maxis payment platform you mentioned is using which one?

Cause under tnc , it mentioned utilised (4900) - Maxis is excluded:

https://www.maybank2u.com.my/iwov-resources...an-cashback.pdf

Seems like this card better than Maybank SHOPEE ?

This post has been edited by TongCN: May 2 2024, 11:41 AM
fruitie
post May 2 2024, 12:22 PM

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QUOTE(TongCN @ May 2 2024, 11:35 AM)
The maxis payment platform you mentioned is using which one?

Cause under tnc , it mentioned utilised (4900) - Maxis is excluded:

https://www.maybank2u.com.my/iwov-resources...an-cashback.pdf

Seems like this card better than Maybank SHOPEE ?
*
Maxis is not utilities. Pay Maxis using the app.
ClarenceT
post May 2 2024, 12:48 PM

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QUOTE(TongCN @ May 2 2024, 11:35 AM)
Seems like this card better than Maybank SHOPEE ?
*
8% CB on Lazada (including bill payment to Sarawak Energy, Unifi), Shopee, Airpay (including bill payment to Sarawak Energy, Unifi), Spaylater (Shopee orders, Scan & Pay at some Duitnow QR merchants including Everwin, Pay at ShopeePay merchants including Mr DIY, Ecoshop, Shell, Guardian, Everrise, KFC, Pizza Hut).

You can convert your Maybank CC (surrender: M2 Amex, Grab, Shopee) to Maybank Islamic CC (Ikhwan Visa 5% Petronas + Ikhwan Mastercard 5% Petrol/Groceries + Ikhwan Amex 8% online).

https://www.maybank2u.com.my/iwov-resources...ersion-form.pdf
https://www.maybank2u.com.my/iwov-resources...ersion-list.pdf

This post has been edited by ClarenceT: May 2 2024, 01:01 PM
TongCN
post May 2 2024, 01:06 PM

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QUOTE(fruitie @ May 2 2024, 12:22 PM)
Maxis is not utilities. Pay Maxis using the app.
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Hmm weird, when i use MBB Shopee to pay through maxis app, it doesnt reward me Shopee coin cause it's utilities.

QUOTE(ClarenceT @ May 2 2024, 12:48 PM)
8% CB on Lazada (including bill payment to Sarawak Energy, Unifi), Shopee, Airpay (including bill payment to Sarawak Energy, Unifi), Spaylater (Shopee orders, Scan & Pay at some Duitnow QR merchants including Everwin, Pay at ShopeePay merchants including Mr DIY, Ecoshop, Shell, Guardian, Everrise, KFC, Pizza Hut).

You can convert your Maybank CC (surrender: M2 Amex, Grab, Shopee) to Maybank Islamic CC (Ikhwan Visa 5% Petronas + Ikhwan Mastercard 5% Petrol/Groceries + Ikhwan Amex 8% online).

https://www.maybank2u.com.my/iwov-resources...ersion-form.pdf
https://www.maybank2u.com.my/iwov-resources...ersion-list.pdf
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Nice even SPaylater also can biggrin.gif

What about my existing balance transfer in shopee card? They will conversion as well ?
ClarenceT
post May 2 2024, 01:07 PM

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QUOTE(TongCN @ May 2 2024, 01:06 PM)

What about my existing balance transfer in shopee card? They will conversion as well ?
*
Should be.


TongCN
post May 2 2024, 01:11 PM

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QUOTE(ClarenceT @ May 2 2024, 01:07 PM)
Should be.
*
Any idea how long will it take for conversion ?

As my statement date falls on 6th of the month, not sure will affect or not

Addon:
Saw this note: "If you have EzyPay Instalment Plan with your existing Maybank Conventional Credit Card, you have agreed that your existing EzyPay Instalment Plan will be terminated
and no longer enjoy 0% interest instalment
and the remaining balance will be charged in FULL or will be transferred via Balance Transfer to your new Maybank Islamic
Ikhwan Credit Card-i"

Addon2:
"All facilities such as Balance Transfer Programme, EzyPay Instalment Plan, EzyCash and CashTreats(if any) in my existing Maybank Conventional Credit Card,
including supplementary will be pre-terminated in FULL and the outstanding terms and payment will be transferred to my Maybank Islamic Ikhwan Credit Card-i"

This post has been edited by TongCN: May 2 2024, 01:16 PM
ClarenceT
post May 2 2024, 01:20 PM

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QUOTE(TongCN @ May 2 2024, 01:11 PM)
Any idea how long will it take for conversion ?

As my statement date falls on 6th of the month, not sure will affect or not

*
I did the conversion 15 years ago, so it may be different now.

It should take a few days only. You can still use Maybank CC till you receive and activate the new Islamic CC. So pay your statement balance before you activate new Islamic CC.

This post has been edited by ClarenceT: May 2 2024, 01:21 PM
Dyson Jin
post May 6 2024, 07:14 PM

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Update,issue solved.

I called MBB and she told me my phone number wasn't registered on their system, therefore I couldn't use the Amex CC to pay online. So, she helped me register, and finally, I can use the card. Hooray!
So, if anyone is a new MBB CC customer, please take note ya.


Hi, I just got my Platinum Ikhwan Amex card and already used PayWave for the first payment.
Then, I used the Shopee app to pay a bill (Unifi), but it failed. I searched through the thread and found out that AirPay doesn't accept Amex. Okay, so
I used the Lazada app to pay a bill (Unifi payment), but it failed too.
Any idea why?Thanks for help in advance

This post has been edited by Dyson Jin: May 8 2024, 06:25 PM
ClarenceT
post May 7 2024, 05:22 AM

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QUOTE(Dyson Jin @ May 6 2024, 07:14 PM)
Hi, I just got my Platinum Ikhwan Amex card and already used PayWave for the first payment.
Then, I used the Shopee app to pay a bill (Unifi), but it failed. I searched through the thread and found out that AirPay doesn't accept Amex. Okay, so
I used the Lazada app to pay a bill (Unifi payment), but it failed too.
Any idea why?Thanks for help in advance
*
First time using Amex online? You gave the wrong CVV to Shopee and Lazada.

Read...
https://simplypayme.com/blog/finding-cvv-amex/

Airpay accepts Amex now.
But someone reported new AMEX user might not be able to add a Amex at Shopee App due to 4-digit CVV, not sure Shopee technical team already fixed the bug or not.

This post has been edited by ClarenceT: May 7 2024, 05:25 AM

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