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Credit Cards Maybank Islamic MasterCard/PETRONAS Visa Ikhwan V3, Another Fantastic Cash Back Card
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cybpsych
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Jan 11 2017, 11:33 AM
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QUOTE(raclette @ Jan 11 2017, 11:02 AM) Unless my spreadsheet screwed up, the cash rebates are based on posted dates.. Value estimated based on posted date is closer than value estimated by transaction date. Around 10ringgit differences. Petronas card. Transaction Date determines cashback eligibility, i.e. whether you swiped on Sat/Sun or weekday. This is the key indicator. Posting Date determines which monthly cashback quota to be utilized. This post has been edited by cybpsych: Jan 11 2017, 11:36 AM
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raclette
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Jan 11 2017, 12:25 PM
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QUOTE(fruitie @ Jan 11 2017, 11:08 AM) Cash back is always based on transaction date. Do note posting date is only important if the transactions were done at the last few days of the month, if it is posted in following month, it will use up following month's quota. For e.g. You swiped on 31st Dec 2016 and it is only posted on 1st Jan 2017, you will still get cash back but will not be calculated as part of Dec cash back. It will be included in January. If you want to spend exactly and maximize cash back, then don't swipe at the last few days of the month. Looks like that's the reason why cb received not tally with my spreadsheet. Thanks. I've 6ringgit worth of cb that's been posted after new year.
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raclette
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Jan 11 2017, 12:30 PM
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QUOTE(cybpsych @ Jan 11 2017, 11:33 AM) Transaction Date determines cashback eligibility, i.e. whether you swiped on Sat/Sun or weekday. This is the key indicator. Posting Date determines which monthly cashback quota to be utilized. TIL  I plan my petrol refill only on weekends. Now Need to consider (avoid) end of month as well.
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cybpsych
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Jan 11 2017, 12:44 PM
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QUOTE(raclette @ Jan 11 2017, 12:30 PM) TIL  I plan my petrol refill only on weekends. Now Need to consider (avoid) end of month as well. should be not much problem, unless you purposely maximize cb for each month. last month I also pumped on 1 Jan, knowingly it will consume January cb quota. I know I cannot fully maximize the cb anyway. in your excel sheet, track by posting date. use another column to count the cb $ if transaction date falls on Sat/Sun. This post has been edited by cybpsych: Jan 11 2017, 12:51 PM
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raclette
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Jan 11 2017, 12:54 PM
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QUOTE(cybpsych @ Jan 11 2017, 12:44 PM) should be not much problem, unless you purposely maximize cb for each month. last month I also pumped on 1 Jan, knowingly it will consume January cb quota. I know I cannot fully maximize the cb anyway. Few months ago with ikhwan mastercard, I always maximized cb since they're for groceries (+kids milk, diapers) n petrol. With separate card, it is out of question to max both cb. Mayb for petrol @8% only. Or I'd hv problems to pay back which defeat the purpose lols .
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cybpsych
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Jan 11 2017, 01:02 PM
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QUOTE(raclette @ Jan 11 2017, 12:54 PM) Few months ago with ikhwan mastercard, I always maximized cb since they're for groceries (+kids milk, diapers) n petrol. With separate card, it is out of question to max both cb. Mayb for petrol @8% only. Or I'd hv problems to pay back which defeat the purpose lols . exactly, the 8% ikhwan petronas only for petronas spending. unlikely to max the cb (rm625 max spending) by petrol pump for general use. unless you topup tng (limited location) or misc/engine oil in the service station. so, the worry for month-end pump is not critical.
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BacktoBasics
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Jan 12 2017, 03:50 PM
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QUOTE(cybpsych @ Jan 11 2017, 01:02 PM) exactly, the 8% ikhwan petronas only for petronas spending. unlikely to max the cb (rm625 max spending) by petrol pump for general use. unless you topup tng (limited location) or misc/engine oil in the service station. so, the worry for month-end pump is not critical.  Guys just wondering if I top up touch n go at petronas. Can use card mesra to earn points and also earn cc cb?
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sms2u
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Jan 12 2017, 03:59 PM
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QUOTE(BacktoBasics @ Jan 12 2017, 03:50 PM) Guys just wondering if I top up touch n go at petronas. Can use card mesra to earn points and also earn cc cb? no allow to earn mesra point when reload touch n go
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cybpsych
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Jan 12 2017, 04:02 PM
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QUOTE(BacktoBasics @ Jan 12 2017, 03:50 PM) Guys just wondering if I top up touch n go at petronas. Can use card mesra to earn points and also earn cc cb? tried dy. cannot earn points
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BacktoBasics
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Jan 12 2017, 04:23 PM
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QUOTE(cybpsych @ Jan 12 2017, 04:02 PM) tried dy. cannot earn points  What about cash back at spending at petronas the 8%
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cybpsych
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Jan 12 2017, 04:44 PM
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QUOTE(BacktoBasics @ Jan 12 2017, 04:23 PM) What about cash back at spending at petronas the 8% what about it? got cashback for any petronas spending lo, including purchases inside service station.
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BacktoBasics
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Jan 12 2017, 05:01 PM
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QUOTE(cybpsych @ Jan 12 2017, 04:44 PM) what about it? got cashback for any petronas spending lo, including purchases inside service station. I mean for top up touch and go using credit card at petronas entitles to cash back?
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cybpsych
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Jan 12 2017, 05:07 PM
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QUOTE(cybpsych @ Jan 5 2017, 08:09 PM) you should see the cb on 1st Jan dy. check the transaction history again or the statement.  QUOTE(BacktoBasics @ Jan 12 2017, 05:01 PM) I mean for top up touch and go using credit card at petronas entitles to cash back?
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-kytz-
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Jan 14 2017, 11:59 PM
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So, I finally went to apply for Ikhwan Visa Petronas and Ikhwan Gold Master card for petrol and TouchNGo cashback  Hope I can get the cards soon
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cybpsych
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Jan 15 2017, 12:27 AM
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QUOTE(-kytz- @ Jan 14 2017, 11:59 PM) So, I finally went to apply for Ikhwan Visa Petronas and Ikhwan Gold Master card for petrol and TouchNGo cashback  Hope I can get the cards soon  applying is easy. ultimate question is, will get APPROVED or not?
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!@#$%^
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Jan 15 2017, 01:01 AM
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QUOTE(-kytz- @ Jan 14 2017, 11:59 PM) So, I finally went to apply for Ikhwan Visa Petronas and Ikhwan Gold Master card for petrol and TouchNGo cashback  Hope I can get the cards soon  perhaps better to apply ikhwan visa first. once approved only apply to add on ikhwan master
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vin_ann
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Jan 15 2017, 09:57 AM
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OTT:
Petronas Hartamas got sell Gift card Rm100 with value RM105 inside card.
They do not accept credit card payment for gift card n touch n go reload. ;(
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kart
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Jan 15 2017, 11:00 AM
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Here is another Aeon outlet, whereby you can get 5% grocery cashback for purchasing Aeon Gift Vouchers. AEON Supermarket - Mahkota Cheras, Aeon Customer Service (for purchase of Aeon Gift Vouchers) - Obtain 5% grocery cashback for Maybank Islamic MasterCard Ikhwan Credit Card. - confirmed. - Shown as 'AEON SMKT-MAHKOTA CHERAS CHERAS MY', in credit card statement. - Address: Ground Floor (opposite Shihlin Taiwan Street Snacks), Aeon Mahkota Cheras, Jalan Temenggung 21/9, Bandar Mahkota Cheras, Cheras, 43200 Selangor, Malaysia. - Google Map Link: https://goo.gl/maps/cfzFt2tRgcsThis post has been edited by kart: Jan 22 2017, 10:20 AM
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SUSDavid83
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Jan 15 2017, 11:50 AM
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QUOTE(kart @ Jan 15 2017, 11:00 AM) Here is another Aeon outlet, whereby you can get 5% grocery cashback for purchasing Aeon Gift Vouchers. AEON Supermarket - Mahkota Cheras, Aeon Customer Service (for purchase of Aeon Gift Vouchers) - Obtain 5% grocery cashback for Maybank Islamic MasterCard Ikhwan Credit Card. - confirmed. - Shown as 'AEON SMKT-MAHKOTA CHERAS CHERAS MY', in credit card statement. - Address: Ground Floor (opposite Shihlin Taiwan Street Snacks), Aeon Mahkota Cheras, Jalan Temenggung 21/9, Bandar Mahkota Cheras, Cheras, 43200 Selangor, Malaysia. AEON SMKT: The terminal they used is registered under groceries category
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kart
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Jan 15 2017, 01:37 PM
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^ Yes, that is correct, David83. Most of the times, the vouchers are sold in Aeon Departmental. That is why we should compile a list of Aeon outlets, whereby the vouchers are sold in supermarket area. For Aeon Mahkota Cheras, there is no customer service area located in Aeon Departmental on the second floor. Instead, Aeon Customer Service is located on the ground floor, just outside Aeon Supermarket. It benefits us, who want to gain 5% grocery cashback. If I am not mistaken, I recalled that someone else mentioned SMKT tag for voucher purchase is also applicable for Aeon Supermarket in IOI Mall, and Kepong. This post has been edited by kart: Jan 15 2017, 01:40 PM
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