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

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victorian
post Aug 9 2025, 11:05 AM

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QUOTE(victorian @ Aug 9 2025, 10:52 AM)
I have zero idea how my CB is computed. Spaylater confirm got the CB because only one block of spending.

[attachmentid=11516910]
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I have a wild guess, my transaction up to 20 July adds up to the RM42.90 cashback.

Then starting 23 July my transaction does not earn CB anymore.

Attached Image


victorian
post Aug 9 2025, 11:08 AM

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My partner's account also the same, last transaction on 15 July eligible, the one on 24 July and after is not eligible for CB.
sg8989
post Aug 9 2025, 12:05 PM

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I hv only 1 transaction on 27 july spay later

NO CB.
fruitie
post Aug 9 2025, 12:25 PM

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I only got RM 12.80 cash back. Sigh. Can anybody help me to check what went wrong? I usually will use this card for Shopee or SPL but because my SPL was more than RM 625 last month so I used M2Cards AmEx to pay and used Ikhwan AmEx to pay my bills. I usually use M2C AmEx for bills and did anyone use Ikhwan to pay recently and got cash back?

My July transactions:
user posted image
user posted image


Human Nature
post Aug 9 2025, 12:43 PM

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Anyone contacted CS yet?
beLIEve
post Aug 9 2025, 12:47 PM

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QUOTE(fruitie @ Aug 9 2025, 12:25 PM)
I only got RM 12.80 cash back. Sigh. Can anybody help me to check what went wrong? I usually will use this card for Shopee or SPL but because my SPL was more than RM 625 last month so I used M2Cards AmEx to pay and used Ikhwan AmEx to pay my bills. I usually use M2C AmEx for bills and did anyone use Ikhwan to pay recently and got cash back?

My July transactions:
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I think most likely your Telco bills are categorized under Utilities that are excluded. Assume Astro also Utilities.

The following transactions are not taken into account in the accumulation of Cash Back:
.....
 Government Bodies, utilities and e-wallets reloads.

5. Telecommunication Services: Maxis,
Digi, Unifi, U Mobile, etc.

fruitie
post Aug 9 2025, 01:17 PM

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QUOTE(beLIEve @ Aug 9 2025, 12:47 PM)
I think most likely your Telco bills are categorized under Utilities that are excluded. Assume Astro also Utilities.

The following transactions are not taken into account in the accumulation of Cash Back:
.....
 Government Bodies, utilities and e-wallets reloads.

5. Telecommunication Services: Maxis,
Digi, Unifi, U Mobile, etc.

*
But still cannot get RM 12.80 cash back.
sg8989
post Aug 9 2025, 01:56 PM

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QUOTE(Human Nature @ Aug 9 2025, 12:43 PM)
Anyone contacted CS yet?
*
Only pm msg via m2u
azlim
post Aug 9 2025, 01:59 PM

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QUOTE(fruitie @ Aug 9 2025, 01:17 PM)
But still cannot get RM 12.80 cash back.
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(136.75 + 10.25 + 13) * 0.08 = 12.8
beLIEve
post Aug 9 2025, 02:00 PM

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QUOTE(fruitie @ Aug 9 2025, 01:17 PM)
But still cannot get RM 12.80 cash back.
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This is what I get. Rightmost is round down to nearest cent. Did not include umobile eshop.

35.35 2.828 2.82
16 1.28 1.28
43.1 3.448 3.44
16.38 1.3104 1.31
30 2.4 2.4
14 1.12 1.12
13 1.04 1.04

Total : 13.41

I guess you can get them to check.
fruitie
post Aug 9 2025, 02:09 PM

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QUOTE(azlim @ Aug 9 2025, 01:59 PM)
(136.75 + 10.25 + 13) * 0.08 = 12.8
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Thanks but that’s a weird set of eligible translations. laugh.gif
I will call MBB to ask them to check.

QUOTE(beLIEve @ Aug 9 2025, 02:00 PM)
This is what I get. Rightmost is round down to nearest cent. Did not include umobile eshop.

35.35 2.828 2.82
16 1.28 1.28
43.1 3.448 3.44
16.38 1.3104 1.31
30 2.4 2.4
14 1.12 1.12
13 1.04 1.04

Total : 13.41

I guess you can get them to check.
*
Will check but I also want to know if others are still getting cash back for bills. laugh.gif
beLIEve
post Aug 9 2025, 03:41 PM

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QUOTE(fruitie @ Aug 9 2025, 02:09 PM)
Will check but I also want to know if others are still getting cash back for bills. laugh.gif
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I don't pay bills directly with the card. Pay through Shoppee Lazada. Lazy to remember which one eligible which one not.
contestchris
post Aug 10 2025, 12:28 AM

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Is it true Spaylater is now excluded from Ikhwan Amex cashback?
ClarenceT
post Aug 10 2025, 10:19 AM

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QUOTE(contestchris @ Aug 10 2025, 12:28 AM)
Is it true Spaylater is now excluded from Ikhwan Amex cashback?
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Why/where did you get this info?
rooneybeckham
post Aug 10 2025, 12:37 PM

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QUOTE(victorian @ Aug 9 2025, 11:05 AM)
I have a wild guess, my transaction up to 20 July adds up to the RM42.90 cashback.

Then starting 23 July my transaction does not earn CB anymore.
Same here, my transaction on 22 july also not counted
ruben7389
post Aug 10 2025, 12:55 PM

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Alamak looks like Ikhwan amex cannot earn anymore under spaylater..... The normal 5% Amex still can ?
MGM
post Aug 10 2025, 01:00 PM

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QUOTE(ruben7389 @ Aug 10 2025, 12:55 PM)
Alamak looks like Ikhwan amex cannot earn anymore under spaylater..... The normal 5% Amex still can ?
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U already confirmed with Maybank?
gooroojee
post Aug 10 2025, 01:12 PM

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No spaylater CB would be so sad..
jutamind
post Aug 10 2025, 01:20 PM

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I think it would be a matter of time spaylater will be excluded from CB just like ewallet for many CB cards
cybpsych
post Aug 10 2025, 01:44 PM

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QUOTE(jutamind @ Aug 10 2025, 01:20 PM)
I think it would be a matter of time spaylater will be excluded from CB just like ewallet for many CB cards
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no reason to exclude

in fact, spl has more advantages to Maybank

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