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

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cybpsych
post Aug 10 2025, 01:46 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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unless you have concrete b&w info from Maybank, better stop speculating and confuses users here
ruben7389
post Aug 10 2025, 02:18 PM

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QUOTE(cybpsych @ Aug 10 2025, 01:46 PM)
unless you have concrete b&w info from Maybank, better stop speculating and confuses users here
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im basing it on the outcome of my own Cashback for July and that's why I said "looks like" if u read my comment

Didn't say anything to the effect of confirmed or anything like that


ClarenceT
post Aug 10 2025, 02:53 PM

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QUOTE(ruben7389 @ Aug 10 2025, 02:18 PM)
im basing it on the outcome of my own Cashback for July and that's why I said "looks like" if u read my comment

Didn't say anything to the effect of confirmed or anything like that
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Old problem (which happened early this year) appeared again.
Transactions in late July not captured for CB. Not only Spaylater, But also Lazada transactions etc.

Let's Maybank Islamic take time to rectify it.
fruitie
post Aug 10 2025, 03:20 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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It’s not even an e-wallet, why need to be excluded?
k2017
post Aug 10 2025, 04:07 PM

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QUOTE(ClarenceT @ Aug 10 2025, 02:53 PM)
Old problem (which happened early this year) appeared again.
Transactions in late July not captured for CB. Not only Spaylater, But also Lazada transactions etc.

Let's Maybank Islamic take time to rectify it.
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In my case it’s not counting transactions from 20 July onwards for the CB calculation
ideaplus
post Aug 10 2025, 04:23 PM

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QUOTE(k2017 @ Aug 10 2025, 04:07 PM)
In my case it’s not counting transactions from 20 July onwards for the CB calculation
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My case is one of my Lazada's transaction on 17/07/2025 was not counted
MGM
post Aug 10 2025, 04:41 PM

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QUOTE(k2017 @ Aug 10 2025, 04:07 PM)
In my case it’s not counting transactions from 20 July onwards for the CB calculation
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Mine counted til 19/7 txn, those from 23/7 onwards no cb. SPL done in early July all counted.

This post has been edited by MGM: Aug 10 2025, 04:43 PM
Lazygenes
post Aug 10 2025, 08:54 PM

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<deleted, wrong thread>

This post has been edited by Lazygenes: Aug 10 2025, 08:55 PM
ronnie
post Aug 11 2025, 07:54 AM

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QUOTE(k2017 @ Aug 10 2025, 04:07 PM)
In my case it’s not counting transactions from 20 July onwards for the CB calculation
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Same case here... anything after 21-July for me was excluded (i.e. 22-July transactions onwards no get 8% yet)

And i do not have SPAYLATER transactions

BTW, lodged an official report just in case.... i guess it's system wide issue not "merchant specific"

First RHB, now MBB

This post has been edited by ronnie: Aug 11 2025, 08:42 AM
Devil4life
post Aug 11 2025, 11:05 AM

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Looks like I'm not alone. I only received RM46.19 rebate for Jul 2025.

Initially I suspect is Airpay as I use Shopee to pay bills (which previously can obtain rebate) but now many mentioned is after 25 Jul transaction which also fit my portion. I still getting rebated for Spaylater which also got mention EC behind which is E-commerce so should still able to get rebate.

7 Jul - Lazada 104.84 = RM8.38 rebate
10 Jul - Spaylater EC 472.50 = RM37.80 rebate
29 Jul - Airpay Malaysia 17.25 = RM1.38 rebate
30 Jul - Airpay Malaysia 19.50 = RM1.56 rebate
31 Jul - Airpay Malaysia 11.00 = RM0.88 rebate

This post has been edited by Devil4life: Aug 11 2025, 11:05 AM
cybpsych
post Aug 11 2025, 11:11 AM

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QUOTE(Devil4life @ Aug 11 2025, 11:05 AM)
Looks like I'm not alone. I only received RM46.19 rebate for Jul 2025.

Initially I suspect is Airpay as I use Shopee to pay bills (which previously can obtain rebate) but now many mentioned is after 25 Jul transaction which also fit my portion. I still getting rebated for Spaylater which also got mention EC behind which is E-commerce so should still able to get rebate.

7 Jul - Lazada 104.84 = RM8.38 rebate
10 Jul - Spaylater EC 472.50 = RM37.80 rebate
29 Jul - Airpay Malaysia 17.25 = RM1.38 rebate
30 Jul - Airpay Malaysia 19.50 = RM1.56 rebate
31 Jul - Airpay Malaysia 11.00 = RM0.88 rebate
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7 Jul - Lazada 104.84 = RM8.39 rebate
10 Jul - Spaylater EC 472.50 = RM37.80 rebate

8.39 + 37.80 = 46.19 credited rebate

should be same as others, missing rebate after certain cutoff date (ie 22 Jul onwards)
fruitie
post Aug 11 2025, 11:33 AM

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QUOTE(cybpsych @ Aug 11 2025, 11:11 AM)
7 Jul - Lazada 104.84 = RM8.39 rebate
10 Jul - Spaylater EC 472.50 = RM37.80 rebate

8.39 + 37.80 = 46.19 credited rebate

should be same as others, missing rebate after certain cutoff date (ie 22 Jul onwards)
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Yes, that’s right. I calculated my transactions before 22nd July and yes tally back with the RM 12.80 cash back. Time to call CS.
fruitie
post Aug 11 2025, 02:27 PM

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Update: Made a call to report the issue to CS and MBB is now aware of it. They are conducting a blanket check and will credit any missing cash back, even if customers don't call in. She told me I will be credited within 5-7 working days.

Not sure how true is that, you can also call to verify.
Devil4life
post Aug 11 2025, 02:45 PM

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QUOTE(cybpsych @ Aug 11 2025, 11:11 AM)
7 Jul - Lazada 104.84 = RM8.39 rebate
10 Jul - Spaylater EC 472.50 = RM37.80 rebate

8.39 + 37.80 = 46.19 credited rebate

should be same as others, missing rebate after certain cutoff date (ie 22 Jul onwards)
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Ya, I suspect is RM8.39 from the 7 Jul transaction which I'm surprised as I always think that Maybank use round down function instead of round up type based on my many years observing MBB cash rebate system.
Exeunt
post Aug 11 2025, 10:36 PM

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QUOTE(fruitie @ Aug 11 2025, 03:27 PM)
Update: Made a call to report the issue to CS and MBB is now aware of it. They are conducting a blanket check and will credit any missing cash back, even if customers don't call in. She told me I will be credited within 5-7 working days.

Not sure how true is that, you can also call to verify.
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Thanks for sharing this info, dah malas nak call mbb, shall monitor up coming 2 weeks for refund cb

My case, spay repayment on 25july rm900 but cb only rm4, before 21/7 spent on the card, rm59
annoymous1234
post Aug 12 2025, 10:17 AM

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I can confirm. Transaction after 19 July have no cashback, 2 grab and 1 shopee
annoymous1234
post Aug 12 2025, 10:19 AM

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QUOTE(fruitie @ Aug 11 2025, 02:27 PM)
Update: Made a call to report the issue to CS and MBB is now aware of it. They are conducting a blanket check and will credit any missing cash back, even if customers don't call in. She told me I will be credited within 5-7 working days.

Not sure how true is that, you can also call to verify.
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Is 5-7 days applicable to those who didn't call also? Meaning we just wait till next week, if still no cashback then only call?
fruitie
post Aug 12 2025, 10:24 AM

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QUOTE(annoymous1234 @ Aug 12 2025, 10:19 AM)
Is 5-7 days applicable to those who didn't call also? Meaning we just wait till next week, if still no cashback then only call?
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She told me 5-7 days for my case and I think I did ask for others, she mentioned it’s the same. Yeah, if still nothing then can call back to check.
propusers
post Aug 12 2025, 02:55 PM

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Hi, I am hunting credit card to replace public bank quantum and signature which reduce a lot cash back benefit.

May I know does Ikhwan Amex Platinum-i have any minimum spending terms? such as minimum spend 100 per transaction, or minimum spend 1,000 per month in order to get cash back?


fruitie
post Aug 12 2025, 03:06 PM

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QUOTE(propusers @ Aug 12 2025, 02:55 PM)
Hi, I am hunting credit card to replace public bank quantum and signature which reduce a lot cash back benefit.

May I know does Ikhwan Amex Platinum-i have any minimum spending terms? such as minimum spend 100 per transaction, or minimum spend 1,000 per month in order to get cash back?
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No. But the minimum accumulated cash back is RM 1, so you have to spend at least RM 12.50 (8% cash back) accumulated per month. One month RM 50 cash back, so spend RM 625 is enough. Special months like Ramadan and Syawal will be RM 100 cash back, so spend RM 1250 in these two months.

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