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

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cybpsych
post Nov 15 2025, 08:14 PM

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QUOTE(kart @ Nov 15 2025, 07:52 PM)
cybpsych

I am just very cautious of the changes.
The FAQ does states that: "all card features including cashback, points, discounts, and rewards remain unchanged."
For sure, the banks would want us to quickly agree with the changes.
However, as cardholders, I feel that we really need to ensure that the changes in the contract for Maybank Islamic Card will not cause any hidden ill effects that may be detrimental to us.
Perhaps, the banks do not provide us the full disclosure of all terms and conditions regarding the changes in the contract.
Anyway, as you mentioned before that the internal management of the card is transparent to users, I should not overthink, and should instead agree with the replacement of the Shariah contract.
Thank you.
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our assurance is no changes to card features.

the underlying management is none of our control too. it's more to notifying us of changes.

still have time for your to assess the impact to you.


p/s: let's be frank, the moment we applied Ikhwan cards, I'm sure we already known/blindly accepted the T&Cs without fully understanding the Shariah compliancy. We only look at the benefits/features.
Human Nature
post Nov 16 2025, 03:42 PM

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I made a payment yesterday to clear my spaylater directly. However, it appears in unbilled statement as shopeepay. How is this possible?

user posted image

This post has been edited by Human Nature: Nov 16 2025, 03:45 PM
cybpsych
post Nov 17 2025, 08:44 AM

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QUOTE(Human Nature @ Nov 16 2025, 03:42 PM)
I made a payment yesterday to clear my spaylater directly. However, it appears in unbilled statement as shopeepay. How is this possible?

user posted image
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after posting, what does it show now?
Human Nature
post Nov 17 2025, 09:31 AM

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QUOTE(cybpsych @ Nov 17 2025, 08:44 AM)
after posting, what does it show now?
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That is the one after posting at MAE. The sms received for MSOS code state Shopee Pay L.
ClarenceT
post Nov 17 2025, 10:54 AM

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QUOTE(Human Nature @ Nov 17 2025, 09:31 AM)
That is the one after posting at MAE. The sms received for MSOS code state Shopee Pay L.
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I still got Seamoney / Spaylater in the past 2 days.

From your experience, Seamoney may change the way we pay to settle Spaylater, similar to Grabpay-Grabpaylater, then end game to use Maybank CC to pay Spaylater.
annoymous1234
post Nov 17 2025, 11:28 AM

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Still haven't credit the missing cb. Looks like need to make a report
Human Nature
post Nov 17 2025, 12:29 PM

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QUOTE(ClarenceT @ Nov 17 2025, 10:54 AM)
I still got Seamoney / Spaylater in the past 2 days.

From your experience, Seamoney may change the way we pay to settle Spaylater, similar to Grabpay-Grabpaylater, then end game to use Maybank CC to pay Spaylater.
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The weird thing, only this transaction is affected. Others made before/after is okay.
kart
post Nov 17 2025, 03:27 PM

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I also encountered similar issue, when I made a payment to directly clear SPayLater Bill, without reloading ShopeePay ewallet.


Transaction Description during Secure2u approval: MY SHOPEE PAY LATER


Transaction Description shown in pending transaction in Maybank2u website: SPAYLATER REPAYMENT-EC KUALA LUMPUR 59200 000


Transaction Description shown in unbilled transaction in Maybank2u website: SHOPEEPAY KUALA LUMPUR MY

Human Nature
post Nov 17 2025, 09:21 PM

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QUOTE(kart @ Nov 17 2025, 03:27 PM)
I also encountered similar issue, when I made a payment to directly clear SPayLater Bill, without reloading ShopeePay ewallet.
Transaction Description during Secure2u approval: MY SHOPEE PAY LATER
Transaction Description shown in pending transaction in Maybank2u website: SPAYLATER REPAYMENT-EC KUALA LUMPUR 59200 000
Transaction Description shown in unbilled transaction in Maybank2u website: SHOPEEPAY KUALA LUMPUR MY
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What is the date?
ronnie
post Nov 18 2025, 07:56 AM

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QUOTE(fruitie @ Nov 11 2025, 09:26 PM)
I didn't get full cash back too. I guess if spent before 28th Oct, then no issue.
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did you raise a report with MBB on the missing "cashback" for transaction posted after 28/10/2025
kart
post Nov 18 2025, 09:33 AM

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QUOTE(Human Nature @ Nov 17 2025, 09:21 PM)
What is the date?
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Transaction date and posting date are 15 Nov 2025.
fruitie
post Nov 18 2025, 10:12 AM

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QUOTE(ronnie @ Nov 18 2025, 07:56 AM)
did you raise a report with MBB on the missing "cashback" for transaction posted after 28/10/2025
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No… Lazy this time and see if MBB will credit later. Otherwise I will do it after some time.
Human Nature
post Nov 18 2025, 11:36 AM

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QUOTE(ronnie @ Nov 18 2025, 07:56 AM)
did you raise a report with MBB on the missing "cashback" for transaction posted after 28/10/2025
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I did on 9 Nov. still nothing.

QUOTE(kart @ Nov 18 2025, 09:33 AM)
Transaction date and posting date are 15 Nov 2025.
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Ok so same date. I have reported this to MBB.
ClarenceT
post Nov 18 2025, 12:41 PM

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QUOTE(Human Nature @ Nov 18 2025, 11:36 AM)
I did on 9 Nov.
Ok so same date. I have reported this to MBB.
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It is merchant's issue.
Just like SenQ has a lot of credit card device at the counter, the cashier simply use any device, not always using Maybank one.

This post has been edited by ClarenceT: Nov 18 2025, 12:41 PM
annoymous1234
post Nov 18 2025, 02:49 PM

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I drop mbb a message at their website regarding the missing cb, their live chat no one layan. sweat.gif
kart
post Nov 18 2025, 03:58 PM

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Human Nature

For your Ikhwan Amex card, did you get any TreatsPoints for your SPayLater transaction on 15 Nov 2025?


QUOTE(ClarenceT @ Nov 18 2025, 12:41 PM)
It is merchant's issue.
Just like SenQ has a lot of credit card device at the counter, the cashier simply use any device, not always using Maybank one.
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Which bank is the acquirer bank for SPayLater?


Human Nature
post Nov 18 2025, 07:22 PM

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QUOTE(kart @ Nov 18 2025, 03:58 PM)
Human Nature

For your Ikhwan Amex card, did you get any TreatsPoints for your SPayLater transaction on 15 Nov 2025?
Which bank is the acquirer bank for SPayLater?
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No, didnt get the TP

This post has been edited by Human Nature: Nov 18 2025, 08:30 PM
cybpsych
post Nov 19 2025, 09:24 AM

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QUOTE(Human Nature @ Nov 16 2025, 03:42 PM)
I made a payment yesterday to clear my spaylater directly. However, it appears in unbilled statement as shopeepay. How is this possible?

user posted image
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QUOTE(Human Nature @ Nov 18 2025, 07:22 PM)
No, didnt get the TP
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curious, in mae app | expenses ... how does maybank categorize ewallet as?

ewallet or just financial or others?

i see my spaylater = marketing category (mae app's category)
Human Nature
post Nov 19 2025, 10:59 AM

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QUOTE(cybpsych @ Nov 19 2025, 09:24 AM)
curious, in mae app | expenses ... how does maybank categorize ewallet as?

ewallet or just financial or others?

i see my spaylater = marketing category (mae app's category)
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How to check the catogery?
cybpsych
post Nov 19 2025, 11:35 AM

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QUOTE(Human Nature @ Nov 19 2025, 10:59 AM)
How to check the catogery?
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written above le

mae app | expenses

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