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

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SUSMasterConfucion
post Mar 3 2024, 10:23 AM

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I looking to apply ikhwan visa vs ikhwan petronas. Petronas give 8℅ cb while the normal only 5℅

It's no brainer to go for the petronas one right? Or is there other catch I didn't realize?
SUSMasterConfucion
post Mar 3 2024, 11:16 AM

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QUOTE(MGM @ Mar 3 2024, 10:29 AM)
U mean ikhwan mastercard 5%  VS Petronas ikhwan Visa 8%? MC one at all petrol stations with mcc 5541,5542.
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Yup I mean the MasterCard 5℅ vs visa 8℅. What does mc one... means in normal language? I just look at 8℅ vs 5℅ and hope I'm not missing something to good to be true
SUSMasterConfucion
post Mar 3 2024, 11:18 AM

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QUOTE(cybpsych @ Mar 3 2024, 10:29 AM)
8% weekend at PETRONAS fuel only

if you anti-Pet for your precious car or cannot pump on weekend, then tough for you lor
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Ok so the only catch is if someone anti petronas then don't want the 8% 😆. I'm ok with petronas just need drive bit further.


QUOTE(ClarenceT @ Mar 3 2024, 11:07 AM)
Why not Ikhwan AMEX, 8% online CB? >8% savings for Petrol.

Buy Petron (for stations in West Malaysia only) RM50 at RM45, Shell RM50 at RM49, Petronas RM50 at RM50. Use Ikhwan Amex to pay Lazada and get 8% CB. (Lazada 3/3 only)

Use the fuel vouchers from Monday to Sunday, not limited to Friday to Sunday. smile.gif
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I'm currently using maybank2card amex but the petrol station suddenly changed credit card system dont accept amex. So now I also change credit card and probably petrol station

SUSMasterConfucion
post Mar 7 2024, 11:09 AM

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Hi guys, I cancelled my Amex credit card then applied the petronas card. Today I got message it not successful but imposible cos I meet all criteria and have been use maybank amex 10 years.

It it reject because I haven't paid out standing balance for the amex? Or is the cancel for ringgitplus application? Cos first I apply comparehero and then saw ringgitplus got better gift and apply again but it didn't let me proceed also
SUSMasterConfucion
post Mar 7 2024, 11:36 AM

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QUOTE(ClarenceT @ Mar 7 2024, 11:14 AM)
Since you still have outstanding balance at Maybank CC, it means your Amex and credit limit is not cancelled.

Therefore Maybank Islamic won't give you a new credit line.

Why not you CONVERT your existing Maybank credit line to Maybank Islamic credit line?

https://www.maybank2u.com.my/iwov-resources...ersion-form.pdf
https://www.maybank2u.com.my/iwov-resources...wanCard-FAQ.pdf
https://www.maybank2u.com.my/iwov-resources...ersion-list.pdf
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QUOTE(fruitie @ Mar 7 2024, 11:29 AM)
I think this may still work:

I) Apply like normal applications
II) If method I fails, ask to split your existing conventional credit limit into an Islamic credit limit.
III) If method II fails, convert your Maybank card to Islamic card.
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Thanks I think is the problem. Unfortunately I already cancel so no more credit limit. I just paid the outstanding balance today. Should be able reapply right? Cos want to get the rm50 tounchandgo from compare hero
SUSMasterConfucion
post Mar 9 2024, 10:43 AM

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Hi, I'm very sad my credit card got rejected. I'm more than qualify for it. When try apply again online, it ask me for wait 3 months.

If I go branch apply is it will same result or have chance different approver?

This post has been edited by MasterConfucion: Mar 9 2024, 10:43 AM
SUSMasterConfucion
post Mar 9 2024, 02:27 PM

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QUOTE(cybpsych @ Mar 9 2024, 01:04 PM)
application review and approval is at HQ, not at the branch.

resubmission won't get different results as your previous application already has record there.

also, your definition of 'im more than qualify' doesn't guarantee approval because banks has more criteria of checking.

Maybank Islamic is known to be quite stringent and stingy too. I was also rejected for 2x before they approved me.
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I see.. They didn't even tell the reason so don't know where wrong. So u wait 3 months and 3 months apply before get approve?
SUSMasterConfucion
post Mar 9 2024, 03:34 PM

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QUOTE(ClarenceT @ Mar 9 2024, 02:59 PM)
You don't qualify for Maybank Islamic's new credit line, as you still had a credit line from Maybank.
Normally Maybank Card Centre won't give a new credit line, unless your income is substantially improved from last review.

Also, apply directly at Maybank Card Centre, avoid third party and Maybank2U online application.
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I see. I try to get the free gift from ringgit plus. 3 months later will try direct from maybank since I already cancel all maybank credit card should be ok.

I never have a single rejection from other banks before that's why so disappoint
SUSMasterConfucion
post Mar 9 2024, 05:24 PM

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QUOTE(ClarenceT @ Mar 9 2024, 03:55 PM)
When you still had Maybank CC last month, emailed the Conversion form to Card Centre, almost 100% you would get approved for Maybank Islamic CC.

The M2U robot can be too smart to reject application even though you meet all the criterias. So email/talk to card centre, Maybankers are helpful.

Just wondering if Maybank can reinstate your credit line that you cancelled a few days ago. If possible, then spilt the credit limit into 2 parts, for conventional banking and islamic banking. Eg your existing credit limit RM20000, spilt into Maybank CC (Amex 5% CB) RM10000 and Maybank Islamic CC RM10000 (Visa-i 8% CB, MasterCard-i 5% CB, Amex-i 8% CB). smile.gif
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I already cancel no point going through if I should have done this and that.

Is it true my application is rejected by robot instead of real human assessing it? Cos when I click submit it says your application is principally approve but next day it SMS me say rejected.
SUSMasterConfucion
post Mar 9 2024, 07:22 PM

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QUOTE(ClarenceT @ Mar 9 2024, 05:46 PM)
Yes rejected by the robot.
Then I emailed to card centre, human read my supporting documents and approved it and increased credit limit (I didn't request).
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QUOTE(xpole @ Mar 9 2024, 06:25 PM)
I applied for 3 times online before this. Got Rejected.

Lately for the past 2-3 months, telemarketing team from Maybank sent me 2-3 emails to apply for the credit card. Applied for 1 time, and APPROVED.

I think you should check your spam/junk folder. Their telemarketing team may send blast email to apply for the credit card.

I hate telemarketers, but when it comes to this situation, I truly appreciate them.  laugh.gif
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Thanks for the confirm. Then I think I should try reach out to real human for a chance. Means can't get ringgit plus rm100 🥲

SUSMasterConfucion
post Mar 10 2024, 02:09 PM

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QUOTE(Altrius @ Mar 10 2024, 01:55 PM)
I'm not sure why some comments mention you can't get islamic credit if u have maybank.

Just to share my own experience, I have maybank cc, I applied online for islamic card on December '23, and "instantly" got approved.
Why is say instantly is because, after I submitted, I check on MAE and saw the card, realised it's the wrong card showing, I immediately called to cancel.
I was told there was no system error, so they say likely it's human error on my end. The card was immediately cancelled, as shown in MAE app. 2 days later, the card arrived at my house.

On Feb '24, I apply online again for the card that I wanted, wasn't because of cooldown period or anything, just that I was lazy, and didn't really need the card.
Got "rejected" this time.

Then I went to Maybank credit card center and told the staff what happened, the whole story above, and he say can apply again with him. Approved this time.

tl;dr Probably you can try to apply at Maybank credit card center if you really want the card, and not the ringgitplus gift.
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I'm not locAted in KL. U think they will layan me if call customer service?

 

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