for online transaction, i will use public bank visa signature, 6% for dining, grocery & online transaction in everyday, cap RM38
sorry for out of topic, just want share the good to everyone

why want to max out all of your cards?

there IS always variety of ways to max the cb, but the question is WHY?!

keep it as backup card cannot? must use? lf u insist the spend for the sake of reaping the cb, then spend for petrol and grocery lor.

pump 1k petrol? can? later you said not enough cars or cars no need so much petrol, etc etc
buy 1k grocery? ok? later you said buy vouchers cannot resell, household not many grocery usage, etc etc

alternatively, reload TNG 1k? then you can pay all the tolls or parking malls or even pay at Watson's or Juiceworks, etc there are tons of merchants accepting TNG as payment.

why is it imperative for you to max the cb? 

don't spend because the cash rebate, just spend what you really need/use it

Unnecessary spend 5k for rm250 cash back, where IS the logic in there?

Unless your spending is needed.

If you have the cash to repay back in full every month then continue to chase cash back with your unnecessary spending.

Go to bank to apply for a credit card machine with Groceries MCC.
Be careful. Once you get caught, the banks will terminate your cards. The rewards/rebate shall be recalled if you are involved in business activities.

You are telling us...

Except this Ikwan , i have no idea how to max out ,
may be buy cash voucher on FRI/SAT , but not easy to resell those voucher

most of my spending are not my own === help friends/customer pay bils , such as TNB . (TNB bill can easily 4DIGIT)
i used that method on all my cards , except IKWAN ....
that;s why i'm asking here .

his is my side income for credit cards .......
cash rebate ~RM200-300 (when MBB AMEX/BARCELONA arrive , +RM100)
Balance transfer , another few hundred .....
+ other banks free gifts ......

---

You do it consistently, then legally it is a business activity and it is part of your income.

http://www.enanyang.my/news/20180228/%E4%B...%8812%E5%88%A4/

I just remember...

You can use Ikhwan Mastercard to pay at Taobao.com (to buy things at Taobao)
Sometime (not always) you may get cashback at Alipay Hangzhou (Groceries MCC).

She spent at Tesco (maybe wholesale, buy for other grocery shops) if I am not wrong.
5X Treatpoints worth 1.25%, no cap. If redeem 100 million Treatpoints, RM250k worth of Petronas Giftcards / KFC / McD / Secret Recipe vouchers!

I admit that their benefits are good.
Nevertheless, it's an end of chapter of me with MBB.
I have moved on to PBB.

When was the November 30th, 2018 transaction at TESCO is posted to M2U?
Since Tesco is using CIMB terminal, the posting is hardly be same day posting.

Your rebate will go into December quota as it'll be posted on 1st/2nd December 2018.

You just have to swipe another RM 500 to get full cash back for the month of December 2018.

Cash back eligibility is based on transaction date.
Cash back to go into which month quota is determined by posting date.

This situation only happens if the last Friday/Saturday (for Ikhwan Mastercard) or Saturday/Sunday (for MBB2 AMEX) of the current month falls on the last day of the month.

Cash back eligibility is based on transaction date.
Cash back to go into which month quota is determined by posting date.

This situation only happens if the last Friday/Saturday (for Ikhwan Mastercard) or Saturday/Sunday (for MBB2 AMEX) of the current month falls on the last day of the month.

So good will thing?

So you're implying that we're all here wrong and should write to MBB and CC to BNM to demand for the cash back for month end case?