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

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poooky
post Jul 17 2024, 08:18 AM

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QUOTE(ClarenceT @ Jun 13 2023, 08:27 AM)
Ikhwan Amex
Mon-Sun, not limited to weekend.
Online transactions NOT including M2U bill payment, Jompay/FPX, direct debit.

Transactions at Lazada including purchases of physical goods and digital goods (eg bill payment, food voucher, TNG PIN voucher, Shell/Petronas/Petron voucher) but excluding top up Lazada Wallet.
I had used Ikhwan Amex / PB VS for Lazada transactions in the past few months, only 1 out of hundred was channelled to Direct Debit (no online CB but earned Treat points), the rest still went through online verification without OTP.
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Just found out about the 8% CB on online purchases for the Maybank Islamic Ikhwan American Express Platinum Card-i.

Seems too good to be true. Much better than Gold AMEX 5% CB on weekends only or even Affin Duo Visa 3% CB.

What's the catch with this card?

Are Steam, Telco online prepaid top-up, twitch, patron also eligible for CB?
poooky
post Jul 17 2024, 09:23 AM

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QUOTE(ClarenceT @ Jul 17 2024, 09:13 AM)
Not many online site accept Amex.
For online sites, if the transaction is auto/direct debit (quite common for some foreign sites), no online CB!
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Auto/direct debit as in it approves the transaction without asking for OTP/code?

Anywhere we can confirm this behaviour? Per past experience, shopper, Agoda and even steam doesn't ask for code when making payment.
poooky
post Jul 17 2024, 09:23 AM

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QUOTE(coolguy99 @ Jul 17 2024, 08:46 AM)
I use it mainly for shopee and lazada purchases since both platforms accept amex. That is already good enough for me and I am maxed out on this card every month.
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Maxed out every month? What are you buying to max out the CB?
poooky
post Jul 17 2024, 10:29 AM

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QUOTE(ClarenceT @ Jul 17 2024, 09:28 AM)
You have to try yourself.

You provide Card Number, Expiry Number etc online, if it go through Amex Safekey verification, it is online transaction. If the merchant use old online verification method without OTP/Secure2u, it is still online. If the merchant debit your card account based on the info you provide, it is auto/direct debit.
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Do VISA and MC cards not face the same issue?
poooky
post Jul 17 2024, 06:03 PM

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QUOTE(fruitie @ Jul 17 2024, 10:55 AM)
You only need RM 625 every month to max out RM 50 cash back. It is very easy. Use it to pay bill on Lazada or Shopee.
During Ramadhan or Syawal, you only need RM 1250 to get RM 100 cash back in those two months.

This is a straightforward card, and I have been using it since it was launched back in 2022.
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QUOTE(ClarenceT @ Jul 17 2024, 12:21 PM)
Based on your info...
Not difficult to spend ~RM625/month.
Buy Petronas/Shell/Petron vouchers at Lazada/Shopee/Fave.
Spending at Shopee/Lazada including bill payment and buying groceries.
AirAsia / Malaysia Airlines

Please note:
Forget e-wallet top up (no reward/CB) and insurance (which one accept Amex?).
Income requirement to get Amex-i: >RM40000.
You don't have to spend >RM625/month to get RM50 CB/month.
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QUOTE(coolguy99 @ Jul 17 2024, 03:37 PM)
You can pay bills or just get your daily necessities from those sites.
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Thanks for clarifying this.

So the main idea to maximizing the CB is to use:

1. Spaylater / LazPaylater for physical retail purchases (groceries, restaurants, convenience stores, etc)
2. Buy Petrol / Telco / Ewallet Top-up vouchers from Shoppee/Laz using the Pay Later function

And then paying off that balance using the AMEX CC? Anything else I'm missing?

Also, are those Petrol / Telco / Ewallet Top-up voucher legit? (E.g. RM50 petrol for RM48 and RM10 TnG pin for RM9)


If this is the case, I may have to cancel my Ikhwan Gold Card and Affin Duo Visa cards that I just applied for the other day if I am successful in getting the Ikhwan AMEX

This post has been edited by poooky: Jul 17 2024, 06:04 PM
poooky
post Jul 17 2024, 07:38 PM

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QUOTE(ClarenceT @ Jul 17 2024, 06:52 PM)
You can't use Lazpaylater outside Lazada platform.

For the time being, you can use Amex to pay SPayLater, but it won't last long, enjoy it while it lasts.

Where to buy TNG PIN online using Amex nowadays?
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The TnG pins sold on Shoppee by sellers.

Why won't it last long though?
poooky
post Jul 18 2024, 10:43 AM

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QUOTE(ClarenceT @ Jul 18 2024, 07:10 AM)
Wah you are willing to pay >8% surcharge?
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Nope lol. I was browsing and found some sellers selling rm5 pins for rm4.90, etc.
poooky
post Jul 18 2024, 03:35 PM

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QUOTE(ronnie @ Jul 18 2024, 11:14 AM)
Got such seller ??  :confused:  :confused:
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Hmm. Probably not. I saw petrol petrol and Telco top-up vouchers/pins selling for a little below the voucher value so I presumed it was the same for the TNG pin.

In any case, are the petrol and telco vouchers legit?
poooky
post Sep 4 2024, 09:58 AM

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I got my MBB AMEX in Aug, made a few big shoppee and online purchases, but no cash rebate credited on 01/09.

On other hand, I got cash rebate for my MBB Ikwan Gold on 01/09

Should I email MBB customer service? or will it eventually come?
poooky
post Sep 4 2024, 10:55 AM

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QUOTE(MGM @ Sep 4 2024, 10:20 AM)
Did on weekend?
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QUOTE(cybpsych @ Sep 4 2024, 10:05 AM)
give transaction dates
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Main transactions are:

1. Service Tax RM25 Charged on activation date 01/8
2. Lazada Purchase RM3 on 03/08
3. Spaylater RM110 08/08
4. Lazada Purchase RM3000 08/08
5. Spaylater RM13 15/08

This post has been edited by poooky: Sep 4 2024, 10:56 AM
poooky
post Sep 4 2024, 11:11 AM

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QUOTE(cybpsych @ Sep 4 2024, 11:05 AM)
you're posting in Ikhwan topic

which Amex card are you referring to?

the maybank2card amex @ 5% weekend or the Ikhwan Amex @ 8% online?
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Oh sorry. I'm using Ikhwan Amex @ 8% online
poooky
post Sep 4 2024, 11:13 AM

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QUOTE(fruitie @ Sep 4 2024, 11:12 AM)
Ikhwan AmEx will be only be credited on 8th of the month not 1st like other Maybank cards.
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Ok, thanks for confirming.
poooky
post Apr 4 2025, 12:14 PM

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April 2025 also eligible for Syawal RM100 CB?
poooky
post Apr 4 2025, 01:47 PM

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QUOTE(fruitie @ Apr 4 2025, 12:26 PM)
Yes.
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Nice. Time to spend spend spend
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