Read the product details, when the cash back will be credited. Some follows calendar month, some follows statement month.

Also for Maybank, both Maybank 2 Gold and Ikhwan are considered as two entities - conventional and Islamic. Hence, for income below RM 36k per annum can only apply for two issuing banks. In this case, if apply for both of these cards, they are not able to apply for another bank until the income exceeds RM 36k per annum.

Go to bill payments on Lazada or Shopee, choose UniFi and pay directly with AmEx Ikhwan.

Employment confirmation letter is not the probation confirmation letter, nothing for you to dig back all the way to 15 years ago.
Just get your HR to give you a letter to confirm you are currently working for the company. It is a standard letter that all companies can issue.

Some banks can be quite strict, it is not a standard document.
I had the same issue when I applied for Alliance bank.

I don’t fly for work so much these days compared to before Covid and even that I had a company credit card to use. Ironically, all my business class tickets were redeemed from 2022 onward.

Every time I always redeem a single business class ticket hence it’s achievable for me. Can’t say the same if with family. So far, I have redeemed 10 times and only business class tickets ranging from Asia to Europe. To me, to redeem one economy class ticket is a waste. The strategy is you need to know how the expenses work and from there you can plan accordingly. I changed all my cash back cards (though I still have them) to airmiles cards. Cash back I only stick to Maybank. The rest I will use airmiles cards.

Yes. The service charge is pretty negligible vs the amount I pay for my tickets under redemption.

Well, I may only pay less than RM 500 for a business class ticket instead of full payment more than 10k. I guess worth it. I never really bother about those charges to be honest.

Cannot pay bills via M2U using Ikhwan AmEx as it won’t be counted as cash back. Obviously, TNB also won’t be considered into cash back.

No, TNB is utilities so no cash back.

Yes, if using their respective telco apps can get cash back. For UniFi can use Shopee or Lazada and pay directly with AmEx.

This post has been edited by fruitie: Jul 16 2025, 03:00 PM

It depends on your needs. Some people don't go holidays, so accumulate airmiles also useless. For me, I love travelling in business class, so miles to me are important.

It is getting harder now. No more nice cards and I haven't really studied yet after the revision.
I currently have HLB VI, Ambank Enrich VI, Alliance VI, UOB VI and UOB PRIV Miles Elite.

I already cancelled CIMB TWE, M2Premier, SCB Journey.

I didn't get to waive yet because I was given with free AF for 2 years or 3 years when I applied. Zenith is the card I'm still considering. I might even consider AmEx Plat which has RM 3k+ AF if I manage to maximize my spending.

I used to have more >30 cards, now only around 22 cards or something. Never had issues with loans. However, my last hire purchase loan was in 2020 and mortgage loan in 2017 but that time I had > 30 cards.

I hardly use for lounge because I always travel in business, so lounge is provided.
However, if I need to, I used to use CIMB TWE PPF but now UOB mostly for normal PPL. I travel from KLIA most of the time, hardly from KLIA2.

Petronas Islamic VI is a good card, I plan to get it too.

It was CIMB TWE before the revision, now UOB (for KF) and Alliance VI (EM), but again it got revised. I forgot that I also have the AmEx KF Plat for KrisFlyer.

This post has been edited by fruitie: Jul 23 2025, 04:32 PM

PME, but to me, both are almost the same.

It depends, some don’t allow so have to cancel. Some banks may retain, some may not. So apply again next time.

6 months but approval is up to their discretion.

One week of course cannot, they will just reinstate the old card and need to pay for AF.

No.