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Credit Cards Recommendation for Credit Cards V4, Please post according to Format stated

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nexus2238
post Nov 20 2025, 08:49 AM

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QUOTE(jwgs0010 @ Nov 19 2025, 08:58 PM)
Can anyone confirm below? I got different answer from Bank Islam thru 2 calls and 1 email doh.gif
Please find the details below:

1. Current Credit Card Statement Date - Your current statement date is 14th of every month.

2. Statement Date Cycle Options - For Bank Islam credit cards, the statement date is fixed. Your cycle runs from 15th of the previous month to 14th of the current month.

3. Cashback or Point Calculation Basis - Cashback and point calculations are based on the statement cycle, not the calendar month.

4. Reflection of Cashback and Points - Cashback and points earned during a cycle will be reflected in the  next statement after the cycle ends.
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I can only answer regarding Bank Islam Visa Platinum-i.

1. Current Credit Card Statement Date - mine is 25th of each month.

2. Statement Date Cycle Options - maybe the bank meant they cannot allow you to choose statement date cycle?

3. Cashback or Point Calculation Basis - cashback for Visa Platinum-i is calculated on calendar month basis, eg 1st Oct to 31st Oct.

4. Reflection of Cashback and Points - cashback for the whole month of October appear on 10th of November in Bank Islam apps, so forth.

This post has been edited by nexus2238: Nov 20 2025, 08:51 AM
ideaplus
post Nov 20 2025, 08:59 AM

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QUOTE(jwgs0010 @ Nov 19 2025, 08:58 PM)
Can anyone confirm below? I got different answer from Bank Islam thru 2 calls and 1 email doh.gif
Please find the details below:

1. Current Credit Card Statement Date - Your current statement date is 14th of every month.

2. Statement Date Cycle Options - For Bank Islam credit cards, the statement date is fixed. Your cycle runs from 15th of the previous month to 14th of the current month.

3. Cashback or Point Calculation Basis - Cashback and point calculations are based on the statement cycle, not the calendar month.

4. Reflection of Cashback and Points - Cashback and points earned during a cycle will be reflected in the  next statement after the cycle ends.
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I am replying according to my current Bank Islam Visa Infinite

1. My statement date is every 14th

2. Yes

3. Calendar month, counted from date of posting, you'll see the detail of CB showing "Cashback For Card XXXX - Oct" in Nov's statement

4. Yes for CB
CoffeeMiloTea
post Nov 20 2025, 06:54 PM

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Hi has anyone cancel the RHB shell credit card? The petrol cashback till now still have not received any yet. No point keeping it.
cybpsych
post Nov 20 2025, 08:04 PM

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QUOTE(CoffeeMiloTea @ Nov 20 2025, 06:54 PM)
Hi has anyone cancel the RHB shell credit card? The petrol cashback till now still have not received any yet. No point keeping it.
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why post in this topic?

there's a dedicated rhb topic, which you posted before.
Human Nature
post Nov 21 2025, 10:11 AM

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Finally called by BM staff at my branch to follow up on my application and asked to send all the documents.
Human Nature
post Nov 21 2025, 06:12 PM

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cybpsych for BM card application, did you submit the form in hardcopy to the branch or via whatsapp/email?
cybpsych
post Nov 21 2025, 06:44 PM

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QUOTE(Human Nature @ Nov 21 2025, 06:12 PM)
cybpsych for BM card application, did you submit the form in hardcopy to the branch or via whatsapp/email?
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all soft copy via WhatsApp

I zipped all docs with password (not the most secure but at least protected)
Human Nature
post Nov 21 2025, 07:05 PM

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QUOTE(cybpsych @ Nov 21 2025, 06:44 PM)
all soft copy via WhatsApp

I zipped all docs with password (not the most secure but at least protected)
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erm, if zipped with password means you give the password to the staff too?
cybpsych
post Nov 21 2025, 07:52 PM

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QUOTE(Human Nature @ Nov 21 2025, 07:05 PM)
erm, if zipped with password means you give the password to the staff too?
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yes, send as separate msg for the password

This is to prevent/reduce casual sharing of the zip file.
kslim888
post Nov 22 2025, 03:08 AM

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QUOTE(cybpsych @ Nov 18 2025, 08:58 PM)
finally, arrived via poslaju maildrop today. consignment date 12 Nov but delivery too 1 week doh.gif

user posted image
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Maybe you need to pay attention to the Bank Muamalat statement to see whether cashback is credited or not. I suspect in December statement (15th) they will also not credit the cashback. I've missed 2 months (October and November) cashback for my Muamalat Pos Malaysia Visa Infinite-i.

There is also another user reported that his EON Muamalat not receiving cashback

https://forum.lowyat.net/index.php?showtopi...ost&p=112393086

https://forum.lowyat.net/index.php?showtopi...ost&p=112393115
cybpsych
post Nov 22 2025, 07:32 AM

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QUOTE(kslim888 @ Nov 22 2025, 03:08 AM)
Maybe you need to pay attention to the Bank Muamalat statement to see whether cashback is credited or not. I suspect in December statement (15th) they will also not credit the cashback. I've missed 2 months (October and November) cashback for my Muamalat Pos Malaysia Visa Infinite-i.

There is also another user reported that his EON Muamalat not receiving cashback

https://forum.lowyat.net/index.php?showtopi...ost&p=112393086

https://forum.lowyat.net/index.php?showtopi...ost&p=112393115
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yep, will monitor it in coming statement date (15 Dec)

thanks

alienxp03
post Nov 22 2025, 10:27 AM

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1. Annual Income: RM200k above

2. Free Lifetime Annual Fee: Preferable but waivable with minimum spending is ok too.

3. Card required for: Collecting points/rewards

4. Existing credit cards (if any): Maybank 2 Visa + Amex Platinum, AmBank Enrich VISA Infinite.

5. Interested in CC from: Any

6. Others: Not really looking for anything specific, just want to get some good rewards from my spending smile.gif
ClarenceT
post Nov 22 2025, 10:42 AM

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QUOTE(alienxp03 @ Nov 22 2025, 10:27 AM)
1. Annual Income: RM200k above

2. Free Lifetime Annual Fee: Preferable but waivable with minimum spending is ok too.

3. Card required for: Collecting points/rewards

4. Existing credit cards (if any): Maybank 2 Visa + Amex Platinum, AmBank Enrich VISA Infinite.

5. Interested in CC from: Any

6. Others: Not really looking for anything specific, just want to get some good rewards from my spending smile.gif
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Maybank 2 Amex Platinum is good enough with 5X Treatpoints on weekdays (=1% reward).

However. If you are looking for a prestigious card, you may consider MAYBANK WORLD ELITE MASTERCARD. AF RM800 but waived if spending >RM80000 /year.


virgoguy
post Nov 22 2025, 02:47 PM

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QUOTE(cybpsych @ Nov 18 2025, 08:58 PM)
finally, arrived via poslaju maildrop today. consignment date 12 Nov but delivery too 1 week doh.gif

user posted image
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I am still waiting for mine. They sent wrong card and waiting for them to replace the correct one. not sure they will arrived in 1-2 weeks time as promised yawn.gif
CoffeeMiloTea
post Nov 22 2025, 06:33 PM

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QUOTE(cybpsych @ Nov 20 2025, 08:04 PM)
why post in this topic?

there's a dedicated rhb topic, which you posted before.
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Thanks. In summary it will be too tiring to have to follow up on a monthly basis. I suspect every month there is a quota and not everyone is able to get it even though entitle. You complain you get it but someone else will have to wait for his turn the following month. I see no point in continuing holding this card. I’ve requested to cancel it. Probably this is what they wanted as a temporary solution. Thanks for informing.

This post has been edited by CoffeeMiloTea: Nov 22 2025, 06:40 PM
CoffeeMiloTea
post Nov 22 2025, 06:39 PM

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QUOTE(kslim888 @ Nov 22 2025, 03:08 AM)
Maybe you need to pay attention to the Bank Muamalat statement to see whether cashback is credited or not. I suspect in December statement (15th) they will also not credit the cashback. I've missed 2 months (October and November) cashback for my Muamalat Pos Malaysia Visa Infinite-i.

There is also another user reported that his EON Muamalat not receiving cashback

https://forum.lowyat.net/index.php?showtopi...ost&p=112393086

https://forum.lowyat.net/index.php?showtopi...ost&p=112393115
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Thanks. I believe could be similar to RHB shell card. To be honest the benefit is too good to be true. I just provided hardcopy of all the requested do documents. Given that how ‘fast’ they process the application I believe most likely mine will not be looked at after all. Somehow I feel that it’s a good news. I have already identified another replacement though not as good as this one but it’s good enough for my monthly usage and I can maximise the cashback even though I do not use the card for physical payment. Thanks for sharing. This is indeed a good news so that I can stop following up and just hope they don’t process my application.

This post has been edited by CoffeeMiloTea: Nov 22 2025, 06:41 PM
ideaplus
post Nov 22 2025, 06:54 PM

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QUOTE(CoffeeMiloTea @ Nov 22 2025, 06:39 PM)
Thanks. I believe could be similar to RHB shell card. To be honest the benefit is too good to be true. I just provided hardcopy of all the requested do documents. Given that how ‘fast’ they process the application I believe most likely mine will not be looked at after all. Somehow I feel that it’s a good news. I have already identified another replacement though not as good as this one but it’s good enough for my monthly usage and I can maximise the cashback even though I do not use the card for physical payment. Thanks for sharing. This is indeed a good news so that I can stop following up and just hope they don’t process my application.
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Can I DM you about the replacement?
jutamind
post Nov 22 2025, 08:24 PM

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My Muamalat EON card statement date is 15 Nov and until now, I can't download/view e-statement from online banking or mobile apps. Neither do I get any email statement as well. It's already 22 Nov but still no statement, how to check whether got cashback or not as the transaction summary doesn't show cashback

QUOTE(kslim888 @ Nov 22 2025, 03:08 AM)
Maybe you need to pay attention to the Bank Muamalat statement to see whether cashback is credited or not. I suspect in December statement (15th) they will also not credit the cashback. I've missed 2 months (October and November) cashback for my Muamalat Pos Malaysia Visa Infinite-i.

There is also another user reported that his EON Muamalat not receiving cashback

https://forum.lowyat.net/index.php?showtopi...ost&p=112393086

https://forum.lowyat.net/index.php?showtopi...ost&p=112393115
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blibala
post Nov 22 2025, 08:35 PM

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QUOTE(jutamind @ Nov 22 2025, 08:24 PM)
My Muamalat EON card statement date is 15 Nov and until now, I can't download/view e-statement from online banking or mobile apps. Neither do I get any email statement as well. It's already 22 Nov but still no statement, how to check whether got cashback or not as the transaction summary doesn't show cashback
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Same here.. Can see the spending in app but cant download statement. Statement date suppose to be 15th. No CB received so far. So stop spending now.. Their web and app interface really bad.

This post has been edited by blibala: Nov 22 2025, 08:35 PM
kslim888
post Nov 23 2025, 01:54 AM

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QUOTE(jutamind @ Nov 22 2025, 08:24 PM)
My Muamalat EON card statement date is 15 Nov and until now, I can't download/view e-statement from online banking or mobile apps. Neither do I get any email statement as well. It's already 22 Nov but still no statement, how to check whether got cashback or not as the transaction summary doesn't show cashback
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QUOTE(blibala @ Nov 22 2025, 08:35 PM)
Same here.. Can see the spending in app but cant download statement. Statement date suppose to be 15th. No CB received so far. So stop spending now.. Their web and app interface really bad.
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I have the same situation too for my September statement. For me, I tried to give them a call and ask them to send me the missing month's statement (In this case would be September). The CS also confused why I called and asked to send a statement, and I explained that I don't even have a statement generated at their online banking website

I think their system cannot cater for new card users, hence they cannot automatically generate a statement for you (yet). Not until some Staff from the Bank manually key in you as a new card user. That's what I assume.

This post has been edited by kslim888: Nov 23 2025, 01:56 AM

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