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Credit Cards RHB Credit Card, Open discussion/frustration with RHB CC

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mamamia
post Jul 11 2025, 11:27 AM

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QUOTE(jasontoh @ Jul 9 2025, 03:40 PM)
Just keep the card for BT
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is there any early settlement penalty for RHB BT?


QUOTE(contestchris @ Jul 11 2025, 09:09 AM)
As much as I want to cut it, I still need to spend RM1k per month to maximize the RHB Smart bonus interest rates, at least until the end of the year.
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oh no, i forgot about this... so, die die need to spend...
mamamia
post Jul 11 2025, 01:47 PM

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QUOTE(cybpsych @ Jul 11 2025, 11:33 AM)
maybe get other rhb cards that better suit your spending
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i c all other RHB card also have tier spending requirement. Unless other cards allow BT installment as filler spend, otherwise, the effective rate are more or less the same...

So, maybe i just top up 1000 to ewallet for RM10 cb...
mamamia
post Jul 17 2025, 11:19 AM

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QUOTE(sjz @ Jul 17 2025, 09:18 AM)
based on t&c example, yes.
no need to spend 3k.
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can u share where shown no need.. coz i only see 1 example where the final statement amount is above 3k
mamamia
post Jul 17 2025, 12:07 PM

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QUOTE(Kr0ll3R @ Jul 17 2025, 11:39 AM)
FAQ
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ya, based on FAQ only mentioned transaction posted b4 28th July is using existing benefits to calculate cashback, but, the example given shown statement spend is above 3k, total eligible spend also above 3k, so, really hit n miss, didnt clearly stated if below 3k, those transaction posted b4 28th July still can get the highest tier cb, since the spending requirement is based on statement month... maybe will be like PBB, need to argue to get...
mamamia
post Jul 17 2025, 12:11 PM

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QUOTE(ClarenceT @ Jul 17 2025, 12:09 PM)
Spend +RM500 after 28/7 (so monthly spend >RM3000). Nothing to lose.
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current feature only spend 1000 online + 420 shell to get RM100 cb, balance 1080 is from BT installment..

so, if new feature, need to spend additional 1580, not 500 blush.gif
mamamia
post Jul 18 2025, 09:32 AM

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QUOTE(zairejerry88 @ Jul 17 2025, 08:38 PM)
i didnt know that BT installement is considered as retail spending.. you confirm about this?
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yes, have been getting full cashback with 1420 spending with BT installment as filler spend, that's y new feature revised and specially spell out BT no longer treated as retail spending...
mamamia
post Jul 27 2025, 02:36 PM

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QUOTE(contestchris @ Jul 25 2025, 09:53 AM)
I received CB as expected for my RHB Shell Visa (statement date = 24th of the month).
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QUOTE(eeeglow24 @ Jul 27 2025, 11:15 AM)
statement on 26th just came.

Can confirm no cashback credited.

Will call them tomorrow just to file a case although I think all said 30th will credit.

Anyways, just for safe side still log case.
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QUOTE(ronnie @ Jul 27 2025, 12:20 PM)
So far RHB said 22nd, 24th, 26th cycle kena no cash back

I guess they want you to be a card holder longer since most will cancel due to the lousy cash back
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22nd and 26th statement date no cashback. Surprisingly, 24th contestchris got his cb..
mamamia
post Aug 29 2025, 04:10 PM

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QUOTE(ronnie @ Aug 29 2025, 08:05 AM)
My statement date = 26th every month

From 26-Aug to 07-Sep posted spends under which cash back scheme : Old or New ?
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assume the FAQ still valid despite they didnt update the date, should follow old cashback scheme for transaction posted before 8 Sep, n should be able to double dip for transaction posted between 8 - 25 Sep with new scheme, ie. can get more than RM100 cashback.
mamamia
post Sep 16 2025, 01:43 PM

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QUOTE(charlene128 @ Sep 15 2025, 02:16 PM)
I only received cashback bonus & petrol for my statement date on 12th.
I had spent extra 250 for utilities & 500 for online/ewallet after 8th but did not receive additional cashback 10+10.
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I guess u can appeal to them.
mamamia
post Sep 16 2025, 01:49 PM

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QUOTE(ClarenceT @ Sep 15 2025, 02:53 PM)
I assume.
Less than RM1000 then no CB.
Need to spend >RM1000 but if <RM2000, then utilities 1% and ewallet 1%
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QUOTE(lovelyuser @ Sep 15 2025, 11:04 PM)
Means the monthly total spend for after 8th Sept cannot include spending before 8th?
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If based on the FAQ example, he suppose to get the extra RM10 + RM10 for utilities + ewallet. So, maybe is the system not ready again which he need to appeal.
mamamia
post Sep 18 2025, 12:00 PM

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QUOTE(charlene128 @ Sep 16 2025, 07:49 PM)
Ok, will try to appeal & see how they respond
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do update us after u call up to CS..
mamamia
post Sep 19 2025, 12:28 PM

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QUOTE(JuneResources @ Sep 18 2025, 06:11 PM)
Hi, wanna to ask about RHB Shell card.

I see that the local utilities spend min RM250 to get cash back of RM10 (max) per category.

So is that means local utilities spend 1 time must RM250? OR can accumulative spend example like RM100 (Electric) and RM150 (telco bill) with total up RM250 spend?

Thank you.
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accumulated spend

QUOTE(sjz @ Sep 19 2025, 09:37 AM)
cn share if got any update on the reports to CS for missing CB.

(not getting CB for new CB t&c in the same statement, only gotten CB of previous CB t&c)
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have u report too?
mamamia
post Sep 29 2025, 11:16 AM

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QUOTE(ronnie @ Sep 27 2025, 03:18 PM)
Statement date : 26th
No rebates received at all (new nor old system)

Is this the same with everyone ?
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I've cashback, but, the cashback is very minimal, dunno how they count.. I am expecting RM50 petrol + RM50 bonus for old feature + RM10 ewallet+RM10 utilities+RM30 petrol new feature for new feature, but i only get the below, no matter how i count, none of the cashback i can match for either old / new rate based on my spending amount.

26 Sep 26 Sep CASHBACK PETROL 2.44 CR
26 Sep 26 Sep CASHBACK UTILITIES 3.00 CR
26 Sep 26 Sep CASHBACK ONLINE 6.71 CR
mamamia
post Sep 29 2025, 02:20 PM

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QUOTE(asiatrader98 @ Sep 29 2025, 01:40 PM)
i think something is not right with the system
after 22nd aug i have my CB then only 29th aug i only used the card until 7th sep for the new rate system, since the new rate start from 9th sep. In between, I didn't have any petrol transcation until 13rd sep.
But on 22th sep I have the CB on petro i.e. RM4.3 for that petrol transcation on 13rd sep  i.e. RM35.85.
Seems like the system still follow the old rate system. Firstly, I still have my CB on 22th and secondly, if is it the new rate system, how come I have my CB after 9th sep for petro? So now how shall I spend the card with the old or new rate?
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new rate is effective 8 Sep, and it is based on posting date n not transaction date.

For now, it is definitely based on new rate system.

My islamic card with statement date of 22 Sep still getting RM50+ RM50 for old rate on 22 Sep, missing cb for new rate system for spending posted after 8th, lodge report and still waiting for RHB update.

This post has been edited by mamamia: Sep 29 2025, 02:20 PM
mamamia
post Oct 7 2025, 02:20 PM

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QUOTE(sjz @ Oct 6 2025, 08:03 PM)
still haven't receive 26th statement cashback
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my last follow up with them on 3 Oct mentioned they will need to do manual calculation, will be credited within 2 weeks. hope they fulfill the timeline given...
mamamia
post Nov 11 2025, 10:53 PM

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QUOTE(songokujames @ Nov 11 2025, 05:23 PM)
Dear Mr xxx, salam sejahtera

We are pleased to inform you that the cashback adjustment has been successfully applied to your credit card account as of 10 November 2025.

Kindly refer to your upcoming credit card statement for details of the adjustment.

We trust this addresses your inquiry. Should you have any further questions or require additional clarification, please do not hesitate to reach out to us.

Thank you, and we wish you a pleasant day ahead.

Yours sincerely,

For RHB Bank Berhad
Wait for 1 week after I write them an email
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May I know which email u wrote to? I lodge case via live chat since Sep till now still no update.

mamamia
post Nov 18 2025, 06:18 PM

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QUOTE(sjz @ Nov 18 2025, 12:05 PM)
you haven't get yours Sept missing cb yet?
a few including mine already get
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I also haven’t, ytd only email to advocacy with the report ID that I raised in September via live chat. But, I haven’t complaint to BNM yet
mamamia
post Nov 20 2025, 10:28 AM

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After email to advocacy, finally received the correct missing cashback for RHB Shell n Shell-i Sep25 month

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