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

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sg8989
post Aug 25 2025, 08:24 PM

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9 sep new tnc follow transaction or statement date? for last round cb.

Statement after 8 sep all cannot get RM100?

This post has been edited by sg8989: Aug 25 2025, 08:33 PM
victorywp
post Aug 25 2025, 10:22 PM

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QUOTE(cybpsych @ Aug 24 2025, 07:59 PM)
stateemnt portion, they didnt change it. treat it as marketing banner. it may not be updated/relevant anymore.

deferrment notice on 28 July 2025 already stated initial notice already deferred until further notice.
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Yeah.

QUOTE(lovelyuser @ Aug 24 2025, 08:28 PM)
https://www.rhbgroup.com/-/media/Files/othe...H20250728-1.pdf

The memo here already mentioned until further notice...stay calm, no fret... keep track of this topic, any new update some member will post here, sometimes even faster than RHB official....
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Lol faster than rhb means they are the rhb insiders.

QUOTE(lovelyuser @ Aug 24 2025, 09:57 PM)
It's a change of benefit, not penalty or fine or charge or any harmful clauses to users. Benefit change then we reassess if worth to stay, if not we cancel and move on, look for other cards with better benefit, and RHB will feel the pinch. That's how things work...

Aiyo....why so worry? I never thought until this extend ler...
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Yeah, I already signed up affin duo immediately after the enhancement announcement back in july.
jutamind
post Aug 26 2025, 12:22 AM

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With this revised benefits, I think this card is good for petrol and overseas spend only
Skeuomorphic
post Aug 26 2025, 06:56 AM

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new t&c with 8 september effective date is now available
ANNOUNCEMENT: Enhanced Benefits for the RHB Shell Visa Credit Card/-i effective 8 September 2025

user posted image

This post has been edited by Skeuomorphic: Aug 26 2025, 07:14 AM
Duckies
post Aug 26 2025, 07:43 AM

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Time for one last spending before the new revise rate
contestchris
post Aug 26 2025, 08:40 AM

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Time for one last hurrah!
rko0504
post Aug 26 2025, 09:04 AM

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QUOTE(Skeuomorphic @ Aug 26 2025, 06:56 AM)
Didn't expect for it so fast laugh.gif
MGM
post Aug 26 2025, 10:28 AM

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QUOTE(beLIEve @ Aug 25 2025, 02:25 PM)
New rev don't have link to FA-Q that allows overlapping of cashback T&C. Meaning that, any ewallet reload after Sept 8 will not give you additional $10 if you already earned $50 before Sept 8.
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My next statement date is 15-Sept, so for the period of 16Aug to 15Sept, would it be using the old or new formula?
I think new t&c didnt mentioned about treatment on txns b4 & after 8Sept.

beLIEve
post Aug 26 2025, 10:52 AM

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QUOTE(MGM @ Aug 26 2025, 10:28 AM)
I think new t&c  didnt mentioned about treatment on txns b4 & after 8Sept.
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i assume their system cannot cater for such setup. That's why they postponed the implementation.
Barricade
post Aug 26 2025, 10:53 AM

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QUOTE(jutamind @ Aug 26 2025, 12:22 AM)
With this revised benefits, I think this card is good for petrol and overseas spend only
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Nah I’ll cancel it due to the complication of spending. Petrol I can use UOB One Card and CIMB Petronas.
MGM
post Aug 26 2025, 11:38 AM

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QUOTE(beLIEve @ Aug 26 2025, 10:52 AM)
i assume their system cannot cater for such setup. That's why they postponed the implementation.
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The revised TNC also has the FAQ but using previous dates.

user posted image
Barricade
post Aug 26 2025, 12:33 PM

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One thing I don’t understand is, why put 5% for groceries, local spend, e-wallet when it will never achieve 5% since it’s capped at RM10? Isn’t that misleading or my understanding is wrong?
cybpsych
post Aug 26 2025, 01:40 PM

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QUOTE(Barricade @ Aug 26 2025, 12:33 PM)
One thing I don’t understand is, why put 5% for groceries, local spend, e-wallet when it will never achieve 5% since it’s capped at RM10? Isn’t that misleading or my understanding is wrong?
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5% = qualifier

cb = how much you can earn. this is also used to cap their risk exposure, and spread the cb for other users.

it get more ridiculous with the increment of spending tier. laugh.gif
lovelyuser
post Aug 26 2025, 01:56 PM

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Can complaint to BNM for misleading marketing campaign

QUOTE(Barricade @ Aug 26 2025, 12:33 PM)
One thing I don’t understand is, why put 5% for groceries, local spend, e-wallet when it will never achieve 5% since it’s capped at RM10? Isn’t that misleading or my understanding is wrong?
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sjz
post Aug 26 2025, 02:36 PM

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QUOTE(Barricade @ Aug 26 2025, 12:33 PM)
One thing I don’t understand is, why put 5% for groceries, local spend, e-wallet when it will never achieve 5% since it’s capped at RM10? Isn’t that misleading or my understanding is wrong?
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i think they learn from overseas bank like SC.
they always doing this,
for eg min spend RM2.5k to get 15% CB but cap RM40.

somehow is a grey area.

This post has been edited by sjz: Aug 26 2025, 02:37 PM
contestchris
post Aug 26 2025, 02:55 PM

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QUOTE(Barricade @ Aug 26 2025, 12:33 PM)
One thing I don’t understand is, why put 5% for groceries, local spend, e-wallet when it will never achieve 5% since it’s capped at RM10? Isn’t that misleading or my understanding is wrong?
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It is misleading and I would urge you to complain to BNM too. It’s like shitty Shopee coupons, 95% off capped at RM1
contestchris
post Aug 26 2025, 02:56 PM

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QUOTE(sjz @ Aug 26 2025, 02:36 PM)
i think they learn from overseas bank like SC.
they always doing this,
for eg min spend RM2.5k to get 15% CB but cap RM40.

somehow is a grey area.
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That is not so bad, even previous RHB Shell got minimum spend qualifier.

The updated card now also has minimum spend qualifier PER CATEGORY, which is the issue


jasontoh
post Aug 26 2025, 03:02 PM

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QUOTE(contestchris @ Aug 26 2025, 02:56 PM)
That is not so bad, even previous RHB Shell got minimum spend qualifier.

The updated card now also has minimum spend qualifier PER CATEGORY, which is the issue
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Exactly this
asiatrader98
post Aug 26 2025, 03:13 PM

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QUOTE(lkwah86 @ Aug 25 2025, 06:26 PM)
I think is follow statement date, if statement date falls on/after 8th Sept, it will using the new system
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then, those spending after 22/8 and before 8th sep ....still with old Cash Back rate to be claim?
victorian
post Aug 26 2025, 03:40 PM

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QUOTE(Barricade @ Aug 26 2025, 12:33 PM)
One thing I don’t understand is, why put 5% for groceries, local spend, e-wallet when it will never achieve 5% since it’s capped at RM10? Isn’t that misleading or my understanding is wrong?
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The cap is still valid at other tier, i.e if your eligible spend is 1k and you spent RM250 on eWallet, you will get RM2.5 which is still below the max cap of RM10 CB.

Doesn't invalidate the fact that this card is shitty tho

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