Yes, honestly by far RHB is the most backwards bank in Malaysia (compared to those I have used - Maybank, CIMB, OCBC, HLB, PBB and Affin).

The only thing is, for me, I already had a housing loan with RHB, so I already had to set OTP etc when completing the loan account opening process. And yes, I recall I kena need to prove the number for OTP was mine. Was a bit troublesome then as I was under a shareline at the time and need to write official letter to say it is me using the number.


DESPITE THAT, despite being an existing customer, I have to go to bank and physically pick up the card. Walao weh, even HLB, CIMB, HSBC, Citibank, Standard Chartered which I don't have any prior accounts with, they send to the house lah!

I've never needed to jump through so many hoops just to open a damn account.

Luckily for me, once all the above done, RHB Smart Account is easy, everything just do online, as it will use the credentials from your existing savings account with RHB.

RHB Shell Visa and RHB Smart Account are both "best in class" in terms of benefits, but really very leceh the way they do things one.

This post has been edited by contestchris: May 10 2022, 04:36 PM

Capped at 2.85% max. And yes, if you hit 1% column, you don’t need two 0.5% column contribution (as was originally the case). But this promo is limited, check when is ending.

There shouldn't be a distinction between Available Limit and Available Credit though. No one even understands how Available Credit is computed.

No other credit card I've used in Malaysia does this (not HLB, Citibank etc).

Report to Bank Negara if you genuinely apply one card but they pandai pandai apply two for you (unless it is a case where the cards memang come in a pair). Last time when I apply housing loan they pandai pandai apply and send me two cards,when I expressly said I didn’t want and I didn’t even sign the form. The banker eventually kena from Bank Negara and I got an apology.

This post has been edited by contestchris: Jun 24 2022, 12:43 AM

Should be. I believe any online payment will be entitled for the 5% CB (capped at RM50, subject to min spend RM2,500). So far I've used the card more than a year, never noticed any online payment not included (except if it is government-related payment). I pay my life and medical insurance online, no issue getting cashback.

Guys, does TNB auto-billing fall under utilities spend (MCC 4900)?

Posting in credit card statement as follows:

TNB-(RPS) xxxxxxxxxxxx KUALA LUMPUR MY

I'm trying to reconcile my "bonus" cashback for the month but the amount is off, which matches the TNB bill amount.

Charged and reversed on same day automatically

Just an update for the benefit of everyone. TNB auto billing is classified as MCC 5968 (which is NOT considered Utilities spend for the RHB Shell Visa card).

"With regards to your concern, please be informed your merchant category code for TNB is 5968."

Posting in credit card statement as follows:

TNB-(RPS) xxxxxxxxxxxx KUALA LUMPUR MY



This post has been edited by contestchris: Jun 27 2022, 08:19 PM

Yes, TNB online bill payment (through app / website) will get cashback.

I've noticed that my "Others" cashback has been slightly higher than I should be getting recently. Anybody else the same?

Hahaha but not much also, just like 20 sen or 30 sen extra.

It takes a few weeks. My transaction in February only reflected in April.

Anyone else's name/card no./cvv/exp date has faded off on the RHB Shell Visa credit card? Mine is all completely gone. Such a shame cause it looked rather good. None of my other debit/credit cards have had this issue.

Anybody received zero cashback for latest Shell visa monthly statement?

Completely forgot to pay my assessment tax at midnight with the RM200-10 "Everyday Deal" promo. I just paid at 10am, do you think still have chance? Per day only 200 pax.

It's been a week and the cashback is still not in...zero cashback completely.

This is for the normal monthly cashback yea

Is it resolved? RHB still giving me the run around.

My recent Great Eastern payments through eConnect are no longer considered online spend (note, I did not save my card and this is not auto-billing). They fall under "other" category with MCC of 6300 according to RHB Secure Mail enquiry.

Transaction posted as:

GreatEasternXXXXXXXXXXX KUALA LUMPUR MY

In the past, the transaction details does mention "EPAY" if I'm not mistaken. Could it be due to this? > https://www.lowyat.net/2022/270703/epay-shu...d-bill-payment/

Can you confirm your direct payment on eConnect still considered online spend?

This post has been edited by contestchris: Aug 11 2022, 03:19 PM

I actually just saw this on FB ad. Why invalid campaign? The site and T&Cs seem valid, no?

Something to note: The daily campaign cashback capping will be refreshed at 12.00pm.

Also, this seems to have started at 7th July 2022, but they only publicising it now?

This post has been edited by contestchris: Aug 12 2022, 12:56 AM