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

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cybpsych
post Apr 23 2021, 10:06 AM

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QUOTE(fruitie @ Apr 23 2021, 10:00 AM)
Got Activation Cash Back of RM 25 on 21st April but what is this "Cash Back Other" RM 1? Don't tell me it is the 10% cash back? shocking.gif I spent RM 1k...
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could be the 0.2%?

RM1 cashback = RM500 spending <-- tng ewallet?
cybpsych
post Apr 23 2021, 10:16 AM

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QUOTE(fruitie @ Apr 23 2021, 10:08 AM)
Yeah, you are right! But I still got RM 50 cash back? I only spent exact RM 2.5k.
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should be getting the cb if transactions eligible biggrin.gif

what else did you spend beside tng ewallet?

statement date not yet reached?
cybpsych
post Apr 23 2021, 10:53 AM

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QUOTE(fruitie @ Apr 23 2021, 10:42 AM)
Statement date is 22nd though.

My transactions as below:
» Click to show Spoiler - click again to hide... «

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correcto, total spending rm2.5k to hit 5% bonus tier: rm50 bonus cb (online/ewallet) + RM1 for others 0.2% cb

FYI, others cb is unlimited actually
cybpsych
post Apr 23 2021, 10:56 AM

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QUOTE(fruitie @ Apr 23 2021, 10:55 AM)
Oh, so that RM 2.5k doesn't need to be categories specific? In this case, I will assume I spent RM 2k for online/ewallet and RM 500 on others?
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yep

mine RM50 bonus + RM48/50 shell with just total spending RM2.5k per card
cybpsych
post Apr 23 2021, 10:59 AM

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QUOTE(fruitie @ Apr 23 2021, 10:57 AM)
That TnG e-Wallet is still parked under online, in this case? unsure.gif
I think I need to inform my friend in TnG to look into MCC issue. It is affecting CC CB, though in this case like an advantage to RHB. laugh.gif
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MCC is eligible, suspect is the description that is the culprit since the T&C spelled out the exact description that is "acceptable" doh.gif
cybpsych
post Apr 23 2021, 11:15 AM

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QUOTE(fruitie @ Apr 23 2021, 11:03 AM)
I thought MCC is toll or something?
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yep, mcc 4784 is eligible

user posted image



your transactions not impacted since you have other online/ewallets to contribute the RM50 bonus cashback.

other ppl with majority/exclusive spending at TNG ewallet would get shocked
cybpsych
post Apr 23 2021, 11:37 AM

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QUOTE(fruitie @ Apr 23 2021, 11:25 AM)
OK, in this case, were you saying MCC is correct but description is wrong? I didn't know description is also playing a role here.
Can you explain more? I'm asking my friend in TnG to check internally.
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guessing now, since one user here already didnt get bonus cb for the new tng "wallet" description.

that means, likelihood RHB is validating both description + mcc.

to add more complication, it seems tng "wallet" also not identified as Online for bonus cashback.

so, i'm also guessing RHB got a funny way to check txn eligibility: MCC > category > description


this may cause tng "wallet" MCC to be grouped first, hence not under "Online"; but then it didnt match description.


Online Spend
Online Spend MCCs under e-Commerce mode. E-Commerce transaction definition means ‘Transaction Mode = M, D, S and U”

(*No duplicate of Cash Back will be awarded if the transactions also fall into above Top Up eWallet & Grocery MCC)


This post has been edited by cybpsych: Apr 23 2021, 11:37 AM
cybpsych
post Apr 23 2021, 12:00 PM

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QUOTE(fruitie @ Apr 23 2021, 11:45 AM)
sweat.gif  sweat.gif I don't think my friend will understand then... sweat.gif

Never mind, I asked him to look into the MCC why now under Toll and Bridge fees. tongue.gif
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yeah cuz their (new) acquirer bank gotta understand TNG DIGITAL's business and assign it properly.

seems the bank assign toll mcc because of thinking TNG = tng card/rfid/toll business nature haha

i guess TNG Digital didnt justify it properly that this is ewallet/digital service provider, not toll service provider
cybpsych
post Apr 23 2021, 12:42 PM

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QUOTE(mamamia @ Apr 23 2021, 12:35 PM)
If can't earn ewallet cashback meaning the E-Wallet Top Up Campaign 2021 also will be affected...

Like that really susah... need to avoid TnG ewallet for the top up campaign as well..  doh.gif
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no idea

who knows, different staff handle the campaign vs card cashback can define the T&Cs differently

This post has been edited by cybpsych: Apr 23 2021, 12:44 PM
cybpsych
post Apr 23 2021, 07:30 PM

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QUOTE(sg999 @ Apr 23 2021, 07:07 PM)
CASH BACK OTHER
1.10

Anynone have idea what is this cash back?
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Others 0.2%


This post has been edited by cybpsych: Apr 23 2021, 07:30 PM
cybpsych
post Apr 25 2021, 09:19 PM

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QUOTE(contestchris @ Apr 25 2021, 09:08 PM)
Just got my first statement.

There is cashback for the following:

Petrol
Bonus
Other

I understand petrol cashback (tallies with my calculation), but how to calculate Bonus and Other cashback?

Also, what about the campaign cashback cause they don't seem to be here (like activate new card, 10% cashback to RM100, Shell cashback campaign etc)?

Thanks!
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Definitions: https://www.rhbgroup.com/shellcard/files/RH...TC_FV-CLEAN.pdf

Campaign cashbacks are separately-granted, NOT card features whereby credited automatically on statement date

user posted image

This post has been edited by cybpsych: Apr 25 2021, 09:21 PM
cybpsych
post May 3 2021, 08:41 PM

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new portal >> https://onlinebanking.rhbgroup.com/my/login

user posted image
cybpsych
post May 4 2021, 10:53 AM

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QUOTE(contestchris @ May 4 2021, 10:52 AM)
How to view credit card statement on website? At the moment I get via email
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either one channel: email or rhb portal
cybpsych
post May 4 2021, 11:01 AM

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QUOTE(contestchris @ May 4 2021, 11:00 AM)
Any reason?

Also, how do I change to the online banking rather than email?
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logon to rhb online portal, under My Account section
cybpsych
post May 6 2021, 10:20 AM

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QUOTE(contestchris @ May 6 2021, 10:13 AM)
When are all the additional cashback for signip campaign and she'll campaign credited usually?
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activation
// 12. The cash back under this Campaign will be credited into the Eligible Cardholder’s RHB Cards account
within four (4) to six (6) weeks from the end of the Campaign Period. The Eligible Cardholder will
receive notification of the cash back, if any, through the respective RHB Cards monthly statement that
follows the date of the crediting of the cash back. //


shell 18%
// 13. The cash back under this Campaign will be credited into the Eligible Applicant’s RHB Card account
within four (4) to eight (8) weeks from the end of the Campaign Period. The Eligible Applicant will
receive notification of the cash back, if any, through the respective RHB Cards monthly statement that
follows the date of the crediting of the cash back. //

cybpsych
post May 16 2021, 09:47 PM

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QUOTE(contestchris @ May 16 2021, 09:44 PM)
Is using epay for insurance premium payment or to pay condo management fees online considered as “online spend”?
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condo has online portal to checkout payment?

what payment gateway does it use? can post the description here?
cybpsych
post May 16 2021, 09:52 PM

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QUOTE(contestchris @ May 16 2021, 09:50 PM)
Using the condomaster system
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only way to confirm is test yourself with small amount

razer merchant services (razer gateway) is online

This post has been edited by cybpsych: May 16 2021, 09:53 PM
cybpsych
post May 17 2021, 06:12 AM

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QUOTE(contestchris @ May 16 2021, 09:58 PM)
Alright awesome, thanks!

I’m just worried, are the RHB Shell Visa benefit considered too good, in terms of the cash back? And is there a risk of RHB clamping down on the cash back amounts?
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just use and maximize the benefits

one bank reduce benefits, another may sprung up with new benefits too
cybpsych
post May 19 2021, 10:32 AM

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QUOTE(naruko85 @ May 19 2021, 10:29 AM)
hi, want to ask the cashback for RHB Shell Visa Credit Card, is credit automatically or need redeem? and cashback period follow statement date or 1st to 31st of every month? thank you
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auto, credited on statement date

cashback on statement cycle (with txn posting T-1 day)
cybpsych
post May 19 2021, 10:36 AM

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QUOTE(naruko85 @ May 19 2021, 10:35 AM)
i see, then similar with pbb quantum cards right? because i m planning to switch from the SCB JOP to RHB shell card
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almost similar to pb quantum except posting can be on statement date, still can get cashback on that statement cycle.

rhb and affin, txn posting must be T-1 day from statement date. it would fall to next statemetn cycle.

This post has been edited by cybpsych: May 19 2021, 10:37 AM

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