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

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contestchris
post Aug 16 2022, 09:07 PM

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QUOTE(ClarenceT @ Aug 16 2022, 06:08 PM)
Just received the SMS from RHB. I managed to win at 7:51am. smile.gif
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Congrats, didn't win then. Damn!
contestchris
post Aug 17 2022, 05:13 PM

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QUOTE(vkashin @ Aug 17 2022, 04:53 PM)
*not sure if it's been asked here already (tried search function but no relevant results) - in case there are solutions i would appreciate a link to said post. TQ*

i have been having worsening problem of card lamination peeling off for the RHB Shell Visa card since the first 2 months of using the card. are there any effective way to fix this? TQ
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RHB Shell Visa card is by far the lowest quality credit/debit card I've received. All the ink has peeled off. And yes, the laminating layer is starting to come off too.
contestchris
post Aug 19 2022, 02:38 PM

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QUOTE(jerantut2011 @ Aug 19 2022, 02:08 PM)
Hi wondering if anyone has heard of this RHB Campaign offering up to RM 80 per day per credit & debit card? (Total RM 80 x 2 = RM 160 per day)

https://www.rhbgroup.com/2022_eCommerce/fil...mm_Jul-Sept.PDF

RM0 RHB Cards/-i: Enjoy up to RM9,920 cashback with every RM200 spent online or when you top up your e-wallets by 7Sept22. T&C apply at rhbgroup.com/s/OE1

I called RHB who confirmed that it is a genuine campaign. However, based on previous campaigns, the daily quota is likely to finish in one or two minutes each time when the daily allowance is renewed at 12pm Malaysian time.
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Is it finished in minutes or seconds?

I did yesterday, online transaction of RM250, OTP generation timestamp of 12:00:02 (i.e. 2 seconds after 12 noon). Key in 6 digits within another 5 seconds and transaction went through. Is the timing based on the OTP generation timestamp, or based on completed transaction timing (i.e. AFTER inputting 6 digit OTP)?

Based on T&C, for credit card, limit to first 168 people per day. Based on past experience, how soon will the quota run out?

Also, can I confirm the cashback pool refreshes at 12 NOON, rather than 12 MIDNIGHT?

This post has been edited by contestchris: Aug 19 2022, 02:40 PM
contestchris
post Aug 19 2022, 03:15 PM

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QUOTE(jerantut2011 @ Aug 19 2022, 03:11 PM)
The terms and conditions say that the daily cap will be refreshed at 12.00pm

The TAC generation doesn't mean the completion of a transaction. I would think that a transaction is only marked as completed when the TAC is successfully entered.

The promotion is limited to RM 3360 for credit cards and RM 2240 for debit cards each day. (Each customer can win RM 80 maximum per day if daily spend is RM 800 cumulatively)

If 42 customers swipe RM 800 each early enough, then they will win all the RM 3360 available for that particular day.

This is because RHB will award the Cashback to customers with the higher spends in the event of a tie
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Yes, 12pm means 12 noon or 12 midnight?

Yeah of course 42 customers could conquer it all, I should say it is limited to the first 168 TRANSACTIONS.
contestchris
post Aug 19 2022, 03:34 PM

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QUOTE(jerantut2011 @ Aug 19 2022, 03:22 PM)
Thank you.
But 42 customers could finish the daily credit card quota with just 42 transactions of at least RM 800 each.

The Cashback is indeed limited to first 168 cumulative spend of RM 200.

Each RM 200 earns RM 20 Cashback regardless of how many customers or how much they swipe
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Damn, I missed that. Thought it was capped at RM20 per transaction, but max 4 transactions per person.

user posted image

Especially how RHB in their example also shows 4 separate transactions.
contestchris
post Aug 22 2022, 05:39 PM

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Guys, all those who didn't get the "normal" cashback (BONUS/OTHERS/PETROL) for last month statements, has the situation been rectified for you?
contestchris
post Aug 25 2022, 10:01 AM

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My July hiccup has been rectified. Statement date is 24th of every month. The July cashback was posted together with my August cashback.

I actually wrote a strongly worded email to RHB customer ADVOCACY, not sure if that helps. Cause too often their cashback got one issue or another. I made them calculate the cashback owed, and they said they will credit with the August cashback. Everything tallies.

This post has been edited by contestchris: Aug 25 2022, 10:01 AM
contestchris
post Sep 3 2022, 09:03 AM

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QUOTE(ineser @ Sep 3 2022, 07:35 AM)
May I check anyone able to view Shell credit card thru the app for unbilled portion?
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No.
contestchris
post Sep 6 2022, 12:30 AM

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QUOTE(joice11 @ Sep 4 2022, 04:39 PM)
anyone trying to pay by auto debit for insurans and get cashback under "others" cause i need to do auto debit for insurans about 2k monthly but since most of other cc exclude auto debit, think of using rhb shell under "others" 0.2 % cash back, better then noting.
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Look into Affin Duo (Visa), 3% cashback on autodebit, the only such card in Malaysia I believe. Easy money.
contestchris
post Sep 29 2022, 07:30 PM

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QUOTE(lovelyuser @ Sep 29 2022, 05:52 PM)
I didn't call in and check with CS, I read their terms on condition on official website.

If it's calendar month cycle, we should get our cash back early of the month, just like MBB Amex.

Spend RM 420 on Shell Petrol is easy now, if RON 95 cannot achieve, then pump partial with RON 97

Remaining RM 2080 just load any ewallet, gaotim!
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Bruh I hope you know TnG card topup on certain Shell stations also can get the 12%
contestchris
post Sep 30 2022, 12:49 PM

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Has anyone participated in RHB's 6-mth 0% DAI2 program? Is it legit 0% interest, any hidden fees?

Thanks!

This post has been edited by contestchris: Sep 30 2022, 12:50 PM
contestchris
post Oct 12 2022, 09:04 AM

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QUOTE(poweredbydiscuz @ Oct 12 2022, 08:31 AM)
Recently I noticed that my available limit shown on the apps is dropping every day (like rm1/day) even though I didn't use the card for a week and all transactions already been posted.

Called CS and they said it was due to the "interest" calculated from the outstanding balance. Apparently, they lock the limit first for possible interest in case we don't pay the balance next month.

Now only I understand the confusing difference between "available limit" and "available credit" for rhb cc.
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Totally nonsensical...
contestchris
post Nov 8 2022, 09:56 AM

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QUOTE(lovelyuser @ Nov 8 2022, 09:50 AM)
Called in RHB CS just now, all winners should receive cashback on last week, and I got none! Anyone in the forum won any from this campaign?
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Nil
contestchris
post Nov 9 2022, 10:49 AM

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Nothing for me
contestchris
post Nov 25 2022, 02:17 AM

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QUOTE(!@#$%^ @ Nov 25 2022, 02:15 AM)
anybody didn't receive cashback for rhb shell in november?
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My statement date 24th, I can usually see cashback credited on 25th morning. So I can only tell you in a few hours time.

When's your statement date?
contestchris
post Nov 25 2022, 12:59 PM

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QUOTE(terencehihi @ Nov 25 2022, 09:45 AM)
Hi Bro, when we will receive the rhb shell card statement ?
I saw the transaction history edi has the cashback, but i still din receive any statement from my email and no statement found from the rhb account.

user posted image

user posted image
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RHB will take 3 or 4 days, not sure why so inefficient. Both email and online, same case.
contestchris
post Nov 25 2022, 07:51 PM

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I just had two unauthorised transactions on my RHB Shell Visa card.

RM0.00 Google*Temporary Hold
RM100.00 Google*ADS3629937781

Called RHB CS right away. They said card will be blocked, new card sent to my home address within 7 working days, and they will file a dispute. As a temporary measure, they will credit RM100 to offset the freafulent charge. They said the whole issue should be resolved within 25 days. If the transaction was indeed fraudulent, Google will issue a refund.

Has this happened to anyone here before with this card? How easy was it to get the fraudulent transaction reversed and get back your money? First time something like this has happened to me, I'm usually very careful and never save card details except on Shopee and Lazada.
contestchris
post Nov 28 2022, 04:01 PM

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QUOTE(blackseed202 @ Nov 28 2022, 02:58 PM)
Does tngo top up in shell counter using rhb shell considered spending in the cashback?
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Yes
contestchris
post Nov 29 2022, 03:46 PM

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QUOTE(ClarenceT @ Nov 25 2022, 08:09 PM)
https://www.rhbgroup.com/files/islamic/card...te_Form__1_.pdf

Email this form to the card centre.

I filed a dispute early this month, RHB reversed it on the same day, super efficient. (Before statement date)
I also reported the fraud to the merchant (Facebook), the transaction was reversed by the merchant.
Ended up double reversal, my account now in -ve (credit).

I will file another dispute next week, otherwise I earn a few thousand RM due to the fraud. Haha.
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RHB says they need 25 days. It's been a few days now and no update from them.

Did they send replacement card to home address or branch?
contestchris
post Dec 30 2022, 06:21 PM

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QUOTE(tlc7 @ Dec 30 2022, 04:55 PM)
LOL just received SMS they rejected my application.

Called them for inquiry, they said it is declined without any reason, and i could go to branch to check.

But i applied through RinggitPlus, dont think going branch they will give me any answer.

Anyone has such experience with RHB or application applied through RinggitPlus?

I already have saving accounts with them, as well as good amount of FD in there.
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Ringgitplus is very notorious lah. Last time tak pasal² my Maybank application through Ringgitplus was rejected. I have a feeling there is quota and additional considerations for the sign up gifts, maybe that's why.

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