cb/points credited into pricipal but statement is separated need to pay separately

Govt MCC, no online CB, no 0.2% CB.
(May use Jompay, no online/others CB as well)
But good as filler.

Eg
RHB Shell Visa
Shell RM417, Online RM1000, Govt RM1083 -> CB RM50+RM50.

RHB Visa Signature
Online RM500 + Shopping RM500 + Entertainment RM500 + RM2000 Govt -> CB RM30x3 (6% for 3 categories)

Or
Online RM1500 + Govt RM1000 -> CB RM30 (Online 2%)

But IWK is utilities, not Govt.

cukai and gov related all excluded on most cc and debit card. so no need find

if ur council bill can pay at Lazada/ shopee

Then pay at POS Malaysia with ShopeePay/Spaylater (if available). -25% by Shopee Coins capped at 3000 coins.

TNG PIN: you decide if you want to pay 1% for transferable credit.

no direct topup from rhb app to tng ewallet la

Video showed topup from Savings acc.

RHB Shell revised the TNC effective from 28 July.

was aiming for a last bite in the same statement.

After 26 July statement out,

Before 28 July, do trx go get Max Cap RM50 + RM50 CB.
Ensure posted on 27 July.

28 July onwards, New CB scheme.

Use ewallet as filler (no CB) for RHB VS/WM, HLB Wise, CIMB Islamic Petronas Visa Infinite, Premier cards (Maybank, UOB, Ambank etc). To get CB from selected categories or annual fee waiver.

the main aim is to hit last bite of rebate RM50+ RM50 before 28 July new CB scheme kicks in.

Get Maybank (Conventional) M2 Visa/MC + Amex 
OR
Maybank Islamic Ikhwan Amex.

Use Spaylater to pay some (not all) Duitnow QR (ewallets) merchants.
Then use Amex / Amex-i to pay Spaylater outstanding balance.

It is good for time being. Enjoy it while it lasts.

If you have activated Spaylater, go to Spaylater merchants (eg Mr DIY, KK Mart, Family Mart, Petron, Guardian, Pos Malaysia including Posonline etc) let the cashier scan your ShopeePay QR (use Spaylater instead of wallet balance); or scan PINK Duitnow QR and pay (SOME merchants may allow Spaylater).

Then use M2 Amex to pay outstanding balance on Sat/Sun. Please note you can't change the amount to settle.

yes consider online.
but beware of this platform,
my RHB card was compromised with multiple unauthorized overseas fraud transactions in USD after use at this platform.

search online reveal quite a number of complaints on this too.

those thief do it below 1 min, when i receive multiple sms from RHB of those transaction, even i lock the card immediately using apps, it's still not on time, total amount already around RM8k++ eventually posted.

now disputing these unauthorized overseas transactions.

in my opinion, RHB also have part responsibility to play for not stopping those large amount overseas fraud transactions at all, but instead they just let those transactions go thru with a SMS informing us only.

yup thats's the scary part.
no TAC overseas transactions.

to be on the safe side.
can go their apps and lock the card whenever not in use.
before use, just go apps unlock the card and lock back after use.

i learnt my lesson with them.
really scary 2 weeks peroid since it involve large amount RM8k++,
luckily eventually after i emailed to their customer advocacy team, they helped me to solve the dispute problems.

now i lock my card whenever not in use.

Same here I also didn’t receive cb for this month just wondering what’s wrong