Welcome Guest ( Log In | Register )

Outline · [ Standard ] · Linear+

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

views
     
Haloperidol
post Apr 7 2025, 02:41 PM

Regular
******
Senior Member
1,477 posts

Joined: May 2019
QUOTE(contestchris @ Apr 3 2025, 02:41 PM)
Requested for service tax rebate and got it immediately.

I learned that RHB provides instant rebate for Tier 1 customers, while Tier 2 customers need to swipe 3x. I also learned that I had 200++ swipes in the past one year.

Tier 1 = customers with more than 24 swipes per year
Tier 2 = customers with less than 24 swipes per year
*
I think depend on CS.

I called for Service Tax rebate @ early February, they ask me to do 3x physical swipe despite i can confirm i have > 24 transaaction/swipe per year. They ask me to do it before 21

But i am at oversea.

Then i re-request again, they grant me immediate rebate.


Haloperidol
post Jul 4 2025, 04:21 PM

Regular
******
Senior Member
1,477 posts

Joined: May 2019
Nerfed hard.

Now if you do minimum 1000, shell 3% = 30
that's what all it takes

If you try hard to go 2000, had to go through
shell 600 = 5% = CB 30
ewallet = 500 = 2% = CB 10
utility 500 = 2% = CB 10
find your own 401 spending

Last time 2500 get 100 , now 2001 get 50 with further restriction

(but utility/grocery had better access via PAM/ other CC that offer higher grocery CB)

=============
They knew ppl apply for Shell-Visa is not the kind that goes Oversea lah, that's why to deter ppl .

Oversea people i know dun look at CB at all, they all play Miles game.

This post has been edited by Haloperidol: Jul 4 2025, 04:22 PM
Haloperidol
post Jul 4 2025, 08:36 PM

Regular
******
Senior Member
1,477 posts

Joined: May 2019
QUOTE(Gabriel03 @ Jul 4 2025, 06:16 PM)
if follow the old revision, BT installment should not have been considered as a filler, as it is not a retail spend. but somehow, I have been able to maximise my cashback for past 3 years even though i spend less 1.5k monthly on this card. BT helped to meet the 2.5k expenses.

But yeah, now it is stated explicitly that BT and CX are not considered as retail spend
*
previous TnC state that it is **not considered for cashback** only, didn't mention regarding retail spend.

Current TnC state that it is **not considered as retail spend**, so BT as filler is gone.

Haloperidol
post Jul 9 2025, 11:37 PM

Regular
******
Senior Member
1,477 posts

Joined: May 2019
QUOTE(cybpsych @ Jul 8 2025, 09:10 AM)

*
hi boss,
what about if i fill shell 420 before 28th
EWallet 2000

then fill another 300 after 28th
then topup Ewallet 500

will i get the total of (50 petrol + 50 bonus + 30 new petrol + 10 e-wallet)
or i just get 50 petrol + 50 bonus + 10 e-wallet
Haloperidol
post Jul 12 2025, 08:41 PM

Regular
******
Senior Member
1,477 posts

Joined: May 2019
QUOTE(MGM @ Jul 11 2025, 02:57 PM)
My statement date on 15th.
B4 28th I will spend on Shell $420 (50 cb) + Shopeepay $2080 (cb 50), total spend 2500..
After 28th spend on Shell $250 (30 cb) + TNB $250 (10 cb), total spend 500.

Should be getting 50+50+30+10=140 cb.
After my next statement date 15Aug2025, would probably stop using, now applying for UOB 1Platinum.
*
my Bank Muamallat POS-VI already approved, i gonna jump to this
8% CB on POS trasnaction (bills) + Free Annual fees + Free Lounge access + 0% balance transfer 6-m + Takaful protection if i die , very good
only bad side is high income requirement.

Next in line is Bank Islam VI.
Online trasnaction 5% , min 1k , cap 30 = effective 3% CB
Free Lounge Access
has Annual fees but waive on 12 swipe.

========
after next month guess there gonna be mass cancellation soon.
So long RHB Shell, every month 400 cashback was a good time for me.
Haih.

This post has been edited by Haloperidol: Jul 12 2025, 08:42 PM
Haloperidol
post Jul 13 2025, 12:49 AM

Regular
******
Senior Member
1,477 posts

Joined: May 2019
QUOTE(MGM @ Jul 12 2025, 08:53 PM)
Good for u.
U have 4 RHB Shell cards since u got 400 cb/month?
*
Yep, using other ppl account (relative/dad/mom/wife etc)
Haloperidol
post Jul 13 2025, 12:50 AM

Regular
******
Senior Member
1,477 posts

Joined: May 2019
QUOTE(tan_aniki @ Jul 12 2025, 09:27 PM)
your RM500 tnb and RM500 grocery already can get more than RM75 cb from other cc
*
most probably from cimb
Haloperidol
post Jul 18 2025, 12:21 AM

Regular
******
Senior Member
1,477 posts

Joined: May 2019
tbh, if capped at 30 for shell petrol, what for...
mass cutting of rhb card in next 2 month

Haloperidol
post Jul 29 2025, 11:03 PM

Regular
******
Senior Member
1,477 posts

Joined: May 2019
QUOTE(kesvani @ Jul 29 2025, 10:32 PM)
Sometimes I curious some people willing to waste time planning expense and spend thousand of ringgit just for 50-80 cashback. Is it really worth the effort.
*
Usually people do it with a group of cards, eg last year i earned 7k cashback , with few lounge access.
Maybe 7k is not big for you, but that's around 583 MYR per month, and lets say if you use 5% dividend rate,
it's equal free 140k capital generating passive income for you.

Haloperidol
post Aug 31 2025, 01:03 AM

Regular
******
Senior Member
1,477 posts

Joined: May 2019
So i read as before 8 September,
do 2500 (420 shell + 2080 online) to get 100
then after 8 september
spent 500 ewallet extra 10
spent shell 250 to get extra 30 ?

am i right ?
Haloperidol
post Sep 16 2025, 02:26 PM

Regular
******
Senior Member
1,477 posts

Joined: May 2019
RHB statement is out.
I only get the RM 50 + RM 50 of the old system
i used 250 Shell + 500 e-wallet, but didn't get any cashback of it.
So....

Haloperidol
post Sep 20 2025, 01:03 PM

Regular
******
Senior Member
1,477 posts

Joined: May 2019
i send message to Customer Service, they say better contact them via Live Chat during working hours.

Haloperidol
post Sep 27 2025, 11:27 AM

Regular
******
Senior Member
1,477 posts

Joined: May 2019
RHB website down ah, event app also cannot use


user posted image

This post has been edited by Haloperidol: Sep 27 2025, 11:27 AM

 

Change to:
| Lo-Fi Version
0.0267sec    0.86    7 queries    GZIP Disabled
Time is now: 26th November 2025 - 01:33 PM