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

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contestchris
post Jul 22 2025, 10:28 AM

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How is it "enhanced"? It's a petrol branded card with an incredibly low cashback capping for petrol. Crazy!
contestchris
post Jul 23 2025, 08:37 AM

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This month RHb have many system issues. Even the RHB Smart Account interest was credited much later than promised
contestchris
post Jul 25 2025, 09:53 AM

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I received CB as expected for my RHB Shell Visa (statement date = 24th of the month).
contestchris
post Jul 26 2025, 10:53 PM

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Did my last TnG eWallet reload pin purchase at Shell today.

Over the years, I've gotten back around RM3k to RM4k in basic cashback from the RHB Shell Visa card.

RIP.
contestchris
post Jul 27 2025, 01:15 PM

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QUOTE(ronnie @ Jul 27 2025, 12:20 PM)
So far RHB said 22nd, 24th, 26th cycle kena no cash back

I guess they want you to be a card holder longer since most will cancel due to the lousy cash back
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Mine is 24th and I got cashback...
contestchris
post Jul 28 2025, 01:18 PM

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LMAO that is a first. Surely it didn't make sense that a petrol-branded card's largest benefit was foreign/travel spending. Which smart fellow in RHB came up with such nonsense.
contestchris
post Jul 29 2025, 08:11 AM

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QUOTE(canjeth @ Jul 29 2025, 07:41 AM)
Buy your groceries from Shell
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Such a foolish idea.
contestchris
post Jul 30 2025, 08:09 AM

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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.
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I mean you do your planning once, then month by month it becomes second nature. Obviously, it makes most sense if the spending is based on your organic spending. You don't simply change or increase your spending habits to maximize cashback. If you do that, you've lost.
contestchris
post Jul 30 2025, 11:25 AM

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RHB send me notification that the missing cashback will be credited by xx date.

However, I do not have any missing cashback. They probably blast it to all customers. Unnecessary confusion.
contestchris
post Aug 19 2025, 07:18 PM

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QUOTE(Barricade @ Aug 19 2025, 04:35 PM)
Yes. They are the worst bank when it comes to CC application. And you need to manually collect from branch once approved.
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Worst bank for limit increase too
contestchris
post Aug 26 2025, 08:40 AM

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Time for one last hurrah!
contestchris
post Aug 26 2025, 02:55 PM

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QUOTE(Barricade @ Aug 26 2025, 12:33 PM)
One thing I don’t understand is, why put 5% for groceries, local spend, e-wallet when it will never achieve 5% since it’s capped at RM10? Isn’t that misleading or my understanding is wrong?
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It is misleading and I would urge you to complain to BNM too. It’s like shitty Shopee coupons, 95% off capped at RM1
contestchris
post Aug 26 2025, 02:56 PM

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QUOTE(sjz @ Aug 26 2025, 02:36 PM)
i think they learn from overseas bank like SC.
they always doing this,
for eg min spend RM2.5k to get 15% CB but cap RM40.

somehow is a grey area.
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That is not so bad, even previous RHB Shell got minimum spend qualifier.

The updated card now also has minimum spend qualifier PER CATEGORY, which is the issue
contestchris
post Sep 25 2025, 10:14 AM

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Guys, RHB has a MAJOR SYSTEM ISSUE!!!

I spent only RM55 on Petrol before 7th of Sep. This is because I couldn't go to my preferred station in time to buy the TnG reload pins.

Then I spend RM250 after the 7th of Sep to maximize the "new version" cashback for Petrol.

In total, I got just one posting for Petrol: CASHBACK PETROL MYR 36.60

At the same time, by the 7th of Sep, my spend was below RM2.5k, so I shouldn't be getting 12% cashback for my RM55 transaction, based on their T&Cs.

Looks like the configutation is still based on the OLD system, not new system. What a collosal mess-up from RHB.

Not to mention missing online cashback for the new methodology.

This post has been edited by contestchris: Sep 25 2025, 10:48 AM
contestchris
post Sep 25 2025, 10:46 AM

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QUOTE(cclim2011 @ Sep 25 2025, 10:40 AM)
oot
my smart account even worse. nvr able to capture credit card spending and need to argue with them every month then only give me the extra interest. 😅
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Touchwood my Smart Account doesn't have any issues
contestchris
post Sep 25 2025, 10:48 AM

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QUOTE(LostAndFound @ Sep 25 2025, 10:47 AM)
Wouldn't you only have gotten RM36.6 cashback for petrol (since its 12%)? Where did RM50 come from?
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You are right, RM50 is for the BONUS category. Let me correct it. I had RM36.60 in mind but copied the wrong figure.

This post has been edited by contestchris: Sep 25 2025, 10:49 AM
contestchris
post Sep 25 2025, 10:52 AM

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QUOTE(LostAndFound @ Sep 25 2025, 10:51 AM)
In that case I don't see any issue.

The RM2.5k is not from 8 Sep, it is 'statement amount' on your statement date (which I assume is 3k).

The transactions under old system are from before 8 Sep, but the qualification (minimum spend) is only calculated on the statement date (otherwise you'd get ridiculous stuff like the first 2.5k of spend do not get 12% because you haven't hit the limit at time of spend).
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In their example, it was explicitly stated that you had to hit the RM2.5k before the cutoff date. Maybe I am mis-remembering.

This post has been edited by contestchris: Sep 25 2025, 10:52 AM
contestchris
post Oct 25 2025, 07:38 PM

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QUOTE(strattos93 @ Oct 25 2025, 05:25 PM)
hmm, i got 0 cashback for paying electricity also.... spend more than rm 1k
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Did you pay min rm250?

This post has been edited by contestchris: Oct 25 2025, 07:38 PM
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