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

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fruitie
post Jul 9 2025, 02:56 PM

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QUOTE(ClarenceT @ Jul 9 2025, 06:43 AM)
For RHB VS, doesn't matter it is in RM or in foreign currency, but the country code is NOT "MY". (Not applicable to other banks)

Eg you spend at AGODA, TEMU, APPLE etc, in RM, but posted as "...SG".
Also NO Cross Border Fee.
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I checked my Affin account, and it is showing "US" at the end, but it is the standard price for YouTube Premium Family, which is RM 41.90.
» Click to show Spoiler - click again to hide... «


So, in this case, is it still considered overseas spending? It is not a converted price.

The same goes to my Spoitify which is also showing "Stockholm" but the price is MY premium package price.
fruitie
post Jul 9 2025, 03:16 PM

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QUOTE(ClarenceT @ Jul 9 2025, 03:10 PM)
For RHB VS: Overseas CB
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Oh nice, but too bad I already cancelled that VS. sweat.gif
fruitie
post Jul 9 2025, 03:27 PM

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QUOTE(ClarenceT @ Jul 9 2025, 03:26 PM)
Should work for RHB-Shell Visa after 28/7.
But minimum spend for Overseas category >RM500
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Even with a few YT Premium and Spotify auto debit, I think it is not 500. sweat.gif
So I guess that's the end for me for RHB.
fruitie
post Jul 9 2025, 03:49 PM

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QUOTE(jasontoh @ Jul 9 2025, 03:40 PM)
Just keep the card for BT
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For sure, it is giving me good limit as well. biggrin.gif
fruitie
post Jul 9 2025, 04:06 PM

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QUOTE(ClarenceT @ Jul 9 2025, 04:04 PM)
RHB-Shell Visa
Annual Fee: RM195
24x transactions to get waiver.
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RM 1*24 to reload SPay will do. biggrin.gif
fruitie
post Jul 28 2025, 01:50 PM

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QUOTE(dimgai @ Jul 28 2025, 01:14 PM)
user posted image

https://www.rhbgroup.com/-/media/Files/othe...H20250728-1.pdf
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OMG, such miracles can happen. laugh.gif

Maybe they are working on another revision. tongue.gif But good news that it is deferred for now. biggrin.gif
fruitie
post Jul 29 2025, 06:52 PM

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QUOTE(dimgai @ Jul 28 2025, 01:14 PM)
user posted image

https://www.rhbgroup.com/-/media/Files/othe...H20250728-1.pdf
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QUOTE(CoffeeMiloTea @ Jul 29 2025, 06:45 PM)
Hi all just received RHB app notification that the so call enhanced benefit has been pushed out or defer without a date given. Anyone receive the notification?
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Shared yesterday.
fruitie
post Jul 29 2025, 07:47 PM

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QUOTE(fixgd @ Jul 29 2025, 07:09 PM)
enhanced features sucks. more benefit move towards overseas spending
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It is ok, it has been deferred for now.
fruitie
post Jul 30 2025, 11:08 AM

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QUOTE(dimgai @ Jul 28 2025, 01:14 PM)
user posted image

https://www.rhbgroup.com/-/media/Files/othe...H20250728-1.pdf
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QUOTE(fixgd @ Jul 30 2025, 10:14 AM)
isit? didnt see the notice of this further deferment. good news anyway.
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laugh.gif I quoted it right before your message. https://forum.lowyat.net/index.php?showtopi...ost&p=111960414
Also RHB has sent a push-in notification on the phone regarding this deferment, I have received it yesterday.

fruitie
post Jul 30 2025, 11:48 AM

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QUOTE(contestchris @ Jul 30 2025, 11:25 AM)
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.
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I also received it. It is easier to send a blanket notification to all rather than targeted notification which may cause errors.
fruitie
post Jul 30 2025, 01:03 PM

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QUOTE(kesvani @ Jul 30 2025, 12:52 PM)
Those fixed like fuel and utilies can be calculated but thosw indulgence expenses like coffe, spare part heck even dining hard to plan as all those based on if feel want buy then buy😅😅
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That's why one needs other cards as well for dining expenses. smile.gif
fruitie
post Jul 30 2025, 01:58 PM

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QUOTE(guy3288 @ Jul 30 2025, 01:42 PM)
that means the  old better  cash back remains?

  thumbup.gif  then BT still can use as filler spend to max at RM2500 only?
no need spend RM3k right?
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Yes everything remains the same as previously, for now until further notice.
I guess it won't take them too long to come out with a new revision again.

QUOTE(guy3288 @ Jul 30 2025, 01:44 PM)
bro  i have 48 cards and i owe cc in millions... laugh.gif
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But you also earn millions. laugh.gif
fruitie
post Aug 3 2025, 03:57 PM

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QUOTE(asiatrader98 @ Aug 3 2025, 03:46 PM)
so delay the enhanced benefits revision until RHB update it
so all the terms n conditions to get the cash back unchange this month?
mind to share with me?
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Yes. Remain unchanged for now.
fruitie
post Sep 25 2025, 04:32 PM

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Received cash back of RM 50 with RM 1160 spending before 8th Sept. Never knew how to calculate but happy with the cash back. biggrin.gif laugh.gif
fruitie
post Sep 25 2025, 06:16 PM

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QUOTE(sg8989 @ Sep 25 2025, 06:13 PM)
I spent 2.4k only also can get rm100 cb. lol
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But happy time has ended... sad.gif Now back to the complicated (at least to me) CB calculation.
fruitie
post Sep 25 2025, 08:36 PM

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QUOTE(LostAndFound @ Sep 25 2025, 08:23 PM)
Is not complicated - here's my summary:-
Use RM250 petrol at shell (RM30 cashback)
Reload ewallet/online RM500 (RM10 cashback)
Pay RM250 TNB bill (RM10 cashback)
The rest top up to RM3000.

Groceries/overseas IMO not worth it - groceries 5+% easy to obtain from other cards generally (effective cashback rate is 4% for groceries/utilities and 2% for ewallet/overseas).

I believe topping up to 3k can be done by purchasing TNG ewallet reload pin.

In the end is RM50 cashback for 3k spend. Which is basically Affin Duo level.
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I don't use petrol... Where to purchase TnG ewallet reload PIN now? I have been disconnected for the longest time.
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