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

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beLIEve
post Feb 8 2025, 06:55 PM

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QUOTE(guy3288 @ Feb 8 2025, 05:55 PM)
surprised, usually when old promo finished new  campaign promotion will come
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This has been renewed for at least 2 years. Dont know if they are waiting for budget approval or decided to stop since it's always the same people winning.
beLIEve
post Feb 17 2025, 09:58 PM

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QUOTE(winmxbb @ Feb 17 2025, 09:53 PM)
Interest/Actual Management Fee: 2.99% p.a
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no lah. Time to time got freebies
beLIEve
post Feb 18 2025, 11:29 AM

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QUOTE(sjz @ Feb 18 2025, 10:43 AM)
BT monthly is excluded.
of course you need to make retail spend above RM2.5k per month to get the cb.
unlike Affin bank which use min statement balance per month as criteria,
RHB t&c is Total Monthly Retail Spend (RM).
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QUOTE(cclim2011 @ Feb 18 2025, 10:57 AM)
ok thanks for the information.
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BT is different from Cash Excess. i've read long ago posts that Cash Excess can be used as filler.

Different bank different policy. RHB allows Jompay and Govt MCC as filler while other banks do not. RHB allows T@NGo no OTP but Public Bank does not.
beLIEve
post Feb 18 2025, 12:49 PM

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QUOTE(ClarenceT @ Feb 18 2025, 11:42 AM)
You got it wrong.
RHB Shell Visa only, not all RHB CC. Because RHB Shell Visa offer ewallet CB but RHB VS doesn't have ewallet CB, so direct debit can give 0.2% only.
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Not necessary, unless you or someone already tested it. Arab Malaysia True treats T@NGo no-OTP as Online. I don't think i tried RHB VS on T@NGo, but i know somewhere in their PDF, they have some transaction code/type that defines what is Online and what is not.
beLIEve
post Feb 25 2025, 08:29 PM

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QUOTE(ideaplus @ Feb 25 2025, 06:53 PM)
But BT amount is just filler, you can't get any CB from BT amount
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Think big. They save 1% credit card reload fee OR ewallet quota.
beLIEve
post Feb 25 2025, 09:55 PM

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QUOTE(ideaplus @ Feb 25 2025, 08:57 PM)
Their reload fee or e-wallet quota > RM50? Then I really think small tongue.gif
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No. The idea+ here is, the filler $1500 (or $1080 for those with access to Shell) needs to be spent somewhere. If put inside ewallets that charge 1%, they have to pay $15. If put inside ewallet that don't charge, it eats up their monthly quota. If use Balance Transfer or Cash Access, it's free.
beLIEve
post Feb 26 2025, 06:00 PM

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QUOTE(ideaplus @ Feb 26 2025, 01:30 PM)
I thought the filler was the amount beside Shell (RM420) and Bonus (RM1080), which is around RM1001, and if this RM1001 can be covered by BT or Cash Excess, then it should be perfect.
Maybe my understanding of RHB Shell is wrong and needs some extra guidance and tactics.
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Bonus is 5% cap at $50. Where you find 1080 and 1001 oh?
beLIEve
post Feb 26 2025, 07:26 PM

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QUOTE(ideaplus @ Feb 26 2025, 06:53 PM)
CB Shell = cap RM50 = RM420*12%
CB Bonus = cap RM50 = RM1080*5%

Monthly Total spend > RM2500, so filler has to be RM1001 or more to be eligible for CB RM50+50, right?
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Total spend >= 2500

QUOTE(LostAndFound @ Feb 26 2025, 07:19 PM)
Uh, CB Shell RM50 can be achieved with RM416.67 spend (I've tested this before. CB Bonus can be achieved with RM1000 spend (straight forward, 5% of 1000 is 50). Not sure why you put RM420 and RM1080.

Assuming you have RM1000 online and RM416.67 Shell spend, then your filler should be RM1083.33. Exactly RM2500 is enough, no need RM2501.
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We dont trouble shell to T@NGo $1, $5, $10. Straight $20.
beLIEve
post Mar 5 2025, 09:35 PM

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QUOTE(LemonJane @ Mar 5 2025, 08:37 PM)
Can explain what is the meaning of "buyi PIN from RHB site"?
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touch and go PIN under Topup
beLIEve
post Mar 7 2025, 09:08 PM

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QUOTE(LostAndFound @ Mar 6 2025, 10:24 PM)
But beware, I've been doing this regularly, every once in a while the pin won't show up. Then you have to report to them, they will send you back and forth to show proof until you get back your pin.
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Mine was straightforward. After a couple of times, you should already know what they want. If I don't have memory leak, your phone number and date time of missing PIN.
beLIEve
post Mar 18 2025, 12:47 PM

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QUOTE(darkz91 @ Mar 17 2025, 06:42 PM)
Good day, i finally got my RHB Shell card.

What's the best allocation for CC spending to achieve best cashback? Is it still this one? ;

RM1000 on E-wallet (5%) -> RM50
RM417 on Shell (12%) -> RM50
RM1083 on others (0.2%) -> RM2.16
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yes

QUOTE(alesi616 @ Mar 18 2025, 12:22 PM)
hi all,
For RHB SHELL VISA,
Is JOMPAY entitle for 5% online cashback or just counted as filler amount only?

Thanks.
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Filler
beLIEve
post Mar 19 2025, 07:55 PM

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QUOTE(xiaoxiaoshen @ Mar 19 2025, 04:49 PM)
you mean new card can get SST rebate also? it just approved yesterday. after 2 times reject.  thumbup.gif
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To be precise, they give $25 rebate. They did not mention anything about GST. It's up to you how you want to inteprete.
beLIEve
post Mar 25 2025, 11:09 AM

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QUOTE(xiaoxiaoshen @ Mar 25 2025, 10:12 AM)
damn! first time reload RM500 got missing Pin x 1 . how and where to report? what info shall provide to them.

meaning the missing pin occur quite frequent?
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whatsUp to 0129795600

provide phone number, date & time of missing pin, and amount
beLIEve
post Mar 25 2025, 12:58 PM

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QUOTE(xiaoxiaoshen @ Mar 25 2025, 12:11 PM)
thank got it back, prompt respond from the whatapps number.
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you are welcome.

yes they're very efficient. To answer your other question - yes it does happen occasionally
beLIEve
post Apr 6 2025, 03:31 PM

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QUOTE(effectz @ Apr 6 2025, 02:23 PM)
Have you done many simulations to proof this?
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it's written in their PDFs. I did not keep any.
beLIEve
post May 24 2025, 10:53 AM

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QUOTE(xrossf1re @ May 24 2025, 10:08 AM)
I just received my shell visa-I

shell visa and shell visa-I have different statement date right? They won’t consolidate into one statement?
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Correct

Different bank entity
beLIEve
post Jun 1 2025, 12:52 AM

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QUOTE(Skeuomorphic @ Jun 1 2025, 12:30 AM)
Guys i wanna ask, if i pay the card a bit before the statement date to reduce the statement balance that i have to pay, will it affect the amount of cash back that i will receive? Is it okay as long as i keep it about 2.5k to get tier 3?
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For RHB, Cashback is based on your qualified spending, not statement balance. I think only Affin use statement balance.

So, you can prepay RHB without affecting cashback
beLIEve
post Jul 4 2025, 09:12 PM

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QUOTE(cybpsych @ Jul 4 2025, 06:10 PM)
user posted image
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Seems like before cutoff date, we can earn $50 Online/ewallet. After cutoff, another $10 for Online/ewallet if total spend $3000
beLIEve
post Jul 4 2025, 09:21 PM

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QUOTE(MGM @ Jul 4 2025, 09:19 PM)
So b4 28/7 spend 420 on petrol n 2080 on shopeepay, after 28/7 spend another 500 on shopeepay, get total 110?
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Yes from the sample given by RHB. If can split the $500 into $200 Utility and $300 shoppeepay, another $10

This post has been edited by beLIEve: Jul 4 2025, 09:22 PM
beLIEve
post Jul 4 2025, 09:32 PM

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QUOTE(MGM @ Jul 4 2025, 09:28 PM)
After victorian's post looks like bad idea.
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Ahh yeah. Just one off mess during the transition

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