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

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cybpsych
post Jul 11 2025, 02:43 PM

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QUOTE(xiaoxiaoshen @ Jul 11 2025, 02:14 PM)
it has discussion group for this? it seem can get 6.85% inrerest. so high.

user posted image
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QUOTE(Barricade @ Jul 11 2025, 02:17 PM)
Click on it to see it's not easy to get that high interest. A lot of requirement.
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QUOTE(xiaoxiaoshen @ Jul 11 2025, 02:23 PM)
already click, just need some advice or trick to maximize the 6.85%.  sweat.gif
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RHB Smart Account discussion topic here https://forum.lowyat.net/topic/5386694
cybpsych
post Jul 13 2025, 03:12 PM

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QUOTE(sjz @ Jul 13 2025, 03:09 PM)
what is the point of this pic??
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all gives 0-3 cb

can throw all liao
cybpsych
post Jul 14 2025, 09:23 AM

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terminated both RHB Shell/Shell-i cards

keeping WMC card, quite good and giving me 60-90+ monthly CB.
cybpsych
post Jul 21 2025, 09:03 AM

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QUOTE(Optizorb @ Jul 21 2025, 04:16 AM)
i never pay attention to it before, but i just found out sometimes Spotify can get cashback under utility and sometimes doesn't get cashback under utility..

anyone knows what's up? and this made me check my statements all the way back from Oct 2024 >> July 2025..

Found for spotify cb under utility, the last 10 months: 5 get, 5 no get.

Oct 24 = no get
Nov 24 = get
Dec 24 = get
Jan 25 = get
Feb 25 = no get
Mar 25 = no get
Apr 25 = no get
May 25 = get
Jun 25 = get
July 25 = no get

what i noticed on the months i get cb for spotify, in statement stated = Spotify Stockholm SE RM24.90
user posted image

what i noticed on the months i didnt get cb for spotify, in statement stated = Spotify P3865FF8A8 Stockholm SE RM24.90
user posted image
EDIT: to add, it is auto-billing and auto-debited on the 8th every month..
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SPOTIFY Pxxxxxxxxx STOCKHOLM SE using MCC 5815: Digital Goods Media - Books, Movies, Digital Artwork/Images, Music

SPOTIFY STOCKHOLM SE mixture, using MCC 5815 or MCC 4899: Cable, Satellite and Other Pay Television/Radio/Streaming Services


also, you didnt mention which RHB card was used?

This post has been edited by cybpsych: Jul 21 2025, 09:04 AM
cybpsych
post Jul 21 2025, 12:02 PM

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QUOTE(Optizorb @ Jul 21 2025, 09:46 AM)
rhb cashback CC, the normal one..

so does it mean if fall under "Spotify PXXXXXXX Stockholm SE" then no longer under utility category?

I wonder if we can ask rhb why there's discrepancy and whether they will reimburse cashback for those Spotify PXXXX transactions..
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rbh cb MCC list

https://www.rhbgroup.com/-/media/Assets/Cor...RD_MCC-Code.pdf


you can dispute, but the t&c stated:

3.11. The assignment of the MCC for a Partner Merchant is subject to the classification by the Partner
Merchant’s Acquiring Bank that is providing the credit card terminal. It is the responsibility of the
particular Acquiring Bank to assign the correct MCC. RHB Bank will not be held responsible for
any incorrect assignment of the MCC by any Partner Merchant’s Acquiring Bank that may result in
non-posting of the Cash Back for the retail transactions with the Partner Merchants unless such
incorrect assignment of the MCC and/or such non-posting of the Cash Back is/are due to the act,
omission, default, negligence and/or misconduct on the part of RHB Bank and/or any of its
employees, representatives and agents..

cybpsych
post Jul 22 2025, 02:04 PM

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QUOTE(hotmission @ Jul 22 2025, 11:46 AM)
RHB Shell VISA revision is a total disaster. Now to include oversea spending on a petrol card. Any alternatives?
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refer recent posts here https://forum.lowyat.net/topic/4161836/latest
cybpsych
post Jul 24 2025, 09:03 AM

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QUOTE(nexus2238 @ Jul 24 2025, 08:16 AM)
Received RHB Shell official cc statement for statement date 22-July-2025.
There is no cb.
Don't know what RHB is doing  doh.gif
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yes, "many sad"

user posted image

This post has been edited by cybpsych: Jul 24 2025, 09:04 AM
cybpsych
post Jul 25 2025, 08:47 AM

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QUOTE(Xerx @ Jul 24 2025, 10:01 PM)
I fully paid back my rhb shell cc usage and only saw this forum that on 30th they will issue the cashback, what happens to my cashback since im deciding to cancel the card? Reimbursement ?
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as the cb credited on statement date (or 30th for July due to issue), you should've cancelled the card after receiving cb.

there may be a slight possibility the cb may still be credited into the card since rhb may takes some time to process & cancel the card. in my case, they even called me back after few days to calling to cancel the Shell cards.

user posted image

user posted image

This post has been edited by cybpsych: Jul 25 2025, 08:48 AM
cybpsych
post Jul 27 2025, 07:50 AM

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QUOTE(Xerx @ Jul 26 2025, 04:34 PM)
I have not received the cb yet. Im assuming im getting it on 30th july and then I just call rhb to proceed with cancelling? What happens to the cashback in account tho? It'll be -50 since I already paid the full statement.
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timing

if card cancelled (from system) before cb is credited, then no cb lor. there's no "destination" for the cb. hence, the t&c

if card not called, the card account will have excess -50 (due to cb). bank couldnt cancel the card and they need to call you for consent to transfer out (to bank or other cards)
cybpsych
post Jul 27 2025, 07:55 AM

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QUOTE(ronnie @ Jul 26 2025, 11:27 PM)
is it true after 28/7, the RHB Shell need to swipe
1. RM250 per transaction
or
2. RM250 per month
to enjoy cashback ?
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not exactly

read the new T&C/FAQ >> Minimum spend per category
cybpsych
post Jul 27 2025, 04:47 PM

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QUOTE(cybpsych @ Jul 24 2025, 09:03 AM)
yes, "many sad"

user posted image
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QUOTE(Micky78 @ Jul 27 2025, 04:42 PM)
my statement date is 22nd, so i will the the missing CB by end of this mth? tq
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cybpsych
post Jul 29 2025, 08:56 AM

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QUOTE(MGM @ Jul 29 2025, 08:52 AM)
Can use setel to buy things over d counter but pay using linked cc?
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yes can

but better ask counter cashier first. epay terminal items may not allow even setel to pay ... aka cash only
cybpsych
post Jul 29 2025, 04:48 PM

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QUOTE(jyll92 @ Jul 29 2025, 04:04 PM)
guys i have question my usual statement date is 22nd now its changed to 26th. so my new cycle start from 26th?
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errrr ... you posted the "answer" first, then only the "question"

answer = "now its changed to 26th"

question = "so my new cycle start from 26th?"


so, what do you exactly want to ask? did you requested to change it? or bank changed it? how did you find out the change of statement date?
cybpsych
post Jul 29 2025, 05:18 PM

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QUOTE(jyll92 @ Jul 29 2025, 05:13 PM)
the date is changed in the latest statement. just want to ask if my new date cycle is changed from now on?

haiz i applied two credit cards to replaced this one.
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already stated b&w, then yes lor

else, contact bank via call to reconfirm again.
cybpsych
post Jul 29 2025, 05:20 PM

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QUOTE(Lonelybird @ Jul 29 2025, 05:19 PM)
I thought cashback from shell only for petrol. No?
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nope
cybpsych
post Jul 29 2025, 09:26 PM

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QUOTE(jutamind @ Jul 29 2025, 08:39 PM)
Don't know what RHB is smoking to call the revision as enhanced benefis. I hope RHB can listen to customers by removing the minimum spend per category and give cashback % based on total spend just like other cards from competitor banks.
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just ignore how they spin their negative points into positive tone

smarter users like you and us here will thoroughly read n dissect their t&c even before the ink dries.

the more layers the criteria, the system will get more complex to compute the cb correctly.

not to forget human CS need to understand and able to articulate back the so-called enhancements. they will get trapped answering our questions and couldn't actually find any plus points over the old terms. eventually they'll get frustrated telling half-truth and impact their overall performance lol

it's fine to reduce benefits but in simpler manner rather than layering them even more with criteria just to justify their card's relevance to the market/customers.
cybpsych
post Jul 30 2025, 04:52 PM

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QUOTE(effectz @ Jul 30 2025, 04:36 PM)
What is TACO?
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Trump Always Chicken Out aka always u-turn on his tariff decisions
cybpsych
post Aug 2 2025, 06:09 PM

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QUOTE(dimgai @ Jul 28 2025, 01:14 PM)
QUOTE(Darren @ Aug 2 2025, 04:44 PM)
just realise got changes in rhb shell cashback after searching around for upcoming promotion for credit card on aug....

wonder if there charges if i want to settle whole installment and cancel the card?
just swipe installment on display massage chair on 24month installment on june 2025..

didnt expect the cashback to drop so massively as i only max utility payment + petrol (monthly rm80-100 drop to rm30-40).....
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your cb reduced already meh?
cybpsych
post Aug 4 2025, 12:31 PM

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QUOTE(Matchy @ Aug 4 2025, 11:48 AM)
Do I need to enable online transaction for new card? (RHB Shell) Tried to top up my shopeepay, and it failed few times. Called CS previously, and they said because of system maintenance. rclxub.gif
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what amount u tried to top up?

iinm, there's rm1k per day limit
cybpsych
post Aug 4 2025, 01:46 PM

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QUOTE(Matchy @ Aug 4 2025, 01:09 PM)
2k… the limit is by Shopee or RHB?
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rhb over high-risk merchants (eg ewallets haha), not just shell card. other rhb cards also kena

you can try rm1k

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