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

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Kyan0411
post Apr 16 2021, 10:04 AM

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QUOTE(lowyat101 @ Apr 16 2021, 10:00 AM)
aiyah wasted as just bought some aeon vouchers 2 days ago

btw since ewallet is excluded, any other good online category to use ah?
*
Not sure direct Lazada / shopee counted or not.
I used on shopee 12am today in conjunction with RHBFRI voucher
ClarenceT
post Apr 16 2021, 10:08 AM

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QUOTE(lowyat101 @ Apr 16 2021, 10:00 AM)
aiyah wasted as just bought some aeon vouchers 2 days ago

btw since ewallet is excluded, any other good online category to use ah?
*
Go offline category, not so competitive, can buy AEON vouchers at 10am, if too late to win, I still can get 6% capped at RM30 monthly CB (RHB VS - Departmental category). tongue.gif

Online - pay electricity, phone bills etc, most likely not excluded.

This post has been edited by ClarenceT: Apr 16 2021, 10:09 AM
lowyat101
post Apr 16 2021, 11:06 AM

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QUOTE(ClarenceT @ Apr 16 2021, 10:08 AM)
Go offline category, not so competitive, can buy AEON vouchers at 10am, if too late to win, I still can get 6% capped at RM30 monthly CB (RHB VS - Departmental category).  tongue.gif

Online - pay electricity, phone bills etc, most likely not excluded.
*
oh ya online bills, will try next week and see how

lowyat101
post Apr 16 2021, 11:12 AM

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Also my Taobao transaction is shown as "LAZADA WALLET TAOBAO KUALA LUMPUR MY"

not sure if this is considered as online or ewallet hmm.gif hmm.gif hmm.gif

Kyan0411
post Apr 16 2021, 11:53 AM

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QUOTE(lowyat101 @ Apr 16 2021, 11:12 AM)
Also my Taobao transaction is shown as "LAZADA WALLET TAOBAO KUALA LUMPUR MY"

not sure if this is considered as online or ewallet  hmm.gif  hmm.gif  hmm.gif
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I think count as online but no ewallet
Reference: the 10% cb signup offer which exclude ewallets topup, i received 10% on taobao transactions (with same description name as yours)
lowyat101
post Apr 16 2021, 12:32 PM

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QUOTE(Kyan0411 @ Apr 16 2021, 11:53 AM)
I think count as online but no ewallet
Reference: the 10% cb signup offer which exclude ewallets topup, i received 10% on taobao transactions (with same description name as yours)
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alright, thanks for the info

!@#$%^
post Apr 17 2021, 02:28 AM

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anybody realized that TNG topup using saved card with description 'TNG WALLET E-COMM 2 KUALA LUMPUR MY' is counted as expenditure but not considered as e-wallet/online? i look through the terms and conditions and it did mention merchant description should be 'TNG-EWALLET'. i made 500 x 1 to boost and 500 x 4 to TNG using saved card all within statement but i only got RM25 ie 5% of 500 from boost expenditure.

any comments ah?

This post has been edited by !@#$%^: Apr 17 2021, 02:28 AM
coolguy_0925
post Apr 17 2021, 02:36 AM

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QUOTE(!@#$%^ @ Apr 17 2021, 02:28 AM)
anybody realized that TNG topup using saved card with description 'TNG WALLET E-COMM 2 KUALA LUMPUR MY' is counted as expenditure but not considered as e-wallet/online? i look through the terms and conditions and it did mention merchant description should be 'TNG-EWALLET'. i made 500 x 1 to boost and 500 x 4 to TNG using saved card all within statement but i only got RM25 ie 5% of 500 from boost expenditure.

any comments ah?
*
Someone mentioned in another topic that this belongs to toll charges MCC

Perhaps that explains why it is not e-wallet but expenditure
!@#$%^
post Apr 17 2021, 02:37 AM

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QUOTE(coolguy_0925 @ Apr 17 2021, 02:36 AM)
Someone mentioned in another topic that this belongs to toll charges MCC

Perhaps that explains why it is not e-wallet but expenditure
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haiya, but if card feature is ewallet topup then they should be more careful. anyway already shoot them a secure mail and see how.
coolguy_0925
post Apr 17 2021, 02:51 AM

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QUOTE(!@#$%^ @ Apr 17 2021, 02:37 AM)
haiya, but if card feature is ewallet topup then they should be more careful. anyway already shoot them a secure mail and see how.
*
I guess bank will push the MCC responsibility to merchant

For example, I used to shop at Aeon supermarket with their machine MCC were all supermarkets but someone there was one counter, I donno borrowed a machine from departmental or what, just didn't give cb for my card which is eligible for supermarket

So this case might be TnG side decided to use this toll charges MCC or when they apply for this new... whatever it calls they gave a description that eventually made the bank tied it to toll charges MCC (My guess, expert can correct this)

Anyway, as a consumer myself I hope your voices are heard by the bank and they are kind enough to grant you the cb
lowyat101
post Apr 17 2021, 09:30 AM

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QUOTE(coolguy_0925 @ Apr 17 2021, 02:36 AM)
Someone mentioned in another topic that this belongs to toll charges MCC

Perhaps that explains why it is not e-wallet but expenditure
*
i see, does it means that from now onwards, better don't use the saved card method in order to be recorded as ewallet?

ClarenceT
post Apr 17 2021, 09:35 AM

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QUOTE(!@#$%^ @ Apr 17 2021, 02:28 AM)
anybody realized that TNG topup using saved card with description 'TNG WALLET E-COMM 2 KUALA LUMPUR MY' is counted as expenditure but not considered as e-wallet/online? i look through the terms and conditions and it did mention merchant description should be 'TNG-EWALLET'. i made 500 x 1 to boost and 500 x 4 to TNG using saved card all within statement but i only got RM25 ie 5% of 500 from boost expenditure.

any comments ah?
*
Did you get 0.2% CB for TNG ?
Sure no transactions posted on statement date?

If TNG not getting 5% but 0.2%, can be a good news for some users. Ie RM1500 TNG + RM1000 online -> CB RM53

This post has been edited by ClarenceT: Apr 17 2021, 09:37 AM
!@#$%^
post Apr 17 2021, 09:37 AM

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QUOTE(ClarenceT @ Apr 17 2021, 09:35 AM)
Did you get 0.2% CB for TNG ?
Sure no transactions posted on statement date?
*
now that u mention, there is this rm4 'cash back other'. so those tng transactions confirms to be 'others' transaction. damn.
ClarenceT
post Apr 17 2021, 09:39 AM

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QUOTE(!@#$%^ @ Apr 17 2021, 09:37 AM)
now that u mention, there is this rm4 'cash back other'. so those tng transactions confirms to be 'others' transaction. damn.
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Then it is direct-debit transaction.
So RM1500 on direct debit, RM1000 on online, you will get RM50+RM3. Good news.
tan_aniki
post Apr 17 2021, 09:39 AM

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QUOTE(lowyat101 @ Apr 17 2021, 09:30 AM)
i see, does it means that from now onwards, better don't use the saved card method in order to be recorded as ewallet?
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No use, if u are lucky enough, u will get the same MCC as well without save
contestchris
post Apr 17 2021, 10:11 AM

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What is the statement cycle with RHB?
fruitie
post Apr 17 2021, 10:59 AM

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QUOTE(!@#$%^ @ Apr 17 2021, 02:28 AM)
anybody realized that TNG topup using saved card with description 'TNG WALLET E-COMM 2 KUALA LUMPUR MY' is counted as expenditure but not considered as e-wallet/online? i look through the terms and conditions and it did mention merchant description should be 'TNG-EWALLET'. i made 500 x 1 to boost and 500 x 4 to TNG using saved card all within statement but i only got RM25 ie 5% of 500 from boost expenditure.

any comments ah?
*
Looks like I will have same fate soon.. cry.gif
lowyat101
post Apr 17 2021, 11:51 AM

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QUOTE(ClarenceT @ Apr 17 2021, 09:35 AM)
Did you get 0.2% CB for TNG ?
Sure no transactions posted on statement date?

If TNG not getting 5% but 0.2%, can be a good news for some users. Ie RM1500 TNG + RM1000 online -> CB RM53
*
may i know this is for which card's promo ya?

ClarenceT
post Apr 17 2021, 12:20 PM

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QUOTE(lowyat101 @ Apr 17 2021, 11:51 AM)
may i know this is for which card's promo ya?
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RHB-Shell Visa - Monthly CB %, monthly spending >RM2500
Online - 5% capped at RM50, Others - 0.2% unlimited.
If TNG is always online -> RM50 CB
If RM1000 online + RM1500 TNG direct debit -> RM50+RM3 CB.

P/S: Before March 2019, I could play with Boost - I could choose Online or Direct Debit for Boost transactions, I was using RHB VS, If Online RM2500 then RM30 CB only, if Online RM1500 + Direct Debit RM1000 then RM30+RM2 CB. But unfortunately, after Boost upgraded in March 2019, all the Boost transactions are online so getting less CB.

This post has been edited by ClarenceT: Apr 17 2021, 12:28 PM
guy3288
post Apr 17 2021, 05:05 PM

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QUOTE(!@#$%^ @ Apr 17 2021, 02:28 AM)
anybody realized that TNG topup using saved card with description 'TNG WALLET E-COMM 2 KUALA LUMPUR MY' is counted as expenditure but not considered as e-wallet/online? i look through the terms and conditions and it did mention merchant description should be 'TNG-EWALLET'. i made 500 x 1 to boost and 500 x 4 to TNG using saved card all within statement but i only got RM25 ie 5% of 500 from boost expenditure.

any comments ah?
*
QUOTE(ClarenceT @ Apr 17 2021, 09:35 AM)
Did you get 0.2% CB for TNG ?
Sure no transactions posted on statement date?

If TNG not getting 5% but 0.2%, can be a good news for some users. Ie RM1500 TNG + RM1000 online -> CB RM53
*
My new Shell i card
Card not saved ---> TNG transaction 14.4.21 description = TNG Wallet E commerce,
i called CS check the MCC is 4784 ,
look under RHB code is e wallet.


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