RHB website seems down, so even any transaction online seems like cannot right now.

My topup pin only came in the evening. RHB called me back (I called to complain in the morning) the next day. The customer service officer said the system had a problem on that day itself, but it had already been fixed. I could then do 5 in a row no problem

If you filled the form digitally and sent to them, you have your copy to prove if the staff added anything. Just inform the bank on that fact and the problem will magically disappear.

Have not applied supplementary from RHB ever, but I'd be surprised if the default form has 'built-in' that you need to opt out. Definitely manipulative and will trigger complaints to Bank Negara. Another possibility is that the bank officer 'help' you to check an option.

Definitely everything must read before signing. I suggest you bang table at the bank and ask why there's an option that you didn't select yourself. Ask them to show you the form and then see if its actually 'default' or marked. If marked, then some bank officer tricked you, ask for action to be taken.

Won't go through unless your name same (or maybe they check IC?)

Thought was referring to balance transfer.

For paying CC anyone can (but name would be shown before approving transfer).

Posonline not every bill can use credit card ya....

SPaylater means you... pay a bit later.

Another advantage (I think, haven't tried) is that ShopeePay got 4999 ringgit per month cap. If you're hitting this cap, I think SPaylater is a separate cap not affecting this.

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.

That doesn't explain the RM1080 though (this is the one that really confusing).....

No additional charges from RHB side for using this. The pin will arrive in your SMS. When reloading the pin to TNG TNG will ask whether you want to pay 1% to them or not.

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.

You can decide if that's worth it, or better to just pay the 1% charge.

Yes it's legit. They will try to hardsell you on something or other, whether investment or holiday plan/subscription or whatever.

The thing they hardsell you is the scam. But you can just say "not interested". They will give you the voucher anyhow.

That being said... those vouchers are normally just one night stay. Cash value seems like a lot, but if you're the sort who won't add on another night or so (in which case its no longer free) then you may feel waste time to do all the holiday prep work just for one night.

Depends on you. When I was younger (late 20s) every few months someone would offer. At that time we take only, me and my wife go enjoy one day holiday. But tiring and after a while we don't bother anymore. If we plan holiday we prefer to choose our location and timing, and have a longer stay (at least 3 days). Also the relative worth is less now because financially better off then when starting out and have to count every cent.

For me only you will know whether the time spent (your main cost) is worth it. If you're working in audit no day no night then maybe not worth it la. My industry flexible timing so I had no issue to go listen to hard selling. Just have to discipline to say no thanks, please give me my voucher.

They won't refuse to give voucher one, not worth it for them. The voucher itself probably got restrictions (cannot use during peak period etc).

No it does not. But it counts as filler, which is still needed for Shell (1000 online, 416.67 for shell spend, still need >1000 other filler spend).

What other transaction you had?

My most recent statement (yesterday) I had RM50 cash back bonus and RM22.37 petrol bonus. Total spending (excluding balance transfer with 2875 monthly amount) was 1.2k thereabouts only. So unless cashxcess and BT count differently.....

This post has been edited by LostAndFound: May 24 2025, 09:53 AM

Hmm weird, I'm pretty sure if balance transfer you would have gotten RM50 + RM50. Currently your cashback looks like the cashxcess totally not 'seen' as part of total.

One possibility is that since its only the first month it is supposed to be in next month? Must wait for other CashXcess users to chime in, I don't use it so not sure at all.

Why search for online, ewallet top-up is the easiest way to meet that criteria (or SPayLater if that fits your spending pattern).

Problem is how to hit the groceries minimum RM250 (I already have multiple UOB One cards with 10% much easier to get). Even utilities RM250 sounds reasonable unless you already have something else reducing your utilities bill (e.g. solar).

Also another stupid thing... even the unlimited category got minimum spend!

My conclusion is just...this card isn't for me anymore unfortunately.

How come UOB One Platinum isn't in consideration?

Even if ignoring the Grab amount, RM15 each for petrol, groceries, dining would get RM45 (min spend RM1500).

I called customer service and they confirmed system issue which they 'just noticed' (meaning customers call/email in to complain). Lady said they have raised the issue and will inform us when rectified.