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

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mamamia
post Nov 15 2021, 03:21 PM

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QUOTE(cybpsych @ Oct 7 2021, 08:16 PM)
imo, spending tier = statement cycle

as for cashback, it has been stated in T&C that posted is 1 day before (similar to Affin cards)
https://www.rhbgroup.com/files/personal/car...-Card_Terms.pdf

user posted image

user posted image
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QUOTE(tan_aniki @ Oct 7 2021, 09:34 PM)
those not posted in statement for cash back might not include in the tier as well as they got not enough time to calculate the tier cb %

for example before statement total spend = RM1400 and there is another RM100 not recorded for the cb but into statement, the cb percentage might fall under tier 1 as well
only those who face this before will know
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Update on my cashback on RHB Shell card latest statement.

My spending that posted within the statement month = RM2,200
RM200 posted 2 days after statement, RM100 posted on statement date.

Cashback tier I received for the above scenario = Tier 3, i.e. 12% on Shell Petrol & 5% on Online / eWallet / Utilities / Groceries spending.

So, I am lucky to have the Tier 3 cashback which is different than what tan_aniki has on his Visa Signature card. and it look like the spending tier is based on transaction date as the RM2500 was spent within the calendar month, but, get posted late for my last 2 transactions. Unless CashXcess amount also treated as spending? hmm.gif

Refer to screenshot of my txn list, i only have 1 petrol transaction in the statement, the cashback i received is 12% (RM79.70 x 12% = RM9.56)

This post has been edited by mamamia: Nov 15 2021, 03:23 PM


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mamamia
post Nov 15 2021, 06:06 PM

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QUOTE(tan_aniki @ Nov 15 2021, 04:34 PM)
check 26/9 got any posted txn or not, after cb credit

those txn after cb credit won't be counted and instalment repayment won't be counted as well
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QUOTE(contestchris @ Nov 15 2021, 04:51 PM)
Not possible. How about in the last two days of the previous cycle, those will count in for current cycles
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None of them cross or posted on statement date of 26th for previous cycle. Refer screenshot for Sep21 stmt

Anyway, I expect i wont get tier 3, but, RHB gave me tier 3 cashback as shown in statement.

This post has been edited by mamamia: Nov 15 2021, 06:08 PM


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mamamia
post Nov 15 2021, 06:44 PM

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QUOTE(tan_aniki @ Nov 15 2021, 06:26 PM)
Then maybe they included cashxcess into tier calculation:

user posted image

Only mentioned Balance Transfer and Cash Advance transactions excluded.
FPP or Cashxcess might not be excluded.
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If this is the case, i can spend lesser to get higher effective rate drool.gif
mamamia
post Nov 15 2021, 10:35 PM

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QUOTE(tan_aniki @ Nov 15 2021, 07:32 PM)
U can try this month and see RM2500 - cashxcess can get tier 3 again anot
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This month spent too much on 1111, already over 2500
mamamia
post Dec 10 2021, 03:18 PM

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QUOTE(MGM @ Dec 10 2021, 03:05 PM)
RM0 RHB:Congrats!U've won RM190 CASHBACK from RHB Credit Card/i e-Wallet Top Up Campaign! Continue to spend with us for more rewards! Info@ rhbgroup.com/s/E15

Wonder how is this 190 calculated?
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Guess u have participate for 11 11 double rewards as well..

RM120 + RM50 +RM 10 +RM10 > 4 times win...
mamamia
post Dec 10 2021, 04:09 PM

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QUOTE(!@#$%^ @ Dec 10 2021, 03:45 PM)
sad tng saved cards not eligible
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my Nov21 txn is from tng saved card, i just did 2 times RM1k to Tng n got RM240
mamamia
post Dec 30 2021, 04:44 PM

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QUOTE(helloguyssss123 @ Dec 30 2021, 09:36 AM)
my last spending on shell to get this 18% CB
Aug 16/8
Sept 20/9
Oct 8/10
Nov 10/11
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for Nov, i still get it for 11/11 shell spending..

QUOTE(ClarenceT @ Dec 30 2021, 04:34 PM)
Another crazy thing is RHB were giving the credits (Aug-Nov) to me, I am not NTB. Look like giving to all the RHB-Shell card users this round (Aug-Nov), not like previous round (Feb-July) to NTB but sometimes "accidentally" giving to non-NTB users in 1 or 2 months.
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Ya, suddenly got bonus... ours should be Jan-July21 acquisition...
mamamia
post Jan 12 2022, 11:42 AM

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QUOTE(beLIEve @ Jan 12 2022, 11:40 AM)
haha I don't know. I can't eat Kibbles because they reject watermarked IC and I don't like giving unwatermarked IC unless they guarantee $10k quota forever. I TNG and Shoppee only.

I'm shocked you get $60 only. I guess you must've clashed with the titans again.
Yes, OTP also I sapu. No Kibbles as above. And I got 3xx and not a full 5x$120 = $600.

I'm sure some silent gurus here got more.
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with OTP, i always wont be able to get max... this time is worst, with OTP i only get RM10.

Salute your fast and furious finger...
mamamia
post Jan 31 2022, 07:25 PM

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My Jan22 credit card statement after 1 week still not available in RHBNow as of today..
mamamia
post Feb 16 2022, 02:19 PM

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QUOTE(Kyan0411 @ Feb 16 2022, 02:17 PM)
RM0 RHB:Congrats!U've won RM20 CASHBACK from RHB Credit Cards e-Wallet Top Up Campaign! Continue to spend with us for more rewards!Info@ rhbgroup.com/s/EW15

This is by far the worst month i have
Not sure this one is for normal days or whole month
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This is for Jan22 month. U did 2 times top up? Guesss u only get the 5% cap at RM10 / txn
mamamia
post Feb 16 2022, 02:27 PM

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QUOTE(Kyan0411 @ Feb 16 2022, 02:20 PM)
I did at 12am sharp still get rm10 only sigh...
im hoping for the special days like 26/1 and 31/1 ...
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u mean ur 2 txn was made on 26 & 31 Jan? the special days are too competitive, the most can only get RM15.
mamamia
post Feb 16 2022, 03:08 PM

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QUOTE(cucikaki @ Feb 16 2022, 02:42 PM)
RM0 RHB:Congrats!U've won RM240 CASHBACK from RHB Credit Cards e-Wallet Top Up Campaign! Continue to spend with us for more rewards!Info@ rhbgroup.com/s/EW15

Does this include the special days?

It’s either 120x2 or 60x4
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from my winning of RM185, i can confirm it include special days as I only do 3 days.

1 day without OTP - RM120
1 day with OTP - RM50
1 special day - RM15
mamamia
post Mar 29 2022, 11:34 AM

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The eWallet campaign no more extension right? Last I recon was until March 2022 only
mamamia
post Apr 25 2022, 07:41 PM

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QUOTE(revolution @ Apr 25 2022, 04:47 PM)
anyone have RHB Smart account here?
For the PAY category, if i breakdown bills and pay 3 times does it only count as once?
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Count as 3
mamamia
post Jun 27 2022, 11:09 PM

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QUOTE(hwachong @ Jun 26 2022, 08:43 PM)
anyone got charged the annual fee for RHB shell? I thought it will be waived with 24 swipe a year
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Me, need to send secure msg to them, charge in last statement n reverse in this statement
mamamia
post Aug 19 2022, 04:43 PM

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QUOTE(contestchris @ Aug 19 2022, 03:34 PM)
Damn, I missed that. Thought it was capped at RM20 per transaction, but max 4 transactions per person.

user posted image

Especially how RHB in their example also shows 4 separate transactions.
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can get RM20 already happy.
mamamia
post Sep 29 2022, 06:07 PM

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QUOTE(helloguyssss123 @ Sep 28 2022, 08:28 AM)
i also kena twice, so far pbb CS is the best, they call me immediately when they notice someone spend USD on facebook. At the end, no transaction posting and get replacement card.

But affin card only receive sms and posted in statement. I need to call CS, and waiting 180 days to get back.
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For my affin fraud case, no sms at all. just notice that when i check my online banking which was a posted transaction. doh.gif
mamamia
post Nov 15 2022, 10:15 PM

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QUOTE(TendouSouji @ Nov 15 2022, 04:38 PM)
Hi guys, I just got offered this cash xcess programme with 0% interest. I'm curious what does the bank gain from this? Its like borrowing money to us and expecting no returns. Only need to pay back the same amount in the said tenure.
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U just apply new card with them?
mamamia
post Jun 16 2023, 04:37 PM

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QUOTE(lowyat101 @ Jun 16 2023, 02:45 PM)
For the calculation of the monthly spend amount, will the smart move balance transfer be added into the calculation?

found that it's not written inside the t&c

thanks
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yes
mamamia
post Jul 27 2023, 03:15 PM

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QUOTE(poweredbydiscuz @ Jul 27 2023, 07:41 AM)
Didn't receive cashback on my cashback cc again like last month. Statement date 26th.
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QUOTE(poweredbydiscuz @ Jul 27 2023, 01:26 PM)
Let's do an experiment. This time I call and you don't call. See if that makes any difference  tongue.gif
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same statement date, no cashback as well... guess need to wait few more days like last month... last month i didnt check on time, when i login few days later, already notice the cashback credited.
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