i've RHB Shell conventional, can i apply for islamic and enjoy 2 cashback? n wat about the BT/ CashXcess campaign, am i consider as New cardholder for islamic? n there will not be any "rebate" for SST right?

ooo, i thought will get 2 cashback... if combine, then, not worth to apply...

i check with RHB telesales, was told cashback is separate... have proceed to apply, let's c if i get separate cashback... as i applied like new customer way, need to submit income doc n fill up the form...

1. No change, but advise to cancel it if u don’t intend to activate/ use the credit card..
2. Similar to shell card, tier spending for different categories but cashback capping lower..
3. EWallet top up, online purchase at e-commerce etc.. check out the exclusion for different card tnc

Hi sifu, for RHB Shell card, the tier spending of 2500 not necessary all must be the cashback category am I right? Understand gov spending not entitle for cashback, but, is gov spending can be use to hit the spending tier? If yes, I've gov spending posted on statement date, can it be treated as next month spending requirement to hit the max cashback tier?

oo, this is the first time i use RHB card for government spending, n so coincidence it posted on statement date, as this is big amount, if can c/f to next month spending will be good... wonder any others can share their experience on this:
1. whether government spending is qualified as part of filler spends to meet tier spending
2. whether this filler spends (whether this gov/ non-gov txn) can be c/f to next month as filler spend if posted on current month statement date. I remember i c somewhere sharing they use FPX txn as cumulative spending to meet tier spending for RHB shell...

is ur 2 shopeepay txn is counted as tier spending for ur Sep23 statement to get the tier spending cashback?

Hmm.. because we need to hit 2500 spending to be eligible for 12% Shell cashback & 5% on those online/ utilites/ ewallet etc. so, for ur statement dated 22 Sep, do u spend another 2500 (posted between 22 Aug - 21 Sep)? Or u count the 2 shopeepay txn as part of 22 sep statement spending?

currently my credit card statement is sent to my email, may i know how can i change it to download in the online banking? the new website seem like don have the option to convert from email to online banking download.

Pm me too if there is.. thanks

PBB also got? But it will treated as payment via www.pbebank.com right?

me too no receive, most likely due to i'm late to the party, only apple-paid in Jun24

Separate

that is new cardholder benefits, whack to the max... as it is only 1 time offer... no hidden charges unless u pay late which will charge u interest

if ur council bill can pay at Lazada/ shopee

i only get RM30, i dunno whether i really camp for it during that time...

yes, it will be filler for next statement.

min spend 250 to get RM10, effective rate is only 4% for groceries n Utilities... min spend for ewallet 500 with cb capped RM10, effective rate 2%

new TnC clearly mentioned excluded now, so really not useful card anymore

The following transactions are expressly excluded from Monthly Total Eligible Spend calculation and no Cash Back will be granted:
3.6.1 CashXcess;
3.6.2 Balance Transfer;
3.6.3 Dial-An-Instalment, Balance Conversion or Auto Balance Conversion instalments;
3.6.4 Cash Advance;
3.6.5 Instalment plans (for example Smart Instalment Payment Plan);
3.6.6 Quasi Cash (for example gambling / betting, cryptocurrencies);
3.6.7 Annual Card Membership fees, Interest, Late payment charges, Card Service Tax (CST) and/or any
applicable taxes imposed from time to time;



Existing TnC just said no cashback, but new tnc said excluded as eligible spend

The following transactions are expressly excluded and no Cash Back will be granted for such using the Card:
3.4.1 Petrol transactions for brands other than Shell.
3.4.2 Balance Transfer, Cash Advance transactions;
3.4.3 Quasi Cash transactions (Example: Betting, Gaming transactions);
3.4.4 Annual Card Membership fees, Interest, Late payment charges, Card Service Tax (CST)
and/or any applicable taxes imposed from time to time.
3.4.5 Payment to charity/Social service organisations under MCC 8398.
3.4.6 Any government related payments under designated MCC as below:-

This post has been edited by mamamia: Jul 4 2025, 06:20 PM

so, if statement date b4 28th, need to spend asap to make sure it posted by 27th July to enjoy the last benefits... But, guess the minimum spend requirement will still follow 3k..

also, not sure what is the Duitnow Transactions under eligible spend... how to use Duitnow transaction with CC?