Haha not many credit cards now can give you RM50 for spending RM3000.

hmm but i can spend petrol with UOB with better overall return. dilemma 😁
think gonna keep this card for BT only.
anyone has clue if TNG pin still count? thanks.

I am going for 50/2000, seem better.
2.5% CB

before 100/2500.
Reducing from 4% to 2.5%.

Shell 600 (5%) - RM30
TNB 500 (2%) - RM10
Online 500 (2%) - RM10
Other Filler 400

This post has been edited by sjz: Jul 10 2025, 10:57 AM

New scheme combined Online & E-wallet
Can I know what is ONLINE?
Try to figure out the best combination according to my spending pattern

You pay to local merchants (must be "MY") online (Web/App) normally with OTP / Secure Plus verification,
Eg Shopee Malaysia, AirAsia Malaysia (AK/D7)...
EXCEPT Jompay/FPX, government-related transactions (eg online payment to DBKL, JPJ), direct debit
And selected MCCs (Utilities, Groceries) (for RHB Shell Visa only)

This post has been edited by ClarenceT: Jul 10 2025, 11:47 AM

RM50/RM2000 or RM60/RM3000 would probably fit my spending pattern

This post has been edited by ideaplus: Jul 10 2025, 12:10 PM

Gocery how u can buy gam gam rm250, if not, more rugi

i'll skip grocery as 2% is too low.
i use my other 3% pay wave cb card for grocery

This post has been edited by sjz: Jul 10 2025, 12:25 PM

I doubt anyone can spend exactly the required amount
And I mostly buy my groceries online, except for some fresh fruit.
Shall opt for some other CC that can match my spending pattern.

Why must gam gam, more a bit cannot meh.

lotus i use Truemoney lo
aeon use aeonwallet got vouchers normally
😆
anyway uobone easier target rm1500 & rm800 got makan category lagi. 😛

The minimum spend for each category is crazy

For me, 100% not going to use the card anymore. Doesn't worth my time to keep track on the expenses over so many different categories. Just keep one card for BT promotion.

As much as I want to cut it, I still need to spend RM1k per month to maximize the RHB Smart bonus interest rates, at least until the end of the year.

is there any early settlement penalty for RHB BT?


oh no, i forgot about this... so, die die need to spend...

maybe get other rhb cards that better suit your spending

just canceled both conventional and islamic shell card. just restrain the VS

i c all other RHB card also have tier spending requirement. Unless other cards allow BT installment as filler spend, otherwise, the effective rate are more or less the same...

So, maybe i just top up 1000 to ewallet for RM10 cb...

it has discussion group for this? it seem can get 6.85% inrerest. so high.

Click on it to see it's not easy to get that high interest. A lot of requirement.