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

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ClarenceT
post Jul 17 2025, 12:09 PM

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QUOTE(mamamia @ Jul 17 2025, 12:07 PM)
ya, based on FAQ only mentioned transaction posted b4 28th July is using existing benefits to calculate cashback, but, the example given shown statement spend is above 3k, total eligible spend also above 3k, so, really hit n miss, didnt clearly stated if below 3k, those transaction posted b4 28th July still can get the highest tier cb, since the spending requirement is based on statement month... maybe will be like PBB, need to argue to get...
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Spend +RM500 after 28/7 (so monthly spend >RM3000). Nothing to lose.
mamamia
post Jul 17 2025, 12:11 PM

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QUOTE(ClarenceT @ Jul 17 2025, 12:09 PM)
Spend +RM500 after 28/7 (so monthly spend >RM3000). Nothing to lose.
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current feature only spend 1000 online + 420 shell to get RM100 cb, balance 1080 is from BT installment..

so, if new feature, need to spend additional 1580, not 500 blush.gif
williamyl
post Jul 17 2025, 01:41 PM

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QUOTE(mamamia @ Jul 17 2025, 12:07 PM)
ya, based on FAQ only mentioned transaction posted b4 28th July is using existing benefits to calculate cashback, but, the example given shown statement spend is above 3k, total eligible spend also above 3k, so, really hit n miss, didnt clearly stated if below 3k, those transaction posted b4 28th July still can get the highest tier cb, since the spending requirement is based on statement month... maybe will be like PBB, need to argue to get...
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I think a lot people share the total spend for the statement must exceed RM3K if you have cash rebate RM50.
Than please spend RM3050 after your rebate is in to make sure your statement is not less than RM3000 after rebate RM50.
ClarenceT
post Jul 17 2025, 01:45 PM

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QUOTE(williamyl @ Jul 17 2025, 01:41 PM)
I think a lot people share the total spend for the statement must exceed RM3K if you have cash rebate RM50.
Than please spend RM3050 after your rebate is in to make sure your statement is not less than RM3000 after rebate RM50.
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That's Affin.

For RHB Shell, "monthly total eligible spend" >RM3000, nothing to do with the statement balance.
Skeuomorphic
post Jul 17 2025, 05:38 PM

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they're starting to send this out

user posted image
azlim
post Jul 17 2025, 06:30 PM

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QUOTE(Skeuomorphic @ Jul 17 2025, 05:38 PM)
they're starting to send this out

user posted image
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110 x 12 icon_idea.gif
zairejerry88
post Jul 17 2025, 08:38 PM

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QUOTE(mamamia @ Jul 17 2025, 12:11 PM)
current feature only spend 1000 online + 420 shell to get RM100 cb, balance 1080 is from BT installment..

so, if new feature, need to spend additional 1580, not 500  blush.gif
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i didnt know that BT installement is considered as retail spending.. you confirm about this?
effectz
post Jul 17 2025, 11:36 PM

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What's most disappointing with new scheme is low cashback for petrol 😔 waiting for my mbb petronas ikhwan visa
Haloperidol
post Jul 18 2025, 12:21 AM

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tbh, if capped at 30 for shell petrol, what for...
mass cutting of rhb card in next 2 month
contestchris
post Jul 18 2025, 12:27 AM

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She’ll doesn’t wanna subsidize anymore
ineser
post Jul 18 2025, 09:03 AM

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QUOTE(Skeuomorphic @ Jul 17 2025, 05:38 PM)
they're starting to send this out

user posted image
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It directs to here
mamamia
post Jul 18 2025, 09:32 AM

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QUOTE(zairejerry88 @ Jul 17 2025, 08:38 PM)
i didnt know that BT installement is considered as retail spending.. you confirm about this?
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yes, have been getting full cashback with 1420 spending with BT installment as filler spend, that's y new feature revised and specially spell out BT no longer treated as retail spending...
dimgai
post Jul 20 2025, 07:46 PM

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QUOTE(beLIEve @ Jul 20 2025, 07:37 PM)
dimgai the maybank2me cards divide by 3k? Usually people dont spend on unrelated and no cashback categories.
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very true. I am very puzzled as well

i input my numbers into my own googlesheet calculator, it updates all 200+ cards and just list down all cards without considering 1 more important step: "max CB and proceed to next card" which i dont know how to do that.

please let me know whats the command/functions i can add into my googlesheet to enhance it. thanks
LostAndFound
post Jul 20 2025, 08:33 PM

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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).
beLIEve
post Jul 20 2025, 09:35 PM

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QUOTE(dimgai @ Jul 20 2025, 07:46 PM)
very true. I am very puzzled as well

i input my numbers into my own googlesheet calculator, it updates all 200+ cards and just list down all cards without considering 1 more important step: "max CB and proceed to next card" which i dont know how to do that.

please let me know whats the command/functions i can add into my googlesheet to enhance it. thanks
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ohhh your spreadsheet. I guess that's why i usually prefer manual input instead of automation.
MGM
post Jul 20 2025, 09:59 PM

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Can we use rhb app to scan merchant's QR & pay merchant using credit card?
Public bank & Aeon wallet apps allow that but not UOB, MAE apps.
Optizorb
post Jul 21 2025, 04:16 AM

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i never pay attention to it before, but i just found out sometimes Spotify can get cashback under utility and sometimes doesn't get cashback under utility..

anyone knows what's up? and this made me check my statements all the way back from Oct 2024 >> July 2025..

Found for spotify cb under utility, the last 10 months: 5 get, 5 no get.

Oct 24 = no get
Nov 24 = get
Dec 24 = get
Jan 25 = get
Feb 25 = no get
Mar 25 = no get
Apr 25 = no get
May 25 = get
Jun 25 = get
July 25 = no get

what i noticed on the months i get cb for spotify, in statement stated = Spotify Stockholm SE RM24.90
user posted image

what i noticed on the months i didnt get cb for spotify, in statement stated = Spotify P3865FF8A8 Stockholm SE RM24.90
user posted image


EDIT: to add, it is auto-billing and auto-debited on the 8th every month..



This post has been edited by Optizorb: Jul 21 2025, 08:45 AM
contestchris
post Jul 21 2025, 08:13 AM

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QUOTE(Optizorb @ Jul 21 2025, 04:16 AM)
i never pay attention to it before, but i just found out sometimes Spotify can get cashback under utility and sometimes doesn't get cashback under utility..

anyone knows what's up? and this made me check my statements all the way back from Oct 2024 >> July 2025..

Found for spotify cb under utility, the last 10 months: 5 get, 5 no get.

Oct 24 = no get
Nov 24 = get
Dec 24 = get
Jan 25 = get
Feb 25 = no get
Mar 25 = no get
Apr 25 = no get
May 25 = get
Jun 25 = get
July 25 = no get

what i noticed on the months i get cb for spotify, in statement stated = Spotify Stockholm SE 24.90

what i noticed on the months i didnt get cb for spotify, in statement stated = Spotify P3865FF8A8 Stockholm SE 24.90
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Is the mode of payment the same? App vs website. Auto-billing vs manual billing etc.
Optizorb
post Jul 21 2025, 08:35 AM

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QUOTE(contestchris @ Jul 21 2025, 08:13 AM)
Is the mode of payment the same? App vs website. Auto-billing vs manual billing etc.
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yes all same, it's auto-billing/auto-debited every month
cybpsych
post Jul 21 2025, 09:03 AM

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QUOTE(Optizorb @ Jul 21 2025, 04:16 AM)
i never pay attention to it before, but i just found out sometimes Spotify can get cashback under utility and sometimes doesn't get cashback under utility..

anyone knows what's up? and this made me check my statements all the way back from Oct 2024 >> July 2025..

Found for spotify cb under utility, the last 10 months: 5 get, 5 no get.

Oct 24 = no get
Nov 24 = get
Dec 24 = get
Jan 25 = get
Feb 25 = no get
Mar 25 = no get
Apr 25 = no get
May 25 = get
Jun 25 = get
July 25 = no get

what i noticed on the months i get cb for spotify, in statement stated = Spotify Stockholm SE RM24.90
user posted image

what i noticed on the months i didnt get cb for spotify, in statement stated = Spotify P3865FF8A8 Stockholm SE RM24.90
user posted image
EDIT: to add, it is auto-billing and auto-debited on the 8th every month..
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SPOTIFY Pxxxxxxxxx STOCKHOLM SE using MCC 5815: Digital Goods Media - Books, Movies, Digital Artwork/Images, Music

SPOTIFY STOCKHOLM SE mixture, using MCC 5815 or MCC 4899: Cable, Satellite and Other Pay Television/Radio/Streaming Services


also, you didnt mention which RHB card was used?

This post has been edited by cybpsych: Jul 21 2025, 09:04 AM
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