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

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Optizorb
post Jul 21 2025, 09:46 AM

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QUOTE(cybpsych @ Jul 21 2025, 09:03 AM)
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?
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rhb cashback CC, the normal one..

so does it mean if fall under "Spotify PXXXXXXX Stockholm SE" then no longer under utility category?

I wonder if we can ask rhb why there's discrepancy and whether they will reimburse cashback for those Spotify PXXXX transactions..

This post has been edited by Optizorb: Jul 21 2025, 09:48 AM
ck8811
post Jul 21 2025, 11:09 AM

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QUOTE(cybpsych @ Jul 4 2025, 06:10 PM)
ANNOUNCEMENT: Enhanced Benefits for the RHB Shell Visa Credit Card/-i

Thanks to williamyl for his post earlier  thumbup.gif

FAQ | Updated Conventional T&C | Updated Islamic T&C | Example Calculation

user posted image

user posted image
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I just planned to get this card, and luckily i saw this, the new tnc seems vague on minimum spend per category, does it mean
-i have to achieve all categories minimum spend to be entitled for cash back? Or
-i have to achieve minimum spend for a category to be entitled for that category cash back
Maybe some existing user can share after their aug25 statement is out?

Kr0ll3R
post Jul 21 2025, 11:18 AM

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QUOTE(ck8811 @ Jul 21 2025, 11:09 AM)
I just planned to get this card, and luckily i saw this, the new tnc seems vague on minimum spend per category, does it mean
-i have to achieve all categories minimum spend to be entitled for cash back? Or
-i have to achieve minimum spend for a category to be entitled for that category cash back
Maybe some existing user can share after their aug25 statement is out?
*
First, you will need to hit the min. spending tier to unlock the CB for each category.
Followed by the min. spend of the category respectively.

You may refer to dimgai's post and play around with the table. You'll get it.
QUOTE(dimgai @ Jul 4 2025, 04:34 PM)
I've updated a google sheet with the details. you can check the adjusted cashback using the table.

Enchanced RHB shell visa (starting 28 July 2025)

user posted image
save a copy if you want
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cybpsych
post Jul 21 2025, 12:02 PM

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QUOTE(Optizorb @ Jul 21 2025, 09:46 AM)
rhb cashback CC, the normal one..

so does it mean if fall under "Spotify PXXXXXXX Stockholm SE" then no longer under utility category?

I wonder if we can ask rhb why there's discrepancy and whether they will reimburse cashback for those Spotify PXXXX transactions..
*
rbh cb MCC list

https://www.rhbgroup.com/-/media/Assets/Cor...RD_MCC-Code.pdf


you can dispute, but the t&c stated:

3.11. The assignment of the MCC for a Partner Merchant is subject to the classification by the Partner
Merchant’s Acquiring Bank that is providing the credit card terminal. It is the responsibility of the
particular Acquiring Bank to assign the correct MCC. RHB Bank will not be held responsible for
any incorrect assignment of the MCC by any Partner Merchant’s Acquiring Bank that may result in
non-posting of the Cash Back for the retail transactions with the Partner Merchants unless such
incorrect assignment of the MCC and/or such non-posting of the Cash Back is/are due to the act,
omission, default, negligence and/or misconduct on the part of RHB Bank and/or any of its
employees, representatives and agents..

ideaplus
post Jul 21 2025, 06:13 PM

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QUOTE(MGM @ Jul 20 2025, 09:59 PM)
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.
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I don't have PBB, but I have Aeon Wallet and its credit card.
I just tried one merchant QR, but the wallet prompt was unsuccessful (Error Code W20192 - Duitnow is not supported)
Have you tried and succeeded before?
beLIEve
post Jul 21 2025, 07:07 PM

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QUOTE(MGM @ Jul 20 2025, 09:59 PM)
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.
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I tried that a few months ago, can. if i don't have memory leak, merchant QR was issued by RHB.
MGM
post Jul 21 2025, 07:16 PM

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QUOTE(ideaplus @ Jul 21 2025, 06:13 PM)
I don't have PBB, but I have Aeon Wallet and its credit card.
I just tried one merchant QR, but the wallet prompt was unsuccessful (Error Code W20192 - Duitnow is not supported)
Have you tried and succeeded before?
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Just tried today n got the same error.
MGM
post Jul 21 2025, 07:24 PM

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QUOTE(beLIEve @ Jul 21 2025, 07:07 PM)
I tried that a few months ago, can. if i don't have memory leak, merchant QR was issued by RHB.
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The one i tried d merchant using Maybank QR but RHB app doesnt allow cc.
Then i tried with MAE but only CASA allowed, no option to even choose cc unlike PBB & Aeon app.
Then i tried PBB app, allow to choose cc but upon payment it failed with DN status code U301. Amount debited then reversed as shown in history.
Skeuomorphic
post Jul 22 2025, 09:49 AM

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they sent out email for the revised tnc

» Click to show Spoiler - click again to hide... «


This post has been edited by Skeuomorphic: Jul 22 2025, 09:50 AM
contestchris
post Jul 22 2025, 10:28 AM

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How is it "enhanced"? It's a petrol branded card with an incredibly low cashback capping for petrol. Crazy!
hotmission
post Jul 22 2025, 11:46 AM

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RHB Shell VISA revision is a total disaster. Now to include oversea spending on a petrol card. Any alternatives?
cybpsych
post Jul 22 2025, 02:04 PM

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QUOTE(hotmission @ Jul 22 2025, 11:46 AM)
RHB Shell VISA revision is a total disaster. Now to include oversea spending on a petrol card. Any alternatives?
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refer recent posts here https://forum.lowyat.net/topic/4161836/latest
sony1984 P
post Jul 22 2025, 06:06 PM

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Really sad SHELL CARD change the rule
I go to basic Cash Back card is better.
bakkeong
post Jul 23 2025, 07:39 AM

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shell visa cc
last statement b4 revised
spent 1429.7 (4089.91 with cash excess installement as filler)
no cb

saw red book others also same no cb

This post has been edited by bakkeong: Jul 23 2025, 08:04 AM
Gabriel03
post Jul 23 2025, 08:05 AM

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QUOTE(bakkeong @ Jul 23 2025, 07:39 AM)
shell visa cc
last statement b4 revised
spent 1429.7 (4089.91 with cash excess installement as filler)
no cb

saw red book others also same no cb
*
could be a system glitch. It'll appear tmr

This post has been edited by Gabriel03: Jul 23 2025, 08:57 AM
nexus2238
post Jul 23 2025, 08:14 AM

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QUOTE(bakkeong @ Jul 23 2025, 07:39 AM)
shell visa cc
last statement b4 revised
spent 1429.7 (4089.91 with cash excess installement as filler)
no cb

saw red book others also same no cb
*
Yes, previously cb appeared on statement date.
This month (22 July 2025) cb have not shown up.
Wait and see.

Anyway, I will cancel RHB Shell as soon as cb is in cool2.gif
beLIEve
post Jul 23 2025, 08:32 AM

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Visa Signature also cashback not in. Pay-tience
contestchris
post Jul 23 2025, 08:37 AM

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This month RHb have many system issues. Even the RHB Smart Account interest was credited much later than promised
joshuaa85
post Jul 23 2025, 09:43 AM

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statement 22/7, no CB.
LostAndFound
post Jul 23 2025, 10:01 AM

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QUOTE(bakkeong @ Jul 23 2025, 07:39 AM)
shell visa cc
last statement b4 revised
spent 1429.7 (4089.91 with cash excess installement as filler)
no cb

saw red book others also same no cb
*
QUOTE(Gabriel03 @ Jul 23 2025, 08:05 AM)
could be a system glitch. It'll appear tmr
*
QUOTE(nexus2238 @ Jul 23 2025, 08:14 AM)
Yes, previously cb appeared on statement date.
This month (22 July 2025) cb have not shown up.
Wait and see.

Anyway, I will cancel RHB Shell as soon as cb is in  cool2.gif
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QUOTE(beLIEve @ Jul 23 2025, 08:32 AM)
Visa Signature also cashback not in. Pay-tience
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QUOTE(joshuaa85 @ Jul 23 2025, 09:43 AM)
statement 22/7, no CB.
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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.

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