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

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Human Nature
post Jun 20 2013, 10:02 AM

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Cross posting from the General Question thread.

I intend to apply this RHB card but the form requires my consent for disclosure of information for marketing, promotional purposes to persons or third parties as the bank may deem fit, and a lot other clauses.

Just wondering if anyone of you ever tick no, and your application is still approved? I find the terms required by RHB to be more than other banks.
Human Nature
post Jun 20 2013, 10:31 AM

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QUOTE(ronnie @ Jun 20 2013, 10:11 AM)
I think you can tick NO... and still get your details "sold" to marketing companies.
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Haha, very true doh.gif
Human Nature
post Jun 20 2013, 06:59 PM

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QUOTE(ronnie @ Jun 20 2013, 04:06 PM)
There's no link about the unlimited 5% cash-back (ends 31 Dec 2013) for online and overseas transactions.
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May I know from where do you get this info? Need to save it for future reference. Unlimited 5% is like thumbup.gif
Human Nature
post Jun 20 2013, 09:11 PM

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QUOTE(ronnie @ Jun 20 2013, 08:40 PM)
Check the image I posted a few post above
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Right click, saved. 5% for overseas and online transaction, unlimited.
Human Nature
post Jun 21 2013, 02:50 PM

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QUOTE(ronnie @ Jun 21 2013, 02:47 PM)
I'll cancel the card by June/July 2014 .... simple !!!
Also because the 5% unlimited offer ends in 31 Dec 2013.... Maybe cancel early 2014 unless there's extension to their promo.
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Same biggrin.gif
I am sending my application through email today too laugh.gif
Human Nature
post Jun 21 2013, 05:03 PM

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QUOTE(ronnie @ Jun 21 2013, 03:01 PM)
Which email you send to ?
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customer.service@rhbgroup.com

I asked for the T&C for the 5% campaign but was given the normal card disclosure instead.
Human Nature
post Jun 21 2013, 09:09 PM

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QUOTE(ronnie @ Jun 21 2013, 08:29 PM)
The CS who replied me said RHB Signature Card not entitled to RM150 Cash Back sad.gif
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print screen the facebook reply
Human Nature
post Jun 23 2013, 02:20 PM

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For RHB, one principal card can have how many supp cards?
Human Nature
post Jun 23 2013, 11:51 PM

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QUOTE(fly126 @ Jun 23 2013, 11:44 PM)
You Can Apply Up to 5 Supp. Cards (Extended to Your Spouse, Children & Immediate Family Member, Who are 18 Years & Above)
It's State in the Letter of RHB Card Welcome Pack, Which is Sent Together with the NEW Card... nod.gif
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alright, thank you! i guess the supp application form will be there as well biggrin.gif
Human Nature
post Jun 24 2013, 10:17 AM

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QUOTE(arthur88 @ Jun 24 2013, 09:04 AM)
now just waiting to december to come and cancel my RHB travel money cc....
being cheated on 5% cash back...well, my first ever cc...no experience at all...
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Can elaborate on what happen? which 5% cashback and why being cheated?
Human Nature
post Jun 24 2013, 10:34 AM

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icic, be careful with agents in future and always check with the bank's website
Human Nature
post Jun 24 2013, 08:37 PM

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QUOTE(Human Nature @ Jun 21 2013, 05:03 PM)
customer.service@rhbgroup.com
Apparently card application cannot be sent through this channel. Was advised to submit to the nearest branch.
Human Nature
post Jun 24 2013, 09:37 PM

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Hope i remember to ask for a free gift biggrin.gif
Human Nature
post Jun 24 2013, 11:15 PM

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QUOTE(ronnie @ Jun 20 2013, 08:02 AM)
Features
- Unlimited 1% Cash Back on all online and overseas transactions
- 0.5% Cash Back on all other transactions [Max rebate RM200 per month, or RM40k spends per month]
- RM50 Cashback for 1st swipe within 45 days.
I don't understand one thing. I inquire further on the T&C for the 5% cash back, and I was informed that after 31 Dec 2013, the percentage will be back to the one that stated in the terms and condition:

http://www.rhb.com.my/cards/credit-card/pd...nature-card.pdf

And I found these clause:
QUOTE
3. Subject to the terms stated herein, the Cardmembers shall be eligible for Cash Back rewards pursuant to the following terms and conditions:-
3.1 One per centum (1%) Cash Back is awarded to the Cardmembers as an Award for the following:
3.1.1 For Overseas purchases.
3.1.2 For Online shopping or e-Commerce purchases.

3.2 Half per centum (0.5%) Cash Back is awarded to Cardmembers as an Award for any purchases (other than Overseas and e-Commerce purchases).

3.3 Subject to Clause 3.2, both Principal and Supplementary Cardmember’s Cash Back will be accumulated to a maximum limit of fifty Ringgit Malaysia (RM50) for each Principal Card account for each month.


But as pointed at post #2 and from website, for other transactions catogery, Cash Back is capped at RM200 per month, per customer (excludes Petrol, Government, Cash Advance & Charity transactions). So one contradiction there.


Also, may I know where do you get the info about 'RM50 Cashback for 1st swipe within 45 days' from? It would be strange to have them giving us double cashback promo?

From the RM150 campaign T&C, clause 6:
QUOTE
SUBJECT to these Terms and Conditions, the Applicant whose application is successfully approved by RHB on or before 17 August 2013 will receive a RM150 Cash Back upon first swipe of minimum RM100 within 45 days from card opened date (“Cash Back”) provided that the completed physical application form is submitted, together with such clear and readable supporting documents as may be requested by RHB at its absolute discretion.

Human Nature
post Jun 24 2013, 11:34 PM

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Alright, let's hope both of us can get the RM50 + RM150 biggrin.gif
Human Nature
post Jul 1 2013, 11:20 PM

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QUOTE(ronnie @ Jul 1 2013, 11:03 PM)
Finally my RHB Signature Card is approved... about 1 week from submission date. Now waiting for the card to arrive.
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Nice. I called today to check on my Thursday's submission and it is already in the processing stage.
Human Nature
post Jul 2 2013, 01:08 AM

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QUOTE(jasontoh @ Jul 2 2013, 12:18 AM)
I thought is unlimited 1%?  hmm.gif
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Promo till end of 2013, refer to 1st page.

QUOTE(cactus1 @ Jul 2 2013, 12:18 AM)
The 150 cash back applicable for existing rhb card holder?
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Nope
Human Nature
post Jul 3 2013, 12:05 AM

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QUOTE(guy3288 @ Jul 3 2013, 12:03 AM)
Question is what online transaction is accepted for that unlimited 5% CB!

Important thing is RHB gives online bill payments unlimited 5% or better still all online payments including insurance.

Please let us know if any online transactions get 5%.

What are the documents  you guys submitted.

I was told 3 months salary slip, front/back IC and EPF statement from RHB EPF kiosk. Still waiting for that EPF kiosk to work.  Lousy machine here usually offline , "temporary out"........
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unable to find the T&C for what constitute online transactions.

As for the docs, refer to the last page of the application form. There are several categories.
Human Nature
post Jul 4 2013, 12:34 AM

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QUOTE(ronnie @ Jul 4 2013, 12:22 AM)
The only fluke is how do RHB determine it's an online transaction ?
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The bank should be able to check i think. Hong Leong's Mach also has a catogery for online purchase.

Add: you were notified by SMS? Has the card been delivered to you, normal post or courier?

This post has been edited by Human Nature: Jul 4 2013, 12:37 AM
Human Nature
post Jul 4 2013, 12:45 AM

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Already over 1 week for yours. Mine will be 5 working days tomorrow.

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