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

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ideaplus
post Oct 13 2024, 04:54 PM

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Hi guys, I searched RHB Shell's product disclosure, but I found nothing that answered my question. Does RHB Shell's supplementary cardholder share the same cashback as its primary cardholder?

This post has been edited by ideaplus: Oct 13 2024, 04:58 PM
ideaplus
post Oct 14 2024, 01:31 PM

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QUOTE(cybpsych @ Oct 13 2024, 05:01 PM)
QUOTE
4. Cash Back accumulated by supplementary Cardmembers of Card will be credited into the principal Cardmembers of Card. The total Cash Back accumulated by the supplementary Cardmember will be reflected in the principal Cardmembers monthly credit card billing statement.

I found this clause, so can I understand both primary and supplementary are sharing the same amount of cashback? This means I can let my wife fuel her car, and I buy some groceries, I just need to make sure we can achieve at least RM800 for both cards. Like this then this card suits my spending pattern, if compared with UOB One card.

This post has been edited by ideaplus: Oct 14 2024, 01:32 PM
ideaplus
post Feb 10 2025, 01:00 PM

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QUOTE(gempakstarz @ Feb 10 2025, 12:02 PM)
how to check ur application approved or not?
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If you apply through the website, there is a LINK that will enter your IC, and you will know the result. Else you may call 0392068118 and press 4 to check the application

This post has been edited by ideaplus: Feb 10 2025, 01:04 PM
ideaplus
post Feb 10 2025, 01:16 PM

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QUOTE(gempakstarz @ Feb 10 2025, 01:10 PM)
thanks..my status still IN REVIEW..I applied on 20/1, and it’s still under review until now. Is it normal for it to take this long?
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I think not normal, perhaps you need press 0 to find CS after pressed 4 to know your status
ideaplus
post Feb 10 2025, 05:44 PM

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QUOTE(ericlaiys @ Feb 10 2025, 02:34 PM)
yes. it is normal. my rhb app took a month process. some bank is also took long process
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One month?!
ideaplus
post Feb 11 2025, 10:52 AM

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QUOTE(ClarenceT @ Feb 11 2025, 09:51 AM)
1-2 months is very normal for RHB, not limited to credit card but also other products as well.
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No wonder, my application for an increased credit limit still has not received any call from them blink.gif
ideaplus
post Feb 24 2025, 01:10 PM

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QUOTE(ChiaW3n @ Feb 24 2025, 11:46 AM)
Ah means I just focus on spending on petrol only will do because my monthly BT amount is already 2k
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But you will only get the CB for petrol, 12% or max RM50 if total spend + Filler (BT) > RM2.5k
ideaplus
post Feb 25 2025, 06:53 PM

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QUOTE(ChiaW3n @ Feb 24 2025, 08:23 PM)
Ya should be able to the BT already 2k so I just max the balance 50 cb from petrol usage
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But BT amount is just filler, you can't get any CB from BT amount
ideaplus
post Feb 25 2025, 08:57 PM

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QUOTE(beLIEve @ Feb 25 2025, 08:29 PM)
Think big. They save 1% credit card reload fee OR ewallet quota.
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Their reload fee or e-wallet quota > RM50? Then I really think small tongue.gif
ideaplus
post Feb 26 2025, 01:30 PM

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QUOTE(beLIEve @ Feb 25 2025, 09:55 PM)
No. The idea+ here is, the filler $1500 (or $1080 for those with access to Shell) needs to be spent somewhere. If put inside ewallets that charge 1%, they have to pay $15. If put inside ewallet that don't charge, it eats up their monthly quota. If use Balance Transfer or Cash Access, it's free.
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I thought the filler was the amount beside Shell (RM420) and Bonus (RM1080), which is around RM1001, and if this RM1001 can be covered by BT or Cash Excess, then it should be perfect.
Maybe my understanding of RHB Shell is wrong and needs some extra guidance and tactics.
ideaplus
post Feb 26 2025, 06:53 PM

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QUOTE(beLIEve @ Feb 26 2025, 06:00 PM)
Bonus is 5% cap at $50. Where you find 1080 and 1001 oh?
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CB Shell = cap RM50 = RM420*12%
CB Bonus = cap RM50 = RM1080*5%

Monthly Total spend > RM2500, so filler has to be RM1001 or more to be eligible for CB RM50+50, right?
ideaplus
post Feb 26 2025, 08:06 PM

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QUOTE(LostAndFound @ Feb 26 2025, 07:19 PM)
Uh, CB Shell RM50 can be achieved with RM416.67 spend (I've tested this before. CB Bonus can be achieved with RM1000 spend (straight forward, 5% of 1000 is 50). Not sure why you put RM420 and RM1080.

Assuming you have RM1000 online and RM416.67 Shell spend, then your filler should be RM1083.33. Exactly RM2500 is enough, no need RM2501.
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Actually, I just want to point out the filler amount is out of the amount Shell and amount Bonus, as for decimal, of course, if can spend exactly RM416.67 would be much better
ideaplus
post Feb 27 2025, 12:23 AM

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QUOTE(LostAndFound @ Feb 26 2025, 11:17 PM)
That doesn't explain the RM1080 though (this is the one that really confusing).....
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Nah, it is Just a round figure (RM420 + RM1080 + RM1000) for me to maintain my calculation more easily
ideaplus
post Mar 6 2025, 10:30 AM

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QUOTE(beLIEve @ Mar 5 2025, 09:35 PM)
touch and go PIN under Topup
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I wonder if this practise will charge a 1% top-up fee or not confused.gif

This post has been edited by ideaplus: Mar 6 2025, 10:30 AM
ideaplus
post Mar 6 2025, 01:06 PM

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user posted image
I can select different methods to top up TNG, just wonder that any charges by using this method
ideaplus
post Mar 25 2025, 05:07 PM

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QUOTE(fruitie @ Mar 25 2025, 03:59 PM)
Can we still get an SST rebate from RHB for existing users? Note that I'm asking for a rebate, not a waiver. My Shell conventional has been charged and Shell-i is on the way, as I got them just weeks apart.
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Yes, my case is that I need to use it three times within 2 weeks.
ideaplus
post Apr 3 2025, 04:49 PM

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QUOTE(sjz @ Apr 3 2025, 02:42 PM)
bolded part wrong info.
supposedly it is, 1 time free access per calender year.
not 1 free access per activation.
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So if I have 1 VS and 1 WM, then I have 2 free access even without any retail spend on the particular calendar year?
ideaplus
post Apr 29 2025, 01:55 PM

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Does anyone made payment to iherb? The payment is considered as online or overseas?
ideaplus
post Apr 29 2025, 06:35 PM

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QUOTE(cybpsych @ Apr 29 2025, 03:04 PM)
both are not mutually exclusive le

online or not online, overseas or not overseas

a merchant txn can be both online (mode of transaction) and overseas (merchant not acquired in MY)
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QUOTE(ClarenceT @ Apr 29 2025, 03:13 PM)
For RHB VS.
Not "MY": 0.5%/1%/2% Overseas CB
"MY" + Online: 1%/2%/6% Online CB
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As my HLB charged me another 1% DCC Fee when I paid iherb, so I think VS is more suitable than Shell if I want to make payment.

QUOTE
The Dynamic Currency Conversion (DCC) fee for Hong Leong Bank is 1% of the transaction amount in Ringgit Malaysia (RM). This fee is applied when you choose DCC to convert your foreign currency transactions to RM when using your HLB card overseas or online. The DCC fee is a separate fee from the exchange rate mark-up that may be applied by the merchant.

ideaplus
post May 24 2025, 09:20 PM

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QUOTE(xiaoxiaoshen @ May 24 2025, 01:51 PM)
user posted image

if only cashxcess on statement date will count for next month?
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Perhaps
However, I can confirm Dial-An-Instalment and Smart Move BT amounts are considered "Filler" for Shell & VS

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