Welcome Guest ( Log In | Register )

Outline · [ Standard ] · Linear+

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

views
     
talexeh
post Jun 27 2023, 01:27 PM

One man's meat is another man's poison.
*******
Senior Member
3,084 posts

Joined: Dec 2007



Anyone applied for a RHB CC via 3rd party website recently? I successfully applied for RHB Shell Visa via RinggitPlus for the guaranteed RM500 reward. When I get the card, there's a brochure inside the envelope advertising RM25 cashback upon activation & RM200 cashback upon RM500 spending.

Checked the T&C for this acquisition campaign but didn't see any clause that exempted 3rd party application either so not sure if I'm eligible:
https://www.rhbgroup.com/shellcard/files/Su...e-Y2023_TnC.PDF
talexeh
post Jul 4 2023, 10:26 AM

One man's meat is another man's poison.
*******
Senior Member
3,084 posts

Joined: Dec 2007



Just got my RHB Shell Visa not too long ago but when I checked the app, it didn't tell me my statement date; just shows the due date on 12-JUL.

IIRC, the due date is 21 days before due date right? So does that mean my statement date is on the 22nd?
talexeh
post Aug 16 2023, 07:14 PM

One man's meat is another man's poison.
*******
Senior Member
3,084 posts

Joined: Dec 2007



QUOTE(ronnie @ Aug 16 2023, 03:10 PM)
Just received my TnG PIN reward from Ringgit Plus
Approved on 1/6/2023
Reward received on 16/8/2023

Hope to win this Tier 1: RM5000 Cash Via DuitNow - 3 Random winners based on the Approval List by RHB Bank
*
Same, I just got mine too. I applied my card on 25-MAY.
talexeh
post Aug 29 2023, 08:36 AM

One man's meat is another man's poison.
*******
Senior Member
3,084 posts

Joined: Dec 2007



QUOTE(ronnie @ Aug 29 2023, 07:41 AM)
Statement 26th of every month
No cashback posted as of today
Haiya !!!
*
Same issue with mine though I did receive my statement via email. My statement is on the 22nd, called CS on the 24th & was told that the cashback will be credited in the next statement.

QUOTE(ClarenceT @ Jul 28 2023, 08:11 AM)
Not 100% accurate.

Assume your statement date is 28/7/23

All the retail transactions POSTED on 28/6/23 - 27/7/23, to calculate cashback.

If a transaction is posted on 28/7/23 (statement date 28/7/23), next CB monthly cycle.
*
QUOTE(cybpsych @ Jul 28 2023, 09:41 AM)
statement month but txn posted must be T-1 day before statement date.
*
Is this still the case? My statement date is on the 22nd. By 20-AUG, I only accumulated RM677.42 which I'm fully aware wasn't sufficient to get any cashback. I quickly top-up ShopeePay RM1822.57 on 21-AUG & they got posted on 22-AUG. After reading your posts, I thought the RM1822.57 will be used for next CB cycle but when I checked my statement, they're listed along.

Therefore, based on your experience, are the 2 transactions' cashback fall still valid for current CB cycle or they're indeed in next CB cycle?
user posted image

This post has been edited by talexeh: Aug 29 2023, 08:46 AM
talexeh
post Aug 29 2023, 08:47 AM

One man's meat is another man's poison.
*******
Senior Member
3,084 posts

Joined: Dec 2007



QUOTE(ronnie @ Aug 29 2023, 08:44 AM)
that's a scripted answer...
*
Yea, I suspected the same. RHB CS isn't as trustable as other bank's, such as PBB. I explained my scenario more in the post you quoted.
talexeh
post Aug 29 2023, 09:46 AM

One man's meat is another man's poison.
*******
Senior Member
3,084 posts

Joined: Dec 2007



QUOTE(ronnie @ Aug 29 2023, 09:02 AM)
Definitely in the 22/9 to 21/10 cycle calculation.
The CashBack cut off is [Statement Date - 1 day]
*
Alright, thanks for the reassurance.

QUOTE(cybpsych @ Aug 29 2023, 09:05 AM)
statement cutoff is fixed. any txn posted even up until statement date will be "statement-ed" for billing purposes.

for cb calculation, it would be different treatment. it calculate up until T-1 statement date. the cb will be credited in next statement.

assuming you're using rhb-shell card, below is the T&C

user posted image
*
Thanks again for attaching the T&C. As reliable as ever. notworthy.gif

QUOTE(ronnie @ Aug 29 2023, 09:11 AM)
How come so many Payment each time you use the CC at Shell ?
Interesting usage pattern...
*
Isn't that how we're supposed to maximise the Shell cashback? hmm.gif
talexeh
post Aug 29 2023, 12:19 PM

One man's meat is another man's poison.
*******
Senior Member
3,084 posts

Joined: Dec 2007



QUOTE(contestchris @ Aug 29 2023, 11:25 AM)
You're spending at Shell Select? Prices there are generally inflated. Do you still "win" after taking into account the cashback gained for those transactions?
*
I just buy things that are price controlled such as breads there.

QUOTE(ClarenceT @ Aug 29 2023, 12:03 PM)
-12% compared to less than -8% from groceries shop.
Worth it if you buy price-controlled items eg bread, newspaper, Costa Coffee.
*
This.

QUOTE(ronnie @ Aug 29 2023, 12:13 PM)
How does this work to maximise ? We pay once a month in full only.
*
Wdym by pay once a month in full?
talexeh
post Aug 29 2023, 05:16 PM

One man's meat is another man's poison.
*******
Senior Member
3,084 posts

Joined: Dec 2007



QUOTE(ronnie @ Aug 29 2023, 02:56 PM)
all Credit Card bills are due every month pay within 20 days of the Statement Date.
Why do you pay early without benefit and by paying after 20 days on due Date you have improved cashflow.
*
Oh, it's my practice to pay for my transactions in 15 days to ensure that I don't accidentally incur late penalty.
talexeh
post Sep 8 2023, 05:24 PM

One man's meat is another man's poison.
*******
Senior Member
3,084 posts

Joined: Dec 2007



QUOTE(ronnie @ Sep 8 2023, 08:40 AM)
Just received my Card Acquisition Cashback RM200 + RM25. NICE one RHB !!!
I applied via RinggitPlus in June 2023 (also received the tnG eWallet RM400)

user posted image
*
Do you still remember when your application got approved? I also applied in June but I only got the RM25 acquisition reward. sad.gif
talexeh
post Sep 25 2023, 05:26 PM

One man's meat is another man's poison.
*******
Senior Member
3,084 posts

Joined: Dec 2007



QUOTE(mamamia @ Sep 25 2023, 03:02 PM)
is ur 2 shopeepay txn is counted as tier spending for ur Sep23 statement to get the tier spending cashback?
*
I don't exactly understand your question but those 2 transactions are counted in my August (22-AUG - 21-SEP) cashback cycle.
talexeh
post Sep 25 2023, 09:11 PM

One man's meat is another man's poison.
*******
Senior Member
3,084 posts

Joined: Dec 2007



QUOTE(mamamia @ Sep 25 2023, 07:46 PM)
Hmm.. because we need to hit 2500 spending to be eligible for 12% Shell cashback & 5% on those online/ utilites/ ewallet etc. so, for ur statement dated 22 Sep, do u spend another 2500 (posted between 22 Aug - 21 Sep)? Or u count the 2 shopeepay txn as part of 22 sep statement spending?
*
We need to hit accumulated spend of RM800 in order to be eligible for the lowest cashback tier. Since the 2 ShopeePay transactions were posted in 22-AUG, I only hit RM677.42 spend for 22-JUL - 21-AUG cycle. Therefore, I didn't receive any cashback on 22-AUG.

Therefore, for the 22-AUG - 21-SEP cycle, I only have to spend RM677.43 to be eligible for the highest tier cashback.

Hope the explanation makes sense.
talexeh
post Sep 25 2023, 09:11 PM

One man's meat is another man's poison.
*******
Senior Member
3,084 posts

Joined: Dec 2007



-duplicate post-

This post has been edited by talexeh: Sep 25 2023, 09:12 PM
talexeh
post Feb 4 2025, 12:41 PM

One man's meat is another man's poison.
*******
Senior Member
3,084 posts

Joined: Dec 2007



QUOTE(ronnie @ Feb 4 2025, 12:37 PM)
Does RHB Shell Card gets rebate for Online transactions for Govt agency ?
*
No.
talexeh
post Jul 24 2025, 04:45 PM

One man's meat is another man's poison.
*******
Senior Member
3,084 posts

Joined: Dec 2007



QUOTE(kmed @ Jul 24 2025, 12:39 PM)
Any revision to RHB VS card? Surprisingly i didn’t get any cb last month.
*
If you read through the last page or so, you'll come to realise that everyone is in the same boat as you do.
talexeh
post Aug 23 2025, 08:57 AM

One man's meat is another man's poison.
*******
Senior Member
3,084 posts

Joined: Dec 2007



Seems like the cashback delay issue is fixed? My statement is on the 22nd & logged in today to see that cashback is already registered in my account.
talexeh
post Nov 13 2025, 08:24 PM

One man's meat is another man's poison.
*******
Senior Member
3,084 posts

Joined: Dec 2007



QUOTE(Ttbatdtptsm @ Nov 12 2025, 08:09 PM)
Hi is it possible to receive RHB credit cards without me applying for it . Received an sms saying My credit card will be mailed With separate pin mailer? I recently opens a savings account online .
I did try to Google and did Find out people saying they receive CC when theyre applying for car loan or mortgages . But got people say eve opening savings account they receive CC .
*
Never heard of such thing but you can always check your CCRIS record to confirm if there's RHB CC registered to your name.

 

Change to:
| Lo-Fi Version
0.0337sec    0.95    7 queries    GZIP Disabled
Time is now: 28th November 2025 - 05:12 PM