Not true, because let's say this month I have 100k MAB (didn't touch at all).

Next month my requirement is 101k. But if I did ANY transactions with that account (for e.g. using it to pay my credit card bill), that will change the MAB. So unless I'm doing the specific calculation, I will start having to keep track that on the 15th of the month I paid out 3k, salary coming in on 28th is more than that, how much exactly do I need to 'top up' in between to hit 101k. Let's say I put in a bit more to be safe, MAB come out will be 101.5k

The next month requirement is then 102.5k. If I calculated wrong? Suddenly the interest earned drops for that month AND all subsequent months. So the only way (which I'm planning to use right now actually) is to make sure the account just.... never used except for credit salary.

Whereas for UOB, if you count wrong no big deal. Can just treat it like a savings account, I schedule all my CC bill payments from the same account and don't really bother about whether I need to hit one specific number, as long as its somewhere in the 100k-200k range.

Ironically before RHB's change I used to leave exactly 100k in UOB and everything else in RHB for regular bill payment etc. Once UOB extended interest to 100k-200k range I just used that, then some time after that RHB change requirement to increasing balance, no motivation to come back.

so, they add loyalty point on top of the bonus rate? the rate seem like same as previous campaign

Anybody have more details about the home loan qualifications? Must be new, or existing with balance >RM400k can qualify as well? If yes, that'd be great...can achieve 6.85%!

whoa bro betul kah ni?

take a loan RM400k pay interest 4.0%
give it back to the bank can earn 6.8% ?

4% on 400k, 6.85% only on up to 100k amount.

400k the bank has collateral. 6.85% includes usage of bank services which also earn the bank monies.

Basically not comparing apple to apple.

ya, for this kind of incremental balance requirement, i will not use that acc as my normal saving acc, more like treating it as "FD", less movement then will be easier to track... more effort require for the extra 1%, anyway, this campaign only until dec25, so, i just treat it as "FD" for less than 1 year, just every month make sure to put in add 1k at 1st of the month..

Looks like starting 1st June, the incremental balance of 1000 is no longer required to enjoy additional bonus rate? Easier to track then...as long as fulfill the >50K balance will do it seems

i still see this:


n u may refer the calculator here where incremental balance still required. https://www.rhbgroup.com/smart/index.html

Looks like starting 1st June, the incremental balance of 1000 is no longer required to enjoy additional bonus rate? Easier to track then...as long as fulfill the >50K balance will do it seems

I think he/she is referring to Page 42
https://www.rhbgroup.com/-/media/Assets/Cor...ing_tnc_eng.pdf

However checking on the link provided inside the pdf above, the rates are much lower.

For RHB I consistently can't seem to get the Pay component. 3 bills of RM25 - I pay TNB 3 times RM25 each will qualify?

For RHB I consistently can't seem to get the Pay component. 3 bills of RM25 - I pay TNB 3 times RM25 each will qualify?

Yes. You mean you been doing that and still dont get it?

Yes exactly. I pay using the app, and I pay RM25 each time, and I pay from the Smart-i savings account.... dunno why only getting Bonus 1 (Save) and no Bonus 2 (Pay).

Time to call I guess.

u will not see Bonus 2, now they consolidate all the other condition into "RHB RETAIL DEPOSITS", n it will not pay on 15th of the month, it will pay on 3rd week, which is 21st onwards. Past 2 months was paid on 22nd

I only started doing the PAY component (after skipping half a year due to preferring UOB One) in May. Does that mean I will get the May bonus 2 on 22nd June (or somewhere close to that)? The bonus paid in June is earned from May deposits and activities?

I only started doing the PAY component (after skipping half a year due to preferring UOB One) in May. Does that mean I will get the May bonus 2 on 22nd June (or somewhere close to that)? The bonus paid in June is earned from May deposits and activities?