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%!
Conditional High Yield Savings Account
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 May 26 2025, 06:07 PM
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#81
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Senior Member
5,547 posts Joined: Aug 2011 
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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%! |
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Jun 16 2025, 06:37 PM
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#82
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Senior Member
5,547 posts Joined: Aug 2011
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QUOTE(bm_kia @ Jun 16 2025, 10:57 AM) 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 Still required lah  |
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Jun 17 2025, 01:48 PM
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#83
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Senior Member
5,547 posts Joined: Aug 2011
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QUOTE(LostAndFound @ Jun 17 2025, 12:18 AM) 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? |
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Jun 18 2025, 09:42 AM
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#84
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Senior Member
5,547 posts Joined: Aug 2011
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Can you get BOTH bonus interest rate and loyalty points?
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Jun 20 2025, 08:20 AM
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#85
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Senior Member
5,547 posts Joined: Aug 2011
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There are 2 options available to earn from the account:
Bonus Rates ; or Loyalty Points All customer will be defaulted to Bonus Rates option upon onboarding. Any selected options will take effective next following month. |
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Jul 1 2025, 10:19 AM
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#86
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Senior Member
5,547 posts Joined: Aug 2011
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QUOTE(Fantasia @ Jul 1 2025, 09:37 AM) Good, time to move to RHB Smart. Buta buta can get 5.25% |
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Jul 18 2025, 11:43 PM
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#87
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Senior Member
5,547 posts Joined: Aug 2011
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QUOTE(LostAndFound @ Jul 18 2025, 11:05 PM) Anyone has experience - the current RHB smart account promotion - what happens if you don't hit the MAB? Straight away no bonus, or bonus interest is lesser? From the graph in https://www.rhbgroup.com/personal/deposits/...ount/index.html it shows (up to 1.6% per pillar achieved for amounts 50k<100k) but underneath the image has a footnote saying "Applicable to customers who increased an their balances of more than RM1,000 compared to previous month to entitle for an additional 0.20%p.a. " If you can't maintain even RM1k minimum balance, you shouldn't think too much about HYSANot sure if this means "only customers who increase MAB will get the 1.6%" or "only customers who increase MAB will get an additional 0.2%"? |
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Jul 19 2025, 10:55 AM
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#88
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Senior Member
5,547 posts Joined: Aug 2011
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QUOTE(LostAndFound @ Jul 19 2025, 09:32 AM) I specifically asked about 'increase MAB by 1k' which is necessary to get 1.6%. Not maintain minimum 1k. I mentioned that multiple times in my question. It's quite clear - if you don't increase the MAB by the required threshold, you will not earn the additional 0.2%. |
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Jul 20 2025, 08:47 PM
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#89
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Senior Member
5,547 posts Joined: Aug 2011
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QUOTE(Yluxion @ Jul 20 2025, 06:59 PM) Have you tap the 'Go To Rewards' page and change your rewards options? Since June, the account default option is 'Earn via Loyalty Points' instead of 'Earn via Bonus Rate'. I believe the default for existing RHB Smart accounts is "Bonus Rate", not "Loyalty Points". I read it somewhere but can't recall where exactly.Similar to you, I deposit fund in June hoping to earn the promo interest rate but have not receive it. Only 2 days ago, I realize I have to opt in for 'Earn via Bonus Rate'.  In any case, no one has received the bonus interest rate for June 2025, as they have a system glitch. https://www.rhbgroup.com/-/media/Files/othe...H20250707-1.pdf |
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Nov 2 2025, 11:13 PM
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#90
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Senior Member
5,547 posts Joined: Aug 2011
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QUOTE(TOS2 @ Nov 2 2025, 09:35 PM) Haha the "4% bonus return" return sounds like a clickbait. The effective rate is never as high as 4% p.a. Well you can get 6.85% with RHB Smart, so why not?Suggest you to change the thread description, pretty misleading to me...  |
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