I just called their customer service about my issue.

They told me that I need to go to RHB branch to linked the debit card and require verification.

Close account and maintain less than 1k will have penalty.

Another question that I would like to ask.

I am tried to pay utility bill using JomPay. We can select pay using debit card and from smart account. If I choose debit card does it consider under Spend category and if I pay using smart account, does it consider under Pay category?

Most likely. You can always try one option and see how it's updated in the smart account transactions running table.

I will request to link my debit card to smart account probably next month.

I will try to pay using smart account for bill pay to see will entitle for Pay bonus in the next 2 working days.

Now without debit card, I only lose the Spend bonus. My understanding should be correct right?

Correct.

yeah charge to card for spend and charge to account for pay.

I tried using my debit card to pay bill but its not reflected as pay bill category.

Only when I select direct from my smart account to pay bill via pay bill category or jompay, then its considered under bill payment catergory (3x)

If using debit card to pay then it should record as Spend category after 2 working days. I have not linked my debit card to smart account so cannot verify this.

Currently have a OCBC 360 account. I hit 2 of the 3 pillars usually (DEPOSIT and PAY, but not SPEND). Reason not hitting spend is because I do not have OCBC CC.

Meanwhile, I already use RHB credit card.

Is RHB Smart objectively better than OCBC 360? I see with the RHB Smart account, I could easily get 2.85%, while with OCBC 360 I'm getting usually 1.45%.

Thanks!

FYI, OCBC debit card (your ATM card) can also hit Spend pillar if you use the Mastercard function.

If you're able to give the high deposit + keep minimum balance objectives, RHB objectively better, unless you prefer smooth customer experience, in which case OCBC objectively better, usually

For Hong Leong Pay & Save account:-
under pay bills category, can it be online transfer(duit now) to another bank for housing loan payment ?

under spend category with debit card, can we reload ewallet to fulfill this criteria ?

This post has been edited by no6: Oct 19 2021, 01:33 AM

“Eligible Bill Payments” is defined as payment transactions made from the Account via the Hong Leong Connect Online Banking (“HL Connect”) to the following:
o Billers listed on the Hong Leong Connect Bill Payment webpage;
o JomPAY billers;
o FPX (DirectDebit) registered merchants/billers; and
o HLB/HLISB for Credit Card, Personal/ Housing/Car Loan repayments.

Unless you reload ewallet via debit card swipe then it’s eligible because debit card spend only fulfilled through swipes

To make your life simple, just FPX to any merchants or banks amounting to a minimum of RM 500 and viola, job done.

Spend with debit card, ewallet reload is for sure.

Thanks
FPX to merchants looks ok, just wandering any idea how does one FPX to bank ?

If you are OCBC customers, you should know what I meant. Anothet way is every month do RM 500 eFD to other banks via FPX with pay and save account.

This post has been edited by acejlsh: Oct 20 2021, 01:35 PM

yes its considered as Spend catergory but not the Bill payment category.

Since you have a RHB credit card, you can enjoy the 2.85% with 2k deposit and 3 bill payments online.

only hassle to setup an account with RHB and get the cards and acc linked up. RHB's customer service is so so only.

Hi folks, what are the fees associated with the RHB Smart Account?

Currently I am using OCBC 360, where the only fee I pay is RM8 debit card fee. I want to switch over to RHB as comparatively the RHB Smart Account has significantly better interest rates. Also, RHB Shell Visa is my primary credit card, so I can hit all pillars to get max interest rates per month pretty easily.

I also already have a RHB BSA (this is a no annual fee account).

I see that I can do an online account application via RHB Now. Appreciate if y'all can share the annual fees and other charges as I can't seem to find any T&Cs.

Also, will the RHB Smart Account automatically pick up my existing RHB credit card, or do I need to do some manual intervention?

Another thing - I see that the RHB Smart Account is a Current Account, vs Savings account for OCBC 360. What are the differences in function and cost between the two?

Thanks!

EDIT: For existing customer with BSA, can I complete the entire signup process online, or need to go to Branch still?

This post has been edited by contestchris: Oct 27 2021, 11:43 AM

Just applied for the account. However when it came to the final step to deposit Rm1,000, there was a FPX error on RHB website.

I then transferred RM1k on my own into the account.

How can I know now if my account has been fully activated?

This is what I see when I log in and check the account details on the website:



This post has been edited by contestchris: Oct 27 2021, 06:11 PM

I believe if the existing debit card annual fee is RM0, tagging it to the Smart Account should not change that. Somebody please correct me if I am wrong.

Another question: Can withdrawal from ATM be made from RHB Smart Account using the tagged Debit card as per any other normal savings account (given that the Smart account is a Current Account)?