what is considered payment of RM25 bill? Must use jompay in the RHB apps? cannot pay direct from say TNB apps?

To be safe side, use JOMpay from RHB app.

I choose smart reward points

I put money into housing flexi loan

Is this account the highest conditional saving compare to others ? Actually quite easy to hit , previously using UOB One

there's a consolidated topic with high-yield SAs: https://forum.lowyat.net/topic/4439367

perhaps can do some reasearch from there

Possible to set up a recurring transfer of RM25 x 3 days every month?

Separately any recommendations on best credit card to fulfill the RM1k / mth expense on card?

I remember there used to be bonus when paying into RHB housing loan.. But looks like that's gone now?

which app to buy tng pin from?
I tried reload tng ewallet directly in ewallet app itself, seems not counted, the amount not showing in rewards page.

How do we see if joy@work bonus is active?

cant see it is active, but your level 1 got 2% in apps, then it had active.

To any others who are trying, confirming that recurring transfer to TNB of RM25 3x a month works for one of the level 2 bonus

Anyone yet to receive the Jul 2025 bonus interest rate? I've yet to get mine.

Just received mine on 22 August. RHB retail deposits

I didnt. Damn need to contact the idiots. RHB really menyusahkan

EDIT: turns out tng ewallet direct reload using debit card is eligible for the RM1000 spend criteria, just the transaction not reflected immediately
transaction maybe 2-3 days later, rewards page another 1-2 days after transaction reflected

so no need to get a separate credit card then?

yep no need, debit card will do

if you alway have .100k deposit, you may exchange RM3000 to USD each month, you will get extra 1.6% each month (rm131.50), then exchange it back, it lose rm20 only. am i correct? if you dont exchang it back you can plan foreign weelky term deposit got high interest too 4%/annual. (min placement usd2k)
of course lah it have some risk on currency up n down

Can you go in and out instantly? How easy is it to apply for the account and debit card? What are the fees attached to the account and card?

yes, just use finger scroll n click. RHB rejected me few times for shell CC, then i become premier to apply for their Shell CC. then they offer me for this multicurrency account, and it is good i can pre exchange my currency n use it at oversea without the converison fee. for the fees i guess is just annual debit card fees.

Can you convert in and out on the same day?

Also, there is obviously a conversion fee, which is the bid-ask spread.

Typical credit card conversion fee for foreign currency transactions do not have a bid-ask spread, but instead a 1% or 2% fee based on the actual exchange rate.