RHB Account: Earn More from Everyday Transactions

Get Paid To Save, Spend, And Pay Bills With The RHB Smart Account/-i

Iman Aminuddin

7th August 2025 - 4 min read

Most bank accounts just hold your money. You pay bills, buy groceries, and save when you can, your bank account doesn’t give you anything back.

The RHB Smart Account/-i works differently. It’s a current account that rewards you for how you use your money. Whether you use RHB Smart Account/-i to credit your salary, pay your PTPTN, use your debit card, or handle your bills , those everyday actions can earn you bonus interest or loyalty points.

Right now, new customers can take advantage of the limited-time RHB Smart Multiplier Campaign to boost their returns from the start.

What is the RHB Smart Account/-i?

You have the choice of how you want to be rewarded, either with Bonus Interest/Profit Rates to grow your cash faster or with Loyalty Points that you can redeem for various items.

The account is open to anyone aged 18 and above and is available in both conventional (RHB Smart Account) and Islamic (RHB Smart Account-i) versions.

How to Earn More: The Reward Pillars

With RHB Smart Account/-i, you earn rewards by using certain features, called “pillars,” that match how you manage your money. You can focus on the ones that work best for you:

Save: Simply deposit a minimum of RM2,000 into the account within a month. This doesn’t include transfers from your other RHB accounts or cheque deposits, but does include cash deposits and salary credits.
Pay: Make at least three online bill payments of RM25 or more in a month directly from your account. This is perfect for settling your monthly utility bills, phone bills, or Astro subscription. Payments for RHB loans or credit cards are excluded.
Spend: Use your linked RHB Debit or Credit Card/-i for your daily expenses. A minimum total spend of RM1,000 in a month on retail purchases, whether for groceries, petrol, or online shopping, qualifies you for a bonus.
Invest: If you’re looking to grow your wealth, purchasing eligible RHB investment products like unit trusts or Private Retirement Schemes (PRS) can also earn you rewards.
Loan/Financing: Taking up a new RHB Home or Auto Loan/Financing can unlock bonuses for up to 12 months. Existing loan holders can also earn rewards by setting up monthly payments from their Smart Account.
Convert & Trade: For anyone managing foreign currencies, precious metals, or trade shares, transacting from RHB Smart Account /-i can also contribute to your rewards.

The more pillars you activate, the higher your potential bonus interest becomes, capped at a certain monthly amount. . The key is that you are rewarded for doing more than one account!

Limited-Time Offer: Earn Bonus Points Fast with the RHB Smart Multiplier Campaign

Between 16 June and 15 October 2025, the RHB Smart Multiplier Campaign can help you earn rewards much faster.

Who is eligible?

You can join if you’re a new or existing RHB customer opening an RHB Smart Account/-i. The main requirement is to also sign up for RHB Joy@Work, RHB’s payroll programme.

What you need to do:

Open an RHB Smart Account/-i during the Campaign Period (16 June – 15 October 2025).
Sign up as a new RHB Joy@Work customer.
Have your salary of at least RM3,000 credited to your new account within the same participation month.

What you get:

You stand a chance to win significant bonus Loyalty Points on a first-come, first-served basis.

Tier 1 Reward: Open your account at a branch and meet the criteria to be one of 250 monthly winners of 25,000 Loyalty Points.
Tier 2 Reward: Open your account online via the RHB Online Banking or Mobile Banking app and meet the criteria to be one of 250 monthly winners of 50,000 Loyalty Points.

This is a limited-time opportunity to get a substantial reward just for setting up your salary account.

Should You Get This Account?

It’s a great fit if you want your bank account to do more. It’s especially useful for:

People who want a better salary account: With the Joy@Work programme and the bonus campaign, it’s one of the best options for your monthly pay.
Anyone who banks online: If you already pay bills and shop with your card online, you’ll earn rewards without changing a thing.
Customers who want everything in one place: If you like the idea of handling your savings, spending, and loans with one bank to get the most out of it, this account is for you.

Turn your savings into something that earns for you.

All deposits in the RHB Smart Account/-i are protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to RM250,000 for each depositor. Investment products are not protected by PIDM.

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