MyEG-RHB Credit Card credit card

MyEG-RHB Credit Card

Get rewarded with 5X Reward Points when you pay your utility bills, renew your road tax, or use any existing MyEG services online or at the counter.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 7.3% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM93.28 annual fee
  • Earn up to 5x reward points 

Apply online now for MyEG-RHB Credit Card

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Because you should be rewarded for giving the bank your business

Be rewarded with 5X Reward Points when using MyEG services, such as paying your monthly utility bills and renewing your road tax online. For purchases elsewhere, you will only get 1 Reward Point for every RM1 spent, even online!
RHB Rewards
5 points on every RM1on MyEG services
1 point on every RM1on all retail
Your RHB Rewards earned expires in  2 years
Balance Transfer
Enjoy interest for as low as 4% on your outstanding balance when your transfer your credit card debt to your brand new MyEG- RHB Credit Card via the RHB Smart Move Balance Transfer plan.
Pay OverWith Interest Rate AtWhen You Transfer
12 months7.3% p.a. and 4% one-time upfront handling feefrom RM1000 
18 months8.67% p.a. and 7% one-time upfront handling feefrom RM1000 
24 months10.22% p.a. and 10.99% one-time upfront handling feefrom RM1000 
Learn more about RHB Smart Move Balance Transfer
Easy Payment Plan (EPP)
Pay for your big ticket items with RHB Smart Instalment with 0% interest when you shop at participating outlets or RHB Dial-An-Instalment for as low as 2.5% interest for up to 24 months at selected merchants.
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feefrom RM500 
12 months5% one-time upfront handling feefrom RM1000 
18 months9% one-time upfront handling feefrom RM1000 
24 months15% one-time upfront handling feefrom RM2000 
Learn more about RHB Dial-An-Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feefrom RM1000 
9 months0% p.a. and no one-time upfront handling feefrom RM1000 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about RHB Smart Instalment
RHB Smart Pay allows you to forget about going to the post office to pay your bills every month - enjoy auto payments for your Maxis, Digi, and Astro bills.

Fees & Charges

There are always fees but how much are they?

Annual Fee
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.90 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
RHB Dial-An-Instalment
RHB Smart Instalment
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
RHB CashXcess
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
RHB Smart Move Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

MyEG-RHB Credit Card review

What's so good (or not so good) about it?

There is a world of convenience waiting for you when you use MyEG, Malaysia's E-Government Services provider. Allowing you to easily conduct transactions with various government agencies online and offline. What better way to take advantage of an already excellent service by enhancing it with the MyEG- RHB Credit Card, offering you up to 5X Reward Points when you pay for your MyKad replacement, JPJ summons, and driving license renewal online.

5X Reward Points

Every time you use MyEG services whether at the counter or online on to pay for your monthly utility bills or renewing your road tax, you will get 5X Reward Points on your payments. For transactions elsewhere, such as at the supermarket or mall, you will receive only 1 Reward Point for every ringgit spent - and this includes online purchases! The best thing is that there is no limit to how much reward points you can accumulate, but keep in mind that they will expire after 2 years.

Unfortunately, there will be no reward points when paying for government service tax, cash advance, cash withdrawals, RHB Bank Smart Move, or anything similar. Once you have enough points, use them to redeem gifts and prizes from the RHB Rewards Redemption Programme.

0% Smart Instalments

Take full advantage of 0% interest repayments for up to 24 months for any purchases made on your MyEG- RHB Credit Card - buy what you want, when you want it! There is no need for an application, and there will be no additional fee, as you will enjoy instant approval upon your purchase at over 70 merchants across the nation. There's a catch though - your purchases must be at least RM1000 and above!

Smart Move Balance Transfer

With the RHB Smart Move Balance Transfer programme, you can transfer outstanding balances from other credit cards to your brand new MyEG- RHB Credit Card. So, if you're having trouble staying on top of your monthly credit card bills, transfer today to enjoy up to a 24 month instalment plan to pay off your credit card debts.

Visa payWave

For purchases up to RM150, you will be able to pay for your items using the VISA payWave, contact-less payment technology embedded in your brand new credit card. Simply wave your credit card in front of the point-of-sale device - no need to swip! Bear in mind that not all merchants have adopted this technology, but most major supermarkets such as Cold Storage and Tesco do offer such services.

Easily Accessible

This is by no means an exclusive credit card reserved for the affluent crowd. All you need is to be at least 21 years old and earn at least RM2000 per month - that makes only RM24000 per year. The annual fee of RM88 and RM20 for both principal and supplementary cards will be waived for the first year.

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