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.

MyEG-RHB Credit Card5X Reward Points
Min. Income
Annual Fee
Balance Transfer
From 4.99% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Earn 5x Reward Points when you swipe your MyEG-RHB Credit Card on MyEG services such as paying utility bills, insurance premiums and road tax renewal. Shopping at the store or online get you 1x Reward Point.

Reward Points
5 points on every RM1on MyEG services
1 point on every RM1on online and retail transactions


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.

Balance Transfer

Exclusively for new customers, transfer all of your outstanding balances and enjoy 4.99% interest for 12 months with RHB Smart Move Balance Transfer plan.

Pay OverWith Interest Rate AtWhen You Transfer
6 months4.99% p.a. and no one-time upfront handling feefrom RM1,000
12 months4.99% p.a. and no one-time upfront handling feefrom RM1,000
18 months4.99% p.a. and no one-time upfront handling feefrom RM1,000
24 months4.99% p.a. and no one-time upfront handling feefrom RM1,000
36 months4.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about RHB Smart Move Balance Transfer

Easy Payment Plans

Enjoy a flexible payment plan of up to 24 months from the RHB credit card. Get 0% interest with RHB Smart Instalment or pay a small one-time upfront interest with RHB Dial-An-Instalment.

RHB Smart Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about RHB Smart Instalment
RHB Dial-An-Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feeRM500
12 months5% one-time upfront handling feeRM1,000
18 months7% one-time upfront handling feeRM1,000
24 months9% one-time upfront handling feeRM2,000
Learn more about RHB Dial-An-Instalment

Fees & Charges

Annual Fee
  • RM88 primary card
  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
RHB Smart Instalment
Convert your purchase into affordable monthly instalments with 0% interest for up to 36 months. Combine all of your debts and use 100% available credit limit under this plan.
RHB Dial-An-Instalment
Anything your heart desires is only a phone call away - swipe a minimum of RM500, choose your preferred tenure and off you go!
Cash Advance / Cash Loan
RHB CashXcess
Need extra cash? Apply for RHB CashXcess and enjoy low interest rates at affordable monthly instalments.
Balance Transfer Plans
RHB Smart Move Balance Transfer
Enjoy great savings with interest rates as low as 4% for 12 months to repay and consolidate your debt from other credit cards to your new RHB credit card.


There is a world of convenience waiting for you when you use MyEG, Malaysia's E-Government Services provider as it allows 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.

MyEG-RHB Credit Card - 5X Reward Points

Every time you use MyEG-RHB Credit Card 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 RM1,000 and above!

MyEG-RHB Credit Card Smart Move Balance Transfer

With the RHB Smart Move Balance Transfer plan, 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 installment 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 swipe! 

Bear in mind that not all merchants have adopted this technology, but most major supermarkets such as Cold Storage, AEON or 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 RM2,000 per month - that makes only RM24,000 per year. 

The annual fee is RM88 for RHB MyEG-RHB principal card, which will be waived for the first year.

Who can apply for MyEG-RHB Credit Card?

Anybody aged 21 years old and above can apply for MyEG-RHB Credit Card.

All you need to prepare is a valid identification card and other income and financial supporting documents as required by RHB.

If you're a self employed individual, you need to have a business with a minimum of 5 years in operation to qualify for RHB credit card application.

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