Because you should be rewarded for giving the bank your business
- Get more ideas and gifts with RHB Reward Points. Transform your home into an ultra modern sanctuary with a selection of home appliances and kitchen essentials; get a new gadget to jazz up your digital lifestyle; choose from a wide selection of luggage bags and backpacks to let you travel in style. So many rewards to choose from! The reward points will have a 2-year expiry!
Your RHB Reward Points earned expires in 4 years
RHB Reward Points Earn Spent 1 point on every RM1 on all retail expenses
- Balance Transfer
- Enjoy interest as low as 1.99% on your outstanding balance when your transfer your credit card debt to your brand new RHB Gold MasterCard via the RHB Smart Move Balance Transfer plan.
Learn more about RHB Smart Move Balance Transfer
Pay Over With Interest Rate At When You Transfer 12 months 4% p.a. and 0% one-time upfront handling fee from RM1000 18 months 7% p.a. and 0% one-time upfront handling fee from RM1000 24 months 10.99% p.a. and 0% one-time upfront handling fee from RM1000
- Easy Payment Plan (EPP)
- Pay for your big ticket items with RHB Smart Instalment at 0% one-time upfront interest for up to 24 months at selected merchants. RHB Dial-An-Instalment offers payment terms of 6 to 24 months on any retail purchase.
Learn more about RHB Dial-An-Instalment
Pay Over With Interest Rate At When You Spend 6 months 2.5% one-time upfront handling fee from RM500 12 months 5% one-time upfront handling fee from RM1000 18 months 9% one-time upfront handling fee from RM1000 24 months 15% one-time upfront handling fee from RM2000
Learn more about RHB Smart Instalment
Pay Over With Interest Rate At When You Spend 6 months 0% p.a. and no one-time upfront handling fee from RM1000 9 months 0% p.a. and no one-time upfront handling fee from RM1000 12 months 0% p.a. and no one-time upfront handling fee from RM1000 24 months 0% p.a. and no one-time upfront handling fee from RM1000
- Airmiles, Emergency Helpdesk, and Free Travel Insurance.
Travel Coverage Sum Insured Travel Insurance Up to RM600000 Delayed Flight Up to RM250 Missed Flight Up to RM250 Lost Luggage Up to RM500 Delayed Luggage Up to RM400
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
- RM15.00 or 5.00% of withdrawn amount, whichever is higher
- Interest Rate on Cash Withdrawals
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.