RHB Islamic Rewards Credit Card-i credit card

RHB Islamic Rewards Credit Card-i

Up to 10x rewards points for spending on Movie Tickets, Overseas, Online & E-wallet, Health, Takaful Insurance and Shopping.

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • 4% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM200.00 annual fee
  • Earn up to 10x reward points 

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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Earn 10x Rewards Points when you buy movie tickets, whereas up to 4x Rewards Points for Overseas, Online, E-Wallet, Health, Takaful & Retail shopping. That's not all - for every RM1 spend in other retail category , you get 1x Reward Point!
Rewards Points
EarnSpent
10 points on every RM1movie Tickets
4 points on every RM1overseas Spend
3 points on every RM1online & E-wallet Transaction
2 points on every RM1health
2 points on every RM1takaful
2 points on every RM1retail Shopping
1 point on every RM1other Retail Spends
Your Rewards Points earned expires in  3 years
Balance Transfer
Transfer your outstanding balance from other credit cards to RHB credit card via Smart Move Balance Transfer plan to benefit from low interest rate and flexible repayment terms.
Pay OverWith Interest Rate AtWhen You Transfer
12 months4% p.a. and 0% one-time upfront handling feefrom RM1000 
18 months7% p.a. and 0% one-time upfront handling feefrom RM1000 
24 months10.99% p.a. and 0% one-time upfront handling feefrom RM1000 
Learn more about RHB Smart Move Balance Transfer
Easy Payment Plan (EPP)
Turn your wish list into reality with a flexible payment plan of up to 24 months from RHB credit card. Enjoy 0% interest with RHB Smart Instalment, or pay a small one-time upfront interest with RHB Dial-an-Instalment.
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 months7% one-time upfront handling feefrom RM1000 
24 months9% 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

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM200.00
  • Waived when you spend RM10,000 each year
  • Free for first year
Annual Fee for Supplementary Card
RM0
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
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
Profit Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
60 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

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.

RHB Islamic Rewards Credit Card-i review

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

Elevate your lifestyle with RHB Islamic Rewards Credit Card-i, a credit card that rewards you up to 10X for your lifestyle spends. 

Annual Fee Waiver

For the first year, the RHB Islamic Rewards Credit Card-i is free of charge. On subsequent years, the annual fee is at RM200 but will be waived when you spend a minimum of RM10,000 in a year on your Rewards Credit Card-i. 

Bear in mind that the Sales & Service Tax of RM25 will be charged upon the anniversary date of your credit card. Annual fee is waived for supplementary cardholders. 

Up to 10X Reward Points

Always feel restricted by your credit card's limited reward points? Be set free as RHB Islamic Rewards Credit Card-i can help you earn unlimited Rewards Points such as:

  • 10X Movie Tickets
  • 4X Overseas transactions
  • 3X Online & E-Wallet transactions
  • 2X Health & Takaful Insurance related transactions
  • 2X Retail Shopping transactions
  • 1X Other Retail transactions

With unlimited reward points to earn, you can now enjoy the freedom to maximize your Reward Points by redeeming your favorite products, vouchers, frequent flyer miles and annual fee waiver.

Made for Halal Transactions

Please note that this Islamic credit card operates under the Shariah concept of Ujrah. So keep in mind that you can only swipe your Cash Back Credit Card-i on Halal goods and services. RHB Islamic Bank will decline any payment charged to your credit card-i for transactions in the following situations:

Bars and Clubs
Purchase of Packaged Beers, Wine and Liquor
Cigar Stores and Stands
Gambling Transactions
Dating and Escort Services

Flexible Line of Credits

There is a slew of benefits in a credit card when you use it efficiently. After all, it is made to extend your credit when you require it, whether to pay for your personal needs or daily expenses. RHB Islamic Cash Back Credit Card-i offers you:

  • Smart Move Balance Transfer to consolidate all your credit card outstanding debts from other financial institution
  • Smart Instalment and Dial-An-Instalment to convert your purchase into affordable monthly payments
  • CashXcess to give you some cash relief that can be paid over an instalment at low rate

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