RHB Islamic Rewards Motion Code Credit Card-i

The Motion Code technology offers added security features, protection against online fraud and additional 3X Reward Points for online purchases.

RHB Islamic Rewards Motion Code Credit Card-iSecured transactions with Motion Code
Min. Income
RM2,000/month
Annual Fee
Free*
Balance Transfer
From 4.88% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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worth RM1599
when you apply through RinggitPlus *

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Rewards

Earn up to 10x Reward Points when you spend on Movie Tickets, Overseas Spend, Online Purchases, Health Spend, Insurance/Takaful Spends and Retail Shopping. That's not all - for every RM1 spent in Other Retail categories, you will get 1x Reward Points too!

Rewarding Points
EarnSpend
10 points on every RM1movie Tickets
4 points on every RM1overseas Spend
3 points on every RM1online Purchases
2 points on every RM1health Spend
2 points on every RM1insurance/Takaful Spend
2 points on every RM1retail Shopping
1 point on every RM1other Spends

Premium

Enjoy golf privileges - no green fee charges at the participating golf clubs in Selangor, Malaysia. Terms and conditions apply. Give the RHB Customer Care Centre a call for any inquiries or bookings at +603 92068118.

Balance Transfer

Transfer your outstanding balance from other credit cards to RHB credit card via the RHB Smart Move Balance Transfer plan to benefit from interest as low as 4.88% p.a. for up to 36 months tenure.

Pay OverWith Interest Rate AtWhen You Transfer
6 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
12 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
18 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
36 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about RHB Smart Move Balance Transfer

Easy Payment Plans

Have your eyes set on an expensive purchase? With RHB Smart Instalment, you can worry less by stretching your payment for up to 36 months at 0% interest.

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

Fees & Charges

Annual Fee
  • RM200 primary card

    First year free

    Waived when you spend RM20,000 in a year

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM15 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
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 to 60 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

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 the 100% available credit limit under this plan.
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 4.88% per annum for up to 36 months to repay and consolidate your debt from other credit cards to your new RHB credit card.

Review

RHB Islamic Rewards Credit Card-i with Motion Code™ Technology

RHB Rewards Motion Code Credit Card

Introducing Motion CodeTM technology where shopping or transacting online with your RHB Islamic Rewards Credit Card-i is now more secure than before!

Powered by a battery within your credit card, an e-ink mini screen is embedded at the back of your card that displays the 3-digit Dynamic Card Verification Value (CVV). 

This CVV security code automatically refreshes to a random new code every 4 hours. With this innovative solution, any stolen card information cannot be abused, stored or reused by potential fraudsters.

Adding on to having zero charges for this added security feature that protects you from online fraud, you will be able to enjoy 3X Reward Points on your online shopping.

Rewarding you with 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 with every RM1 spent. The categories are:

  • 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 favourite products, vouchers, frequent flyer miles and annual fee waiver.

Annual Fee Waiver

For the first year, the RHB Islamic Rewards Credit Card-i is free of charge. 

But in the subsequent years, the annual fee is at RM200 and will be waived when you spend a minimum of RM20,000 in a year on your Rewards Credit Card-i. Additionally, the annual fee is waived for supplementary cardholders.

Bear in mind that the Sales & Service Tax of RM25 will be charged upon the anniversary date of your credit card.

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 Rewards 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 Packages of Beers, Wine and Liquor
  • Cigar Stores and Stands
  • Gambling Transactions
  • Dating and Escort Services

RHB Islamic Rewards Motion Code Credit Card-i Flexible Line of Credits

There is a slew of benefits in a credit card when you use RHB Islamic Rewards Motion Code Credit Card-i 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 Rewards Motion Code Credit Card-i offers you:

  • Smart Pay for monthly auto payment of Telekom, Maxis, Digi, Astro and other bills
  • Smart Move Balance Transfer to consolidate all your credit card outstanding debts from other financial institution
  • Smart Instalment to convert your purchase into affordable monthly payments
  • CashXcess gives you some cash relief that can be paid over an instalment at a low rate
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