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-iMotion Code technology
Min. Income
RM2,000/month
Annual Fee
Free*
Balance Transfer
From 4.99% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Lazada E-Voucher
worth RM50
when you apply through RinggitPlus3

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Rewards

Earn up to 10x Rewards Points when you spend on movie tickets, Overseas spend, Online & E-Wallet, Health & Takaful and Retail shopping. That's not all - for every RM1 spend in other retail categories, you get 1x Reward Point!

Rewarding Points
EarnSpend
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 Spend
2 points on every RM1takaful Insurance Spend
2 points on every RM1retail Shopping
1 point on every RM1other Retail Spends

Premium

For a limited time until 30 June 2020, enjoy zero green fees at participating golf clubs in Malaysia.

Balance Transfer

Transfer your outstanding balance from other credit cards to RHB credit card via RHB Smart Move Balance Transfer plan to benefit 4.99% for up to 36 months' tenure.

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

RHB Smart Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM1,000
9 months0% p.a. and no one-time upfront handling feeRM1,000
12 months0% p.a. and no one-time upfront handling feeRM1,000
24 months0% p.a. and no one-time upfront handling feeRM1,000
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  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 24 months. Combine all of your debts and use 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% for 12 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.

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.

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 RM20,000 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. The annual fee is waived for supplementary cardholders.

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

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 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