RHB Islamic Smart Value Credit Card-i credit card

RHB Islamic Smart Value Credit Card-i

Earn up to 5% cashback on daily expenses: online shopping, groceries, petrol and utilities. Plus, an unlimited 0.2% cashback on everything else.

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • up to 5% cashback
  • 4% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM74.20 annual fee

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Up to 5% cashback on petrol, groceries, utilities and online purchases every month, capped at RM10 for each category. Spend on everything else outside of that categories earn you 0.2% unlimited cashback.
Discover how much you can save when you shop with your new RHB Islamic Smart Value Credit Card-i
Cashback CategoryCashback RateMonthly CapSpend
Petrol, Groceries, Online Purchases and UtilitiesSpendfrom RM500 up to RM1500 monthly1%RM10from RM500 up to RM1500 monthly
Petrol, Groceries, Online Purchases and UtilitiesSpendfrom RM1501 up to RM2500 monthly2%RM10from RM1501 up to RM2500 monthly
Petrol, Groceries, Online Purchases and UtilitiesSpendfrom RM2501 and above monthly5%RM10from RM2501 and above monthly
Other RetailSpendfrom RM1 and above monthly0.2%uncappedfrom RM1 and above monthly
Balance Transfer
Now you can do away paying 18% p.a. charges on your outstanding debts by transferring your balances from other credit cards to RHB Islamic Smart Value Credit Card-i and repay them over flexible terms up to 24 months at a low one-time charge.
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)
Take advantage of 0% instalment plan for up to 24 months when you convert RHB Islamic credit card payment made from over 70 participated merchants to RHB Smart Instalment. What's more, you can convert amount up to 100% of your credit limit!
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 months9% one-time upfront handling feefrom RM1000 
24 months15% 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
Petrol
Earn up to 5% cashback when you fill in the tank at petrol stations nationwide - beat that weekly petrol price fluctuation!
Travel
Travel with peace of mind up to RM100,000 of travel Takaful coverage for you and your family.
Travel CoverageSum Insured
Travel InsuranceUp to RM100000

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM74.20
  • Free for first year
  • Waived when 12 swipes per year for subsequent years
Annual Fee for Supplementary Card
RM0
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
RM15.90 or 5.30% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

All fees & charges are inclusive of 6% GST if applicable

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 Smart Value Credit Card-i review

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

Are you looking for a credit card that gives you more values when swiping on Halal transactions? RHB Islamic Smart Value Credit Card-i is designed with Shariah compliance in mind for the Everyday People - where cashback and practicality go hand in hand.

Up to 5% Cashback

Petrol, groceries and utilities are some of the most basic necessities to the working class. We all know that prices are going up everywhere and a single week of grocery shopping can come to a few hundred ringgit.

You can keep your hard cash for the unexpected and turn to RHB Islamic Smart Value Credit Card-i as it gives you your money back by way of cashback on these expenses. 

Depending on your monthly spending appetite, you could be earning 5% cashback, or RM10 every month, when you spend from RM2,500 and above.

Besides the fact that you can cash in on your everyday expenses, this credit card also allows you to splurge on online spending and earn tiered cashback - don't let your wishlist items stay in the cart for too long! 

Made for Halal Transactions

It is worth noting that this Islamic credit card follows the Shariah concept of Ujrah which is a fee payable to the bank for its service of facilitating a payment method (the credit card).

Keep in mind that you can only swipe your Smart Value 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.

Free Travel Takaful Coverage

It’s a rare occasion when the working class take a break from work and go on a vacation. Once you are finally freed from your desk, book your flight ticket with Smart Value Credit Card-i to enjoy a complimentary travel Takaful coverage worth RM100,000, for both you and your family.

Flexible Credit Lifelines

Often times people will avoid credit card for fear of impulse swiping and delinquent on payment. But do you know that credit card can do you an immense favor in meeting your financial difficulties?

There are instances where your purse string is tight but you need to survive the day, or your favorite items in the store is fast selling out but you don't have enough cash, here's where you can be smart.

For a flexible easy payment plan with low profit charges and longer tenures, you can check out the RHB Smart Instalment and RHB Dial-An-Instalment. Or, if you're looking to consolidate all your credit card outstanding debts, have a look at the RHB Smart Move Balance Transfer plan.

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