RHB Islamic Smart Value Credit Card-i credit card

RHB Islamic Smart Value Credit Card-i

Earn up to 5% Cashback on Shopping Online, Groceries, Petrol, Utilities and so much more.

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • up to 5% cashback
  • 0% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM74.20 annual fee

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Enjoy rebates up to 5% on Petrol, Grocery and Online Shopping as well as Utilities with a monthly cap of RM15
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%RM15from RM500 up to RM1500 monthly
Petrol, Groceries, Online Purchases and UtilitiesSpendfrom RM1501 up to RM2500 monthly2%RM15from RM1501 up to RM2500 monthly
Petrol, Groceries, Online Purchases and UtilitiesSpendfrom RM2501 and above monthly5%RM15from RM2501 and above monthly
Other RetailSpendany amount monthly0.2%RM10any amount monthly
Balance Transfer
Why pay more interest on your outstanding balances, consolidate them with the RHB Islamic Smart Move Balance Transfer and choose repayment periods up to 24 months with interest rates as low as 7.3%.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and no one-time upfront handling feefrom RM1000 
9 months1.8% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about RHB Islamic Smart Move Balance Transfer
Easy Payment Plan (EPP)
Need to make an expensive purchase for your significant other? Charge it to your RHB credit card and sign up for the RHB Islamic Dial-An-Installment. Pay for it over a period of up to 24 months with only a one time handling fee, that can go as low as 2.5%.
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feefrom RM500 
12 months5% one-time upfront handling feefrom RM1000 
24 months17.5% one-time upfront handling feefrom RM2000 
Learn more about RHB Islamic Dial-An-Installment
Petrol
Earn up to 5% Cashback with Petrol Purchases.
Travel
Travel safe and easy with up to RM100,000 of Takaful travel insurance 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
Annual Fee for Supplementary Card
RM42.40
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%
Daily Maximum Cash Withdrawal
50% of total amount
Contact-less Payment Methods
payWave

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 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 Islamic Dial-An-Installment
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
RHB Islamic Smart Move Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.