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

Apply online now for RHB Islamic Smart Value Credit Card-i

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Because you should be rewarded for giving the bank your business

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
Earn up to 5% Cashback with Petrol Purchases.
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
  • Free for first year
  • Free for life for supplementary card
Annual Fee for Supplementary Card
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 5.00% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
50% of total amount
Contact-less Payment Methods

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


Are you eligible for this credit card?

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


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.

RHB Islamic Smart Value Credit Card-i review

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

Introducing the RHB Islamic Smart Value Credit Card-i, a card for the Everyday People. Where cashback and practicality go hand in hand.

RHB has come up with a new credit card that takes your needs into account.

Cashback benefits

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.

However, with the Smart Value Credit Card-i, RHB is helping you ease that burden, with the ability to earn up to 5% cash back on these expenses. So, whether you’re shopping for cereals or filling up the tank, know that all of those expenses will earn you cash back.

Besides the fact that you can cash in on your everyday expenses, this card also gives you cashback on your online spending. So click away and make money while saving money, no driving out to shop.

Peace of Mind

It’s a rare occasion when the working class take a break from life and go on a vacation. RHB understands that and now offers you RM100,000 complimentary Takaful travel insurance for both you and your family.

So, whether you go near or far, remember to charge all airline expenses to your Smart Value Credit Card-i to enjoy this travel benefit and have some piece of mind.

Get the Facts

It is relatively common for people to be completely unaware of the criteria for applying for a credit card. Well, we’ve got you covered.

You need to be earning a minimum of RM24,000 annually, which works out to about RM2,000 a month to be eligible for this card. Secondly, you need to be 21 or over to apply for any credit card.

This card in comes with a small annual fee of RM74.20 and if you happen to give a loved one a supplementary card, that the annual fee is only RM42.20 for that card.

Helpful Repayment Plans

If you are new to the world of credit cards and secondary lines of credit, then check out the RHB Islamic Dial-An-Instalment to help you manage your shopping expenses and enjoy lower interest rates on your expenses.

However, if you’ve been playing this game for a while, you might want to have a look at the RHB Islamic Smart Move Balance transfer plan to help you consolidate any outstanding balances. This way you can steadily pay off your bills on time and never have to worry about drowning in debt.

So sign up today to save more and enjoy some practical cash backs.

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