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

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

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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 RetailSpendany amount monthly0.2%uncappedany amount 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 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
65 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 Smart Instalment
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
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?

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.

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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