RHB Rewards MasterCard Credit Card
A credit card that's perfect for everyday purchases - online or retail. Get rewarded with up to 10x Reward Points on your everyday spending, including movie ticket purchases.

Product summary
- Min. Income
- RM2,000/month
- Annual Fee
- Free*
- Balance Transfer
- From 4.88% p.a.
- Easy Payment Plan
- From 0% p.a.
- Interest Rate
- 15% p.a.
- Interest-free
- 20 days
Get a FREE
Apple iPhone 16 Pro
worth RM4999
when you apply through RinggitPlus *

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Rewards
Earn 10x Reward Points when you buy movie tickets, whereas up to 4x Reward Points for Overseas, Online, Health, Insurance and Retail shopping. That's not all - for every RM1 spent in other retail categories, you will get 1x Reward Points too!
Earn | Spend |
---|---|
10 points on every RM1 | on movie ticket purchases |
4 points on every RM1 | on overseas spending |
3 points on every RM1 | on online transaction |
2 points on every RM1 | on health and insurance spending |
2 points on every RM1 | on retail shopping |
1 point on every RM1 | on other retail spending |
Balance Transfer
Take advantage of 4.88% interest per annum for 36 months by moving your credit card balance to RHB with Smart Move Balance Transfer plan. Terms and conditions apply.
Pay Over | With Interest Rate At | When You Transfer |
---|---|---|
6 months | 4.88% p.a. and no one-time upfront handling fee | from RM1,000 |
12 months | 4.88% p.a. and no one-time upfront handling fee | from RM1,000 |
24 months | 5.88% p.a. and no one-time upfront handling fee | from RM1,000 |
36 months | 6.88% p.a. and no one-time upfront handling fee | from RM1,000 |
Easy Payment Plans
Turn your wish list into reality with a flexible payment plan of up to 36 months at ZERO interest from an RHB credit card.
Pay Over | With Interest Rate At | When You Spend |
---|---|---|
6 months | 0% p.a. and no one-time upfront handling fee | RM500 |
12 months | 0% p.a. and no one-time upfront handling fee | RM500 |
24 months | 0% p.a. and no one-time upfront handling fee | RM500 |
36 months | 0% p.a. and no one-time upfront handling fee | RM500 |
Fees & Charges
- Annual Fee
- RM200 primary card
Free for first year
Waived when you spend RM10,000 each year on the subsequent years
- RM0 supplementary card
- RM200 primary card
- Sales and Service Tax
- RM25 on each principal and supplementary card upon activation and anniversary date
- Minimum Monthly Payment
- RM50 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
- payWave
Requirements
- Minimum Annual Income
- RM24,000
- Minimum Age
- 21 to 60 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 36 months. Use the 100% available credit limit under this plan.
- Cash Advance / Cash Loan
- RHB CashXcess
- Need extra cash? You can withdraw from your principal RHB Credit Card/-i via this plan and enjoy interest rates from 7.88% p.a., valid until 31 December 2025. T&Cs apply.
- Balance Transfer Plans
- RHB Smart Move Balance Transfer
- Enjoy great savings with as low as 4.88% p.a. interest for up to 36 months to repay and consolidate your debt from other credit cards to your new RHB credit card.