RHB Rewards MasterCard Credit Card

Up to 10x reward points for spending on Movie Tickets, Overseas, Online & E-wallet, Health, Insurance and Shopping.

RHB Rewards MasterCard Credit CardUp to 10x Reward Points
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

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Rewards

Earn 10x Reward Points when you buy movie tickets, whereas up to 4x Reward Points for Overseas, Online, E-Wallet, Health, Takaful & Retail shopping. That's not all - for every RM1 spend in other retail category, you will get 1x Reward Point too!

Rewards Points
EarnSpend
10 points on every RM1movie Tickets
4 points on every RM1overseas Spend
3 points on every RM1online & E-wallet Transaction
2 points on every RM1health
2 points on every RM1insurance
2 points on every RM1retail Shopping
1 point on every RM1other Retail Spends

Balance Transfer

Exclusively for new customers, enjoy 0% interest for 12 months with RHB Smart Move Balance Transfer plan! Transfer your outstanding balance from other credit cards to RHB credit card via Smart Move Balance Transfer plan to benefit from low interest rate and flexible repayment terms.

Pay OverWith Interest Rate AtWhen You Transfer
6 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
12 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
18 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
36 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about RHB Smart Move Balance Transfer

Easy Payment Plans

Turn your wish list into reality with a flexible payment plan of up to 24 months from RHB credit card. Enjoy 0% interest with RHB Smart Instalment, or pay a small one-time upfront interest with RHB Dial-An-Instalment.

RHB Dial-An-Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feeRM500
12 months5% one-time upfront handling feeRM1,000
18 months7% one-time upfront handling feeRM1,000
24 months9% one-time upfront handling feeRM2,000
Learn more about RHB Dial-An-Instalment
RHB Smart Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about RHB Smart Instalment

Fees & Charges

Annual Fee
  • RM200 primary card

    Waived when you spend RM10,000 each year

    Free for first year

  • RM0 supplementary 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
MasterCard PayPass

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 Dial-An-Instalment
Anything your heart desires is only a phone call away - swipe a minimum of RM500, choose your preferred tenure and off you go!
RHB Smart Instalment
Convert your purchase into affordable monthly instalments with 0% interest for up to 36 months. Combine all of your debts and use 100% available credit limit under this plan.
Cash Advance / Cash Loan
RHB CashXcess
Need extra cash? Apply for RHB CashXcess and enjoy low interest rates at affordable monthly instalments.
Balance Transfer Plans
RHB Smart Move Balance Transfer
Enjoy great savings with interest rates as low as 4.88% for 12 months to repay and consolidate your debt from other credit cards to your new RHB credit card.

Review

Elevate your lifestyle with RHB Rewards MasterCard Credit Card, a credit card that rewards you of up to 10X for your lifestyle spends.

Apply for RHB Rewards MasterCard Credit Card and Get Up to 10X Reward Points

Always feel restricted by your credit card's limited reward points?

Be set free as RHB Rewards MasterCard Credit Card can help you earn unlimited Reward Points such as:

  • 10X Movie Tickets
  • 4X Overseas transactions (transactions performed physically out of Malaysia)
  • 3X Online & E-Wallet transactions
  • 2X Health & Insurance-related transactions
  • 2X Retail Shopping transactions
  • 1X Other Retail

With unlimited reward points to earn, you can now enjoy the freedom to maximise your Reward Points by redeeming your favourite products, vouchers, frequent flyer miles and annual fee waiver.

Annual Fee Waiver

For the first year, the RHB Rewards MasterCard Credit Card is free of charge. 

On subsequent years, the annual fee is at RM200 but will be waived when you spend a minimum of RM10,000 in a year on your Rewards Credit Card.

Bear in mind that the Sales & Service Tax of RM25 will be charged upon the anniversary date of your credit card. 

The annual fee is waived for supplementary cardholders.

Enjoy Flexible Line of Credits

There is a slew of benefits in a credit card when you use it efficiently. 

After all, it is made to extend your credit when you require it, whether to pay for your personal needs or daily expenses. 

RHB Rewards MasterCard Credit Card offers you:

  • Smart Move Balance Transfer to consolidate all your credit card outstanding debts from other financial institution
  • Smart Instalment and Dial-An-Instalment to convert your purchase into affordable monthly payments
  • CashXcess to give you some cash relief that can be paid over an instalment at low rate

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