RHB Rewards MasterCard Credit Card

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

15% p.a. interest rate
20 days interest-free period
4% p.a. balance transfer over 12 months
Easy Payment Plan (EPP)
RM200.00 annual fee
Earn up to 10x reward points

Benefits
Fees & Charges
Requirements
Features
Review
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2018-02-142019-07-31

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Benefits

Because you should be rewarded for giving the bank your business

Rewards

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

Rewards Points
Earn	Spent
10 points on every RM1	movie Tickets
4 points on every RM1	overseas Spend
3 points on every RM1	online & E-wallet Transaction
2 points on every RM1	health
2 points on every RM1	insurance
2 points on every RM1	retail Shopping
1 point on every RM1	other Retail Spends

Your Rewards Points earned expires in 3 years

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 Over	With Interest Rate At	When You Transfer
12 months	4% p.a. and 0% one-time upfront handling fee	from RM1000
18 months	7% p.a. and 0% one-time upfront handling fee	from RM1000
24 months	10.99% p.a. and 0% one-time upfront handling fee	from RM1000

Learn more about RHB Smart Move Balance Transfer

Easy Payment Plan (EPP)

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.

Pay Over	With Interest Rate At	When You Spend
6 months	2.5% one-time upfront handling fee	from RM500
12 months	5% one-time upfront handling fee	from RM1000
18 months	7% one-time upfront handling fee	from RM1000
24 months	9% one-time upfront handling fee	from RM2000

Learn more about RHB Dial-An-Instalment

Pay Over	With Interest Rate At	When You Spend
6 months	0% p.a. and no one-time upfront handling fee	from RM1000
9 months	0% p.a. and no one-time upfront handling fee	from RM1000
12 months	0% p.a. and no one-time upfront handling fee	from RM1000
24 months	0% p.a. and no one-time upfront handling fee	from RM1000

Learn more about RHB Smart Instalment

Fees & Charges

There are always fees but how much are they?

Annual Fee

RM200.00

Waived when you spend RM10,000 each year
Free for first year

Annual Fee for Supplementary Card

RM0

Sales and Service Tax

RM25 on each principal and supplementary card upon approval and anniversary date

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

RM15.00 or 5.00% of withdrawn amount, whichever is higher

Interest Rate on Cash Withdrawals

18%

Contact-less Payment Methods

MasterCard PayPass

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: 60 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 Dial-An-Instalment; RHB Smart Instalment; Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.

Cash Advance / Cash Loan: RHB CashXcess; Cash Advance is a loan against the credit limit of your card at a reasonable rate.

Balance Transfer: RHB Smart Move Balance Transfer; Balance transfer allows you to consolidate debt from your other credit cards onto this card.

RHB Rewards MasterCard Credit Card review

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

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

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. Annual fee is waived for supplementary cardholders.

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 Rewards Points such as:

10X Movie Tickets
4X Overseas transactions
3X Online & E-Wallet transactions
2X Health & Insurance related transactions
2X Retail Shopping transactions
1X Other Retail transactions

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

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 Islamic Cash Back Credit Card-i 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