RHB Rewards Motion Code Credit Card

Get rewarded with up to 10x Rewards Points on your purchases. Featuring Motion Code technology, you can now perform transactions more securely than ever and protect your credit info against online fraud.

RHB Rewards Motion Code Credit CardReward Points on Everyday Purchases
Min. Income
RM2,000/month
Annual Fee
Free*
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Touch 'n Go E-Wallet Credit
worth RM5000
when you apply through RinggitPlus *

Touch 'n Go E-Wallet Credit

Our Previous Winners

Rewards

Reward yourself with up to 10X Loyalty Points per Ringgit spent on movie ticket purchases and your everyday spending. Other retail spending gets you 1x Loyalty Points.

RHB Loyalty Points
EarnSpend
10 points on every RM1on movie ticket purchases
4 points on every RM1on overseas spending
3 points on every RM1on online purchases
2 points on every RM1on health and insurance spending
2 points on every RM1on retail shopping
1 point on every RM1on other spending

Premium

Enjoy no green fee charges at participating golf clubs in Selangor, Malaysia namely Sungai Long Golf & Country Club and Kota Permai Golf & Country Club. Feel free to give the RHB Customer Care Centre a call at +603 92068118 for any inquiries or bookings.

Balance Transfer

Transfer your outstanding balance from other credit cards to an RHB credit card via the RHB Smart Move Balance Transfer plan. Enjoy a special offer of 0% interest per annum over a 12-month tenure. Terms and conditions apply!

Pay OverWith Interest Rate AtWhen You Transfer
12 months0% p.a.and no one-time upfront handling feefrom RM1,000
6 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.88% p.a. and no one-time upfront handling feefrom RM1,000
36 months6.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about RHB Smart Move Balance Transfer

Easy Payment Plans

RHB Smart Instalment lets you stretch your payments up to 36 months at 0% interest with participating merchants.

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

    First year free

    Waived when you spend RM20,000 in a year from the second year onwards

  • 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
Visa 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 zero interest rates, valid until 31 December 2024.
Balance Transfer Plans
RHB Smart Move Balance Transfer
Enjoy great savings with a 0% interest rate per annum for 12 months to repay and consolidate your debt from other credit cards to your new RHB credit card.

Review

Get Protected with RHB's Motion Code™ Technology

RHB Rewards Motion Code Credit Card

Introducing Motion CodeTM technology where shopping or transacting online is now more secure than before!

Powered by a battery within your credit card, an e-ink mini screen is embedded at the back of your card that displays the 3-digit Dynamic Card Verification Value (CVV). 

This CVV security code automatically refreshes to a random new code every 4 hours. With this innovative solution, any stolen card information cannot be abused, stored or reused by potential fraudsters.

Adding on to having zero charges for this added security feature that protects you from online fraud, you will be able to enjoy 3X Loyalty Points on your online shopping.

Up to 10X Loyalty Points for you to collect

Always feel restricted by your credit card's limited loyalty/reward points? Be set free as the RHB Rewards Motion Code Credit Card can help you earn unlimited Loyalty Points for every RM1 spent. Check out the categories below:

  • 10X Loyalty Points on movie ticket purchases
  • 4X Loyalty Points on overseas transactions
  • 3X Loyalty Points on online transactions
  • 2X Loyalty Points on health and insurance-related transactions
  • 2X Loyalty Points on retail shopping transactions
  • 1X Loyalty Points on other retail transactions

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

Annual Fee Waiver

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

In subsequent years, the annual fee is at RM200 but will be waived when you spend a minimum of RM20,000 in a year on your Rewards Credit Card. Additionally, the annual fee is waived for supplementary cardholders.

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

RHB Rewards Motion Code Credit Card Flexible Line of Credits

There is a slew of benefits in the RHB Rewards Motion Code 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 Motion Code Credit Card offers you:

  • Smart Pay for monthly auto payment of Telekom, Maxis, Digi, Astro and other bills
  • Smart Move Balance Transfer to consolidate all your credit card outstanding debts from other financial institution
  • Smart Instalment to convert your purchase into affordable monthly payments
  • CashXcess gives you some cash relief that can be paid over an instalment at a low rate

0% Interest RHB Smart Move Balance Transfer Campaign

Looking to lessen your credit card debts? If you are a Principal or Primary cardholder of other banks’ credit card(s) issued in Malaysia, take this chance to transfer your outstanding balances to a new RHB credit card/-i at ZERO interest!

Valid from now until 31 December 2024 (“Campaign Period”), you can enjoy 0% interest over 12 months of a balance transfer plan with a minimum transfer amount of RM1,000, subject to the campaign’s terms and conditions. The maximum transfer amount would be up to RM30,000 but this is subject to 80%* of your available RHB Credit Card/-i credit limit.

Additionally, this campaign applies to new-to-bank credit cardholders and you can make an application within two (2) months from your new RHB Credit Card/-i approval date.

Any RHB Supplementary cards, RHB Business Credit Card, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i are not eligible for this balance transfer campaign.

If you are keen, make an application by visiting any RHB branch or give a call to the RHB Customer Contact Centre at 03 9206 8118 to take part!

RHB Dial-An-Instalment Campaign

An instalment plan can help you have a better cash flow if you wish to buy a big-ticket item. It’s even better if the plan has ZERO rate and you can do so with the RHB Dial-An-Instalment, subject to the campaign’s terms and conditions.

This campaign ends on 31 December 2024, so grab this chance to enjoy a 0% one-time upfront rate and stretch your payments to 3, 6 or 12 months with a minimum transaction amount of RM300, RM500 and RM1,000 respectively. No maximum purchase amount limit is applicable. Refer to the below table for your easy reference.

Tenure Minimum Transaction Amount One-time Upfront Rate/Actual Management Fee Effective Rate
3 months RM300 0% 0%
6 months RM500 0% 0%
12 months RM1,000 0% 0%

You must be a new-to-RHB Credit Card/-i holder and you can only take part within three (3) months from the month that your new RHB card/-i is approved to participate in this campaign. The cards that are not eligible include RHB Business Credit Cards, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i.

If you are keen, make an application by giving a call to the RHB Customer Contact Centre at 03 9206 8118 to take part!

RHB CashXcess Zero Interest Campaign

From 1 January 2024 until 31 December 2024, you can enjoy 0% interest per annum when you withdraw from your Principal RHB credit card via the RHB CashXcess plan, subject to the campaign’s terms and conditions.

Referring to the T&C, the minimum withdrawal is set at RM1,000 while the maximum amount is set at up to RM30,000 subject to 80% of your available RHB Credit Card/-i credit limit. Only the Principal cardholder(s) is eligible to participate in this campaign and the CashXcess application must be approved within two (2) months from your RHB Credit Card/-i approval date.

The cards that are not eligible to participate include the RHB Supplementary Cards, RHB Business Credit Card, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i.

If you are keen, make an application by visiting any RHB branch near you or give a call to the RHB Customer Contact Centre at 03 9206 8118 to take part.

Once your CashXcess application has been approved, the said amount will be debited accordingly to your RHB Credit Card/-i account. Do ensure that your credit limit is sufficient before you apply!

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