- *Fly for Free & Win a Volkswagen Polo Car! - Terms and Conditions apply.
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 spending in other categories. For every RM1 spend, you get 1x Reward Point!
Your Rewards Points earned expires in 3 yearsRewards Points Earn Spent 10 points on every RM1 entertainment (Cinema Movie Ticket-MCC 7832) 4 points on every RM1 overseas Transaction 3 points on every RM1 online Transaction 2 points on every RM1 health 2 points on every RM1 insurance 2 points on every RM1 shopping 1 point on every RM1 others
- Balance Transfer
- 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.
Learn more about RHB Smart Move Balance TransferPay 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
- 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.
Learn more about RHB Dial-An-InstalmentPay 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 Smart InstalmentPay 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
- Travel
- Maximize your frequent flyer benefits with Malaysia Airlines, Singapore Airline and AirAsia by converting Reward Points to Air Miles.
- Premium
- Enjoy great discounts at any Plaza Premium Lounges in Malaysia and worldwide, and zero green fees at participating golf clubs in Malaysia.
Fees & Charges
There are always fees but how much are they?
- Annual Fee
- RM200.00
- Waived when you spend RM24,000 each 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
- Visa payWave
Requirements
Are you eligible for this credit card?
- Minimum annual income
- RM48000
- 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.