RHB Smart Value MasterCard credit card

RHB Smart Value MasterCard

Just make your purchases convenient by waving your card for payment. What's more - enjoy travel insurance coverage of up to RM100000.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 5% cashback
  • 7.3% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM74.20 annual fee

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Earn cashback of up to 5% for petrol, grocery, online purchases and utilities. Maximum monthly cap is RM15 for each category. All the other retail purchases give you 0.2% cashback with maximum monthly cap of RM10.
Discover how much you can save when you shop with your new RHB Smart Value MasterCard
Cashback CategoryCashback RateMonthly CapSpend
Petrol, Groceries, Online Purchases and UtilitiesSpendfrom RM500 up to RM1500 monthly1%RM15from RM500 up to RM1500 monthly
Petrol, Groceries, Online Purchases and UtilitiesSpendfrom RM1501 up to RM2500 monthly2%RM15from RM1501 up to RM2500 monthly
Petrol, Groceries, Online Purchases and UtilitiesSpendfrom RM2501 and above monthly5%RM15from RM2501 and above monthly
Other RetailSpendany amount monthly0.2%RM10any amount monthly
Balance Transfer
With RHB Smart Move Balance Transfer, you can opt to transfer your credit card outstanding balances for low interest rate from 4% per annum.
Pay OverWith Interest Rate AtWhen You Transfer
12 months7.3% p.a. and 4% one-time upfront handling feefrom RM1000 
18 months8.67% p.a. and 7% one-time upfront handling feefrom RM1000 
24 months10.22% p.a. and 10.99% one-time upfront handling feefrom RM1000 
Learn more about RHB Smart Move Balance Transfer
Easy Payment Plan (EPP)
Enjoy zero interest instalment with RHB Smart Instalment when you make purchases with participating merchants. For all the other purchases, you can enjoy 2.5% p.a. interest rate for all the other purchases.
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feefrom RM500 
24 months17.5% one-time upfront handling feefrom RM2000 
12 months4% one-time upfront handling feefrom RM2000 
Learn more about RHB Dial-An-Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feefrom RM1000 
9 months0% p.a. and no one-time upfront handling feefrom RM1000 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about RHB Smart Instalment
Petrol
Up to 5% petrol cashback when you spend RM2501 and above. The maximum monthly cap is RM15.
Travel
Enjoy travel insurance coverage of up to RM100000 for your family and yourself.
Travel CoverageSum Insured
Travel InsuranceUp to RM100000

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM74.20
Annual Fee for Supplementary Card
RM42.40
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
RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
PayPass

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 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 Smart Value MasterCard review

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

Cashback

With the RHB Smart Value MasterCard, you can earn up to 5% cashback on purchases for petrol, groceries, online shopping and utility bills.

  • 1% cashback for spending between RM500 and RM1500
  • 2% cashback for spending between RM1501 and RM2500
  • 5% cashback for spending more than RM2501

The maximum monthly cap is RM15 for each category. For all the other spending, you can get 0.2% cash rebate, capped at RM10 per month.

Eligible Merchants

If you're looking for a petrol credit card, RHB Smart Value MasterCard offers you cashback on transactions at all petrol stations nationwide, such as Petronas, Shell, Petron and Caltex.

Grocery shopping allows you to earn cashback too. Just visit your nearest stores such as Cold Storage, AEON BiG, Giant or any hypermarkets or supermarkets to stock up your weekly sundries.

Online shopping has never been more convenient these days. You can get anything you want from all over the world in just a click away. With the RHB Smart Value MasterCard, you can earn cashback on your purchases from any e-commerce websites such as Zalora, Lazada and Groupon.

Besides that, you can also save on utility bills when you pay for your electricity, water, phone and Internet bills. This offer is applicable to all utility service providers such as Astro, Digi and Tenaga Nasional Berhad.

PayWave Transactions

The signal icon formed by 4 white lines at the upper right corner of the card means that your RHB Smart Value MasterCard supports PayPass, MasterCard’s contactless payment technology that works just like Visa payWave. This allows you to pay instantly at a contactless point of sale with the PayPass symbol. The participating merchants include Tesco, Giant, Starbucks, The Coffee Bean & Tea Leaf, MPH, Secret Recipe and many more.

When making a payment, just tell the cashier you would like to pay with PayPass. The cashier will enter the payment amount which will be displayed on the PayPass reader. Then, just wave your card over the contactless symbol. No signature or PIN is required.

Complimentary Travel Insurance

RHB Smart Value MasterCard is one of few lower income requirement credit cards that offer free travel insurance. Now, you can enjoy peace of mind when you travel overseas with your spouse and children. The maximum travel coverage is up to RM100000 - just remember to charge your air tickets to the credit card.

Keep in mind that the insurance coverage is underwritten by RHB Insurance Berhad.

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