RHB Smart Value MasterCard credit card

RHB Smart Value MasterCard

Get more value out of your spending with up to 5% cashback on petrol, groceries, utilities and online purchases. Always on-the-go? Get covered with a complimentary travel insurance.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 5% cashback
  • 4% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM74.20 annual fee

Apply online now for RHB Smart Value MasterCard

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Up to 5% cashback on petrol, groceries, utilities and online purchases every month, capped at RM10 for each category. Spend on everything else outside of that categories earn you 0.2% unlimited cashback.
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%RM10from RM500 up to RM1500 monthly
Petrol, Groceries, Online Purchases and UtilitiesSpendfrom RM1501 up to RM2500 monthly2%RM10from RM1501 up to RM2500 monthly
Petrol, Groceries, Online Purchases and UtilitiesSpendfrom RM2501 and above monthly5%RM10from RM2501 and above monthly
Other RetailSpendany amount monthly0.2%uncappedany amount monthly
Balance Transfer
Now you can do away paying 18% p.a. charges on your outstanding debts by transferring your balances from other credit cards to RHB Smart Value MasterCard and repay them over flexible terms up to 24 months at a low one-time charge.
Pay OverWith Interest Rate AtWhen You Transfer
12 months4% p.a. and 0% one-time upfront handling feefrom RM1000 
18 months7% p.a. and 0% one-time upfront handling feefrom RM1000 
24 months10.99% p.a. and 0% one-time upfront handling feefrom RM1000 
Learn more about RHB Smart Move Balance Transfer
Easy Payment Plan (EPP)
Take advantage of 0% instalment plan for up to 24 months when you convert RHB credit card payment made from over 70 participated merchants to RHB Smart Instalment.
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feefrom RM500 
12 months5% one-time upfront handling feefrom RM1000 
18 months9% one-time upfront handling feefrom RM1000 
24 months15% 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
Earn up to 5% cashback when you fill in the tank at petrol stations nationwide - beat that weekly petrol price fluctuation!
Travel
Travel with peace of mind with up to RM100,000 of travel insurance coverage for you and your family.
Travel CoverageSum Insured
Travel InsuranceUp to RM100000

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM74.20
  • First year free
  • Waived when 12 swipes per year for subsequent years
Annual Fee for Supplementary Card
RM0
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
MasterCard PayPass

All fees & charges are inclusive of 6% GST if applicable

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
65 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 Smart Value MasterCard review

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

Up to 5% 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 RM1,500
  • 2% cashback for spending between RM1,501 and RM2,500
  • 5% cashback for spending more than RM2,501

The maximum monthly cashback is capped at RM10 for each category. For other retail spending, you can get an unlimited 0.2% cashback with every swipe of your RHB Smart Value MasterCard.

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.

Contactless 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, underwritten by RHB Insurance BHD.

Now, you can enjoy peace of mind when you travel overseas with your spouse and children. The maximum travel coverage is up to RM100,000 - just remember to charge your air tickets to the credit card.

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