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)
  • RM70.00 annual fee

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Because you should be rewarded for giving the bank your business

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 months7% one-time upfront handling feefrom RM1000 
24 months9% 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
Earn up to 5% cashback when you fill in the tank at petrol stations nationwide - beat that weekly petrol price fluctuation!
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
  • First year free
  • Waived when 12 swipes per year for subsequent years
Annual Fee for Supplementary Card
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
Contact-less Payment Methods
MasterCard PayPass


Are you eligible for this credit card?

Minimum annual income
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


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?

Save money with cashback

Cashback, as the name suggested, is a feature whereby you can get a portion of your money back into your wallet (not literally, but by right) because you may want to save more on important purchases such as groceries, petrol and bill payments in your every day life.

Here's how RHB Smart Value MasterCard can help you get through the ever rising cost of goods and services with cashback of up to 5%:

Spending AmountCategoryCashback RateMonthly Cap
RM500 - RM1,500Petrol, Groceries, Utilities, Online Transactions1%RM10
RM1,501 - RM2,500Petrol, Groceries, Utilities, Online Transactions2%RM10
RM2,501 and abovePetrol, Groceries, Utilities, Online Transactions5%RM10
RM1 and aboveOther Retail0.2%uncapped

Now, the best part about this RHB Smart Value MasterCard is that when you spend a minimum of RM500 and above on each category, you can earn RM10 cashback every month, totaling a maximum cashback of RM40 for all categories combined.

That's not all, you can also collect unlimited cashback from swiping on other retail transactions at 0.2% cashback per Ringgit spent.

Flexible credit lifelines

Did you know that RHB Smart Value MasterCard comes ready with a minimum credit limit of RM4,000? Now you do. From this default amount, you can increase the credit limit according to your appetite up to RM300,000, depending on your income requirement.

This cashback credit card is also packed with a line of credits that is designed to help you stay afloat for a short to medium term. For instance, if you want to consolidate all of your outstanding credit cards at lower interest rate, RHB Smart Move Balance Transfer has got your back.

Or you can convert your retail purchases into affordable monthly instalments via RHB Dial-an-Instalment or RHB Smart Instalment. Last but not least, you can also borrow cash from your credit card through RHB CashXcess at low charges, with flexible repayment.

Complimentary Travel Insurance

Forgot to equip yourself with a travel insurance before boarding the flight? Don’t worry, just charge your airline booking tickets to your RHB Smart Value MasterCard to be automatically covered with a travel insurance coverage of up to RM100,000.

The coverage extends to your spouse and children, and the travel insurance policy is underwritten by RHB Insurance 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 Visa supports PayWave, Visa’s contactless payment technology that works just like MasterCard PayPass.

This allows you to pay instantly at a contactless point of sale with the PayWave 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 via contactless. The cashier will enter the payment amount which will be displayed on the PayWave reader. Then, just wave your card over the contactless symbol. No signature or PIN is required.

Who can apply?

Anybody aged 21 years old and above can apply for RHB and RHB Islamic Credit Cards. All you need to prepare is a valid identification card and other income and financial supporting documents as required by RHB.

If you're a self employed individual, you need to have a business with a minimum of 5 years in operation to qualify for RHB credit card application.

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