RHB Smart Value Visa Card credit card

RHB Smart Value Visa Card

Be a smart spender and get up to 5% cashback on petrol, groceries, utilities and online purchases. Always on-the-go? Get covered with complimentary travel insurance of up to RM100,000.

  • 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 Visa Card

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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 Visa Card
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 Visa Card 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
Visa payWave

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 Visa Card review

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

Up to 5% Cashback

Save more on the important purchases in your everyday life – petrol, groceries, online shopping and utilities. The cashback is only applicable on local spending with a minimum of RM500 and above.

Expenses on petrol, groceries, online shopping and utilities will earn you a monthly cashback of up to RM10 for each category, 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.

Best Cashback for the Savvy Millennial

For frequent drivers, why limit yourself to one petrol brand when you can get cashback on all petrol stations in Malaysia such as Petronas, Shell, Petron, Caltex?

Tired of choosing a single good credit card just for that one e-commerce website you think and hope will offer everything you’ll ever need online? With the RHB Smart Value Visa Credit Card, you can get cashback on all e-commerce websites. 

Whether it’s Agoda, Groupon, Lazada, Zalora or some new shopping sites you wished your spouse would never know about, RHB has got you covered.

You can also save more when you pay your utility bills. The participating merchants you could earn cashback from are Maxis, Tenaga Nasional Berhad, Astro and all the other utility service providers.

Grocery shopping at all hypermarkets or supermarkets - such as Giant, Cold Storage and Aeon Big - are also eligible for cashback rewards.

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.

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 Visa Card 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.

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