RHB Smart Value Visa Card credit card

RHB Smart Value Visa Card

Never need to worry about your travel insurance as you will be protected for 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
Rebates up to 5% cashback on your petrol, grocery, utilities and online purchase every month. Cashback capped at RM15 for each category. Enjoy 0.2% cashback on all other purchases.
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%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
Just consolidate your credit card outstanding balance and transfer to RHB Smart Move Balance Transfer for lower one-time interest rate from 4% p.a.. The balance transfer period is 12, 18 and 24 months.
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)
With RHB Smart Instalment, you can get 0% interest instalment for all your purchases with participating merchants. For all the other purchases, the interest rate can be as low as 2.5% p.a. for 6 months instalment with RHB Dial-An-Instalment.
Pay OverWith Interest Rate AtWhen You Spend
6 months1.2% one-time upfront handling feefrom RM1000 
6 months2.5% one-time upfront handling feefrom RM500 
12 months2.99% one-time upfront handling feefrom RM1500 
12 months5% one-time upfront handling feefrom RM1000 
24 months17.5% 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
Enjoy up to 5% cashback on petrol expenses at all petrol stations. The maximum monthly cap is RM15.
Travel
You will be protected with travel insurance coverage of up to RM100000 for your family and yourself when you travel overseas. Just charge your airline tickets to your RHB Smart Value Visa Card.
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
payWave

*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 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, utilities and retail spending. The cashback is only applicable on local spending with a minimum of RM500 and above.

The maximum cashback is RM70 for all categories combined. Expenses on petrol, groceries, online shopping and utilities will earn you a maximum cashback of RM15 for each category. Meanwhile, cashback for retail spending on other categories is capped at RM10.

Best Cashback for the Tech-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 site 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.

Wave to Pay

Plugging in your card into a terminal, printing the receipt and putting your signature on it? How passé! To pay for purchases quickly and conveniently, you can just wave your RHB Smart Value Visa Card over a secure contactless terminal in stores accepting Visa payWave.

Complimentary Travel Insurance

Oops, forgot to get travel insurance when you were rushing to get the lowest-priced flight tickets? Don’t worry, just charge your airline booking tickets to your RHB Smart Value Visa Card and you are eligible to travel overseas with peace of mind with 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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