SOGO RHB Credit Card credit card

SOGO RHB Credit Card

Spending at Sogo gains you up to 5% cashback from RHB, in addition to earning S-Points with the KL SOGO S Card Membership Programme.

  • 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)
  • RM88.00 annual fee
  • Earn up to 1x reward point 

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Cashback of up to 5% whenever you spend at KL SOGO Department Store and Supermarket, capped at RM50 per month.
Discover how much you can save when you shop with your new SOGO RHB Credit Card
Cashback CategoryCashback RateMonthly CapSpend
KL SOGO Department Store and SupermarketSpendfrom RM1 up to RM500 monthly1%RM50from RM1 up to RM500 monthly
KL SOGO Department Store and SupermarketSpendfrom RM501 up to RM1000 monthly3%RM50from RM501 up to RM1000 monthly
KL SOGO Department Store and SupermarketSpendfrom RM1001 and above monthly5%RM50from RM1001 and above monthly
Rewards
Collect S-Points when you shop in KL SOGO, dine in and outside of KL SOGO, also make petrol purchases at all petrol station nationwide.
KL SOGO S Card Membership Programme
EarnSpent
1 point on every RM2at KL SOGO Supermarket
1 point on every RM1at KL SOGO Department Store
Your KL SOGO S Card Membership Programme earned expires in  2 years
Balance Transfer
Transfer your outstanding balance from other credit cards to RHB credit card via Smart Move Balance Transfer plan to benefit from low interest rate and flexible repayment terms.
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)
Turn your wish list into reality with a flexible payment plan of up to 24 months from RHB credit card. Enjoy 0% interest with RHB Smart Instalment, or pay a small one-time upfront interest with RHB Dial-an-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
Get S-Points for every Ringgit spent on petrol transactions.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM88.00
  • First year free
  • Waived when you swipe 12 times per year
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
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

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
60 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.

SOGO RHB Credit Card review

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

This is a brand spanking new credit card issued by RHB and SOGO made specially for those looking to stretch their spending capacity, with attractive cash back and loyalty points for Sogo KL.

5% Cashback

If you are charging your purchases at SOGO using your SOGO- RHB Credit Card, you will be entitled to earn up to 5% in cash rebates, depending on your spend amount. Each customer will receive cashback capped at RM50 per month.

Cash Back earned will be directly deducted from your amount spend and will be shown on your monthly credit card statement. That means more savings for you, and less worrying about overspending on your retail expenses.

Also, this card is in no way aimed at those with high incomes. All you need is to earn a minimum of RM24,000 a year, and you can already reap the benefits of exclusive rebates and savings on your retail purchases.

S-Point galore

S-Points are reward points that you gain on expenses charged to your SOGO- RHB Credit Card, which will be reflected in your Sogo S-Card account on a monthly basis. To get double the points, swipe both your KL SOGO S Card and your SOGO- RHB Credit Card together! For every RM1 spent in KL SOGO Department Store, and for every RM2 spent in KL SOGO Supermarket and elsewhere other than in KL SOGO, you will earn yourself 1 S-Point.

The S-Point you've accumulated will entitle you to redeem exclusive merchandises through KL SOGO S Card Membership Programme. There are other ways to accumulate S-point however, such as your overseas spend and on your petrol transactions.

Reward points are not applicable for purchases from Solar Time (LGF & 5F), Braun Buffel, Harvest Stationery, Pure Pharmacy, D'Cutz, Eiko Watch, ESH Electrical, Hand Point, Poh Kong, Techniwell, Tokyo Megane, Takasima, UNIQLO, and other non participating F&B Outlets, Restaurants, Cafes, Entertainment and tenanted outlets.

Convenience

This credit card uses Paywave technology introduced by Visa for contact-less payments for purchases up to RM150. You can wave goodbye both to your cashier and your money at the same time with a single wave!

If you're the type to worry about annual fees, it might be comforting to know that the RM88 is a relatively low amount to pay.

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