Tesco RHB Visa credit card

Tesco RHB Visa

Enjoy up to 5% cashback and Clubcard points when you use your Card at Tesco. Plus you will also enjoy 1X Clubcard Points when you shop anywhere else.

  • 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)
  • RM93.28 annual fee
  • Earn up to 2x reward points 

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Get 5% cashback on your retail spend of at least RM2500 at Tesco outlets, and 2% for spending below that amount, capped at RM50 per month.
Discover how much you can save when you shop with your new Tesco RHB Visa
Cashback CategoryCashback RateMonthly CapSpend
TescoSpendfrom RM1 up to RM2500 monthly2%RM50from RM1 up to RM2500 monthly
TescoSpendfrom RM2501 and above monthly5%RM50from RM2501 and above monthly
Rewards
Earn 1 Clubcard Point for every RM1 you spend locally and an additional point when you swipe both your Tesco Clubcard and Tesco RHB Visa credit card. Use your Clubcard Points to redeem fantastic gifts from RHB.
RHB Clubcard Points
EarnSpent
2 points on every RM1at TESCO outlets
1 point on every RM1on all other expenses
Rewards points earned never expires
Balance Transfer
Enjoy interest as low as 1.99% on your outstanding balance when your transfer your credit card debt to your brand new Tesco RHB Visa via the RHB Smart Move Balance Transfer plan.
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)
Pay for your big ticket items with RHB Smart Instalment at 0% one-time interest for up to 24 months at selected merchants. RHB Dial-An-Instalment offers payment terms of 6 to 24 months on any retail purchase.
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

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM93.28
Annual Fee for Supplementary Card
RM21.20
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%

*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
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.

Tesco RHB Visa review

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

If you own a Tesco Clubcard, you might want to consider applying for Tesco- RHB Visa credit card. These two cards combined will help you save more as you shop at Tesco and you can earn extra Clubcard Points too.

Cashback Programme

Tesco- RHB Visa credit card is a partnership between RHB Bank and Tesco Stores (Malaysia) Sdn Bhd. The main feature of this credit card is its cashback programme. Cardholders will receive up to 5% cashback on all retail spending charged to Tesco- RHB Visa credit card at Tesco outlets across the country. This cash back is capped at RM50 per month.

Clubcard Points

This credit card also enables cardholders to collect Tesco Clubcard Points. For every RM2 charged to Tesco- RHB Visa credit card at Tesco, cardholders will be awarded 1 Clubcard Point. If you swipe both your Tesco Clubcard and Tesco- RHB Visa credit card in any retail transaction, you will be awarded an extra Clubcard Point.

This means by using the Tesco Clubcard and Tesco- RHB Visa credit card together, cardholders can collect more Clubcard Points faster. These Clubcard Points can then be used to redeem Tesco cash vouchers. With no expiry date, cardholders can use the points to redeem the vouchers anytime.

Easy Payment Plan ( EPP)

Another useful feature of Tesco- RHB Visa credit card is the easy payment scheme which comes with the card. This RHB Dial-An-Instalment facility is just a phone call away. You can convert any purchases above RM500 into affordable monthly instalments.

Tesco- RHB Visa credit cardholders have three options. They can pay for their purchases at 1.2%, 2.99% and 17.5% one-time interest rates with payment terms of 6, 12 and 24 months respectively.  With this EPP, Tesco- RHB Visa credit cardholders can enjoy the freedom and flexibility to shop.

Balance Transfer

In addition, Tesco- RHB Visa credit card can also be used to manage outstanding balances transferred from other credit cards or charge cards. To be eligible for the RHB Smart Move Balance Transfer plan, cardholders must transfer at least RM1,000 in outstanding card balances.

This plan offers different tiers of interest rates starting from 1.99% p.a. interest. Payment terms are set at 9, 12, 15, 18 and 24 months. With such low interest rates, Tesco- RHB Visa credit cardholders can save on interest payments for the combined balances.

Ideal Family Card

With an annual income requirement of just RM24000 it is easy to own Tesco- RHB Visa credit card. New cardholders do not have to pay the annual fee for the first year. Thereafter, annual fee is just RM93.28. For families who love to shop at Tesco for the savings, this credit card is ideal to maximise the value of their hard-earned money.

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