RHB Easy Smart Debit Card

Receive contributions into your savings account for every eligible transaction! Enjoy global acceptance and seamless contactless payments, all without a minimum income requirement.

Annual Fee: RM20
ATM Withdrawal Fee: Free*
Overseas Transaction Fee: 1%
Card Replacement Fee: RM15

Fees & Charges

Issuance Fee

RM20

Annual Fee

RM20
Waived when you're a Malaysian student aged 18 years or older who is a card holder of Easy-Smart Student Debit Card, and has enrolled in any Easy partnered universities/colleges incorporated in Malaysia

ATM Withdrawal Fee

RM1 per withdrawal on Local MEPS ATM
RM12 per withdrawal on Overseas ATM
Free for RHB Bank ATM

Overseas Transaction Fee

1.00% of the total amount transacted

Card Replacement Fee

RM15

Requirements

Minimum Age

18 years old

Who can apply

Must hold a RHB Easy Smart Account

Review

Tell me about the RHB Easy Smart Debit Card.

It is a payment instrument linked directly to your Easy-Smart Account 1. It allows you to pay for goods and services globally using your own funds while offering a unique mechanism to help you save money into a secondary account (Easy-Smart Account 2) as you spend.

What are the advantages of owning this card?

Save-As-You-Spend: Receive contributions (up to RM0.50) from the bank into your savings account for eligible transactions.
Global Access: Use your card for purchases and cash withdrawals at millions of Visa and Mastercard locations worldwide.
Contactless Convenience: Features PayWave technology, allowing you to tap your card for quick payments.
Online Shopping: Enabled for online purchases via Visa/Mastercard/MyDebit (subject to opting in for card-not-present transactions).

Any applicable fees for this card?

Issuance/Annual Fee: RM12 (Waived for Easy-Smart Student Debit Card applicants with valid documents).
Card Replacement Fee: RM12 to RM15 (depending on card type and terms).
Local ATM Withdrawal: Free at RHB ATMs; RM1 at local MEPS ATMs.
Overseas ATM Withdrawal: RM4 for Foreign MEPS; RM12 for Visa/Mastercard Network.
Conversion Fee: 1% of the converted amount for overseas transactions.

What are the transaction limits?

For Adults (18 years and above): Default daily limit of RM3,000 for cash withdrawals and RM3,000 for retail spending.
For Juniors (12 to 17 years): Default daily limit of RM200 for cash withdrawals and RM200 for retail spending.
Maximum Limits: You can increase your limits up to RM10,000 (withdrawal) and higher for purchases upon request.

Can I apply for this card?

Any individuals aged 18 years and above (for the standard Easy Smart Debit Card) are eligible to apply. You also must hold a relevant RHB Savings Account (Easy-Smart Account) to qualify.

Not yet an account holder? Simply prepare the following documents to apply for this card.