What Is This Card RHB Platinum Debit Card-i About?
The RHB Platinum Debit Card-i is a premier Shariah-compliant payment instrument designed for customers seeking enhanced convenience and minor rewards on their international transactions. As a Visa debit card, it allows you to utilise the funds available in your linked RHB Islamic deposit account-i while ensuring you benefit from global acceptance and security.
What Benefits Do I Get?
- International Cashback: Earn 0.1% cashback on all retail purchases made overseas (i.e., outside of Malaysia), covering dining, retail purchases, and services.
- Widespread Acceptance: Pay easily at all Visa/MasterCard retail establishments worldwide.
- Cashless PayWave: Enjoy the speed and simplicity of contactless payments using the PayWave feature to simply wave or tap your card.
- Easy ATM Access: Withdraw cash at any MEPS ATM nationwide, with the potential to withdraw up to RM10,000.00 daily (subject to your set limit).
- Enjoy Account Profit: Continue to receive profit (or Hibah) from the linked RHB Islamic Bank deposit account.
- Digital Wallet Ready: Add your card to Google Pay for secure, mobile-based transactions (source confirms eligibility).
- Easy Application: The card is easy to apply for, as there is no minimum income requirement.
Any Other Features?
- Debit Transaction: Purchases are directly debited from your deposit account, allowing you to spend responsibly within your available balance.
- Annual Fee Waiver Opportunity (First Year): The RM50.00 annual fee is waived for the first year.
- Subsequent Annual Fee Waiver: The annual fee can be waived in subsequent years, subject to a minimum of RM5,000.00 retail spend per annum or by performing a minimum of 5 retail transactions in a year (subject to T&C).
- Online Purchase Access: The card can be used for internet purchases once the customer has opted in for this function.
What Are the Fees Associated With This Card?
- Issuance Fee: RM50.00 (One-time fee upon issuance).
- Annual Fee: RM50.00 (Waived for the first year; waived in subsequent years subject to retail spend/transaction criteria).
- RHB ATM Withdrawal Fee: Free.
- Local Bank MEPS ATM Withdrawal Fee: RM1.00 per withdrawal.
- Foreign Visa/MasterCard Network ATM Withdrawal Fee: RM12.00 per withdrawal.
- Card Replacement Fee: Fees are charged for replacement due to loss, theft, damage, or forgotten PIN (check Banking Service Charges document for latest rates, but standard is RM15.00 for replacement).
What Are the Transaction Limits?
The card comes with default limits that are adjustable up to your maximum account balance (for spending) or RM10,000.00 (for cash withdrawal):
| Age Group | Cash Withdrawal (per day) | Retail Spend (per day) |
| 18 years and above | RM3,000 | RM3,000 |
Note: For applicants aged 12 to 17, limits are typically set at RM200.00 daily for both withdrawal and spend, based on general RHB Debit Card-i terms.
Who Is Eligible to Apply?
- Primary Applicants: Individuals aged 12 years and above.
- Account Requirement: You must hold a Current or Savings Account-i with RHB Islamic Bank.
- Joint Accounts: Only holders of a joint account with the instruction of "either to-sign" can apply for the card.
What Are The Required Documents To Apply for This Debit Card?
- A fully completed application form.
- A photocopy of your Identification Card (front and back portion).
- Your Account passbook or Statement showing the account number.
- All other supporting documentation and initial deposit amount as specified in the application form.
