RHB Visa Ocean Harmoni Debit Card-i

Asia Pacific's first recycled plastic card! Enjoy 0.5% cashback on global retail spend, support marine life, and enjoy safe, Shariah-compliant banking.

Annual Fee: RM12
Cashback: up to 0.5%
ATM Withdrawal Fee: Free*
Overseas Transaction Fee: 1%
Card Replacement Fee: RM18

Cashback

Earn a flat rate of 0.5% cash back on all international retail spend. This covers a wide range of purchases made abroad or online with foreign merchants, such as dining, shopping, and services.

Discover how much you can save when you shop with your new RHB Visa Ocean Harmoni Debit Card-i Card
CASHBACK CATEGORY	CASHBACK RATE	MONTHLY CAP	SPEND
Overseas Spending (dining, retail purchases or services).	0.5%	uncapped	any amount

Fees & Charges

Issuance Fee

RM15

Annual Fee

RM12

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

RM18

Requirements

Minimum Age

12 years old

Who can apply

Anybody with RHB Islamic Bank Current or Saving Account/-i account holders

Review

What Is the RHB Visa Ocean Harmoni Debit Card-i About?

The RHB Visa Ocean Harmoni Debit Card-i is a pioneering, Shariah-compliant debit card that links your payments directly to environmental sustainability. It is notable for being Asia Pacific's first debit card made from recycled plastic and is part of RHB Islamic Bank’s initiative to support marine conservation. It functions as a global Visa payment tool linked to your RHB Islamic deposit account.

What Benefits Do I Get?

International Cashback: Earn 0.5% cash back automatically on all overseas retail spending.
Eco-Friendly Card: The card itself is made from recycled plastic.
Conservation Support: You have the option to make a one-time RM3 contribution to the Ocean Harmoni project for marine life conservation.
Global Convenience: Accepted worldwide for purchases and cash withdrawals, with the speed of PayWave.
Free ATM Access: Cash withdrawals at RHB ATMs are free.

Any Other Features?

Shariah Compliance: Use is restricted to Shariah-compliant purposes, supported by the Ujrah contract.
Wide Acceptance: Accepted at all Visa retail establishments worldwide.
Easy Application: Easy to apply as no minimum income is required.

What Are the Fees Associated With This Card?

Issuance Fee: RM15.00.
Annual Fee: RM12.00.
Card Replacement Fee (Lost/Stolen/Damaged): RM18.00.
One-Time Contribution: RM3.00 (optional donation to Ocean Harmoni project).
Overseas Conversion Fee: The network exchange rate plus a 1% conversion fee charged by RHB Islamic Bank.
ATM Withdrawal Fee (Local Bank MEPS): RM1.00 per withdrawal.
ATM Withdrawal Fee (Overseas via Visa/MasterCard): RM12.00 per withdrawal.

What Are the Transaction Limits?

Age Group	Default Daily Retail Spend	Default Daily Cash Withdrawal
18 and	RM3,000	RM3,000
12 to 17	RM200	RM200

Retail and cash limits can be adjusted at RHB branches.
Maximum ATM withdrawal is RM 10,000 per day for adults (subject to account balance).

Who Is Eligible to Apply?

Individuals aged 12 years & above.
Must open or maintain a participating RHB Islamic Current or Savings Account-i.

What Are The Required Documents to Apply for This Debit Card?

A valid deposit account-i (Savings or Current) with RHB Islamic Bank.
Identity Card (for verification).
Indemnity letter from parents/guardians (required if the applicant is aged 12 to 17 years old).

How Does This Card Support Environmental Sustainability?

The card is made from recycled PVCand contributes to marine conservation projects.
Supports UN Sustainable Development Goal 14: Life Below Water.
RHB channels contributions to research and conservation partnerships through Ocean Harmoni initiatives.