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Apply for RHB Rewards Credit Card

RHB REWARDS CREDIT CARD rewards you with great rewards on your daily essentials spend. Get up to 10x Reward Points when you spend on movie tickets, overseas spend, online & e-wallet, health & insurance, retail shopping and other categories.

Apply
Annual Fee

N/A

Annual Fee

Free*

Cashback

N/A

Balance Transfer

N/A

Easy Payment Plan

N/A

Interest Rate

N/A

Interest-Free

N/A

Product Highlights
Interest Free Period

a) For retail transactions – 20 days from the statement date, if you pay the balance in full and on time. b) If you do not pay in full and on time, finance charges on retail transactions will be calculated from the posting day of the transaction. c) Th

On Cash Advance

18% per annum will be levied on each cash advance calculated from the date of cash advance until it is fully settled. Platinum Business: 15% p.a. of the cash advance amount calculated on a daily basis.

Balance Transfer/CashXcess/Dial-An-Instalment

Balance Transfer (BT), CashXcess (CX) and Dial-An-Instalment (DAI) rates are not fixed and is subject to change. Kindly refer to www.rhbgroup.com for the latest rates.

Automatic Balance Conversion

An auto balance conversion for eligible Cardmember in every 12 months by converting the credit card outstanding balances (with a minimum amount of RM1,000) into a 3 years term loan, at an effective interest rate of 13% per annum. Cardmember has the flexib

Overseas Transaction Conversion Fee

If a transaction is made in foreign currency, Mastercard or VISA, depending on which card is used, will convert the transaction into a Ringgit Malaysia equivalent at the conversion rate as determined by Mastercard or VISA as at the date it is processed by

Excess Limit Fee

A fee of RM50 may be charged whenever the Total Outstanding Balance exceeds the combined card limit due to excess limit transactions.

Product Details
Features
  • Reward Points
    RHB REWARDS CREDIT CARD rewards you with great rewards on your daily essentials spend. Get up to 10x Reward Points when you spend on movie tickets, overseas spend, online & e-wallet, health & insurance, retail shopping and other categories. Kindly refer to the table below for Rewards multiplier by spend category:
    Spend Categories Credit Card Reward Points Multiplier for every RM 1 spend
    Overseas Spend* 4X*
    Online Spend^ 3X^
    Health Spend 2X
    Insurance Spend 2X
    Shopping Spend 2X
    Cinema Entertainment Spend** 10X**
    Others Spend 1X

    Note:
    * Overseas Spend is meant for foreign currency transactions performed physically out of Malaysia. Not inclusive of Online, E-commerce, Mail Order Telephone Order (MOTO) and Recurring Auto Debit transactions. 
    ^ Online Spend is meant for all Online, e-Commerce and MOTO transactions in local or foreign currency.
    ** Cinema Entertainment Spend is meant for any mode of transaction under MCC-7832.

    For the list of Merchant Category Code (MCC) which are eligible for Reward Points, please click here



  • VISA Ecommerce Purchase Protection (Valid until 30 Sept 2022)
    - Your purchase is covered from losses due to non-delivery or incomplete delivery of the goods. This benefit also covers you in case the goods you purchased online arrives with physical damage
    - Automatically activated when an item is purchased using an eligible Visa card.
    - Eligible for online purchases made from any merchants globally
    - Claims and insurance details can be made available online from AIG Cardholder Insurance Portal
    - Please click here for Terms & Conditions , Claim Forms and FAQs

  • Other Benefits
    As a Rewards Credit Card holder, you can enjoy the RHB Smart Services as below:
    RHB Smart Services
    - Smart Pay so that you can auto pay your monthly Telekom, Maxis, Digi, Astro and other bills
    - Smart Move where you can balance transfer from any other credit card at attractive rates
    - Smart Instalment at 0% interest for up to 36 months at selected merchants
    - CashXcess allows you to withdraw cash from your credit card with attractive rates and repayment period up to 36 months
    Redeemable for all miles from over 40 airlines and airline vouchers (500 Enrich Miles = 5,500 RHB Reward Points)

  • Principal Card
    - First year: No Annual Fees
    - Subsequent years:
    RHB Rewards Credit Card: RM200 per annum.
    (will be waived if cardholder spends RM10,000 in a year)
    RHB Rewards Motion CodeTM Credit Card: RM200 per annum.
    (will be waived if cardholder spends RM20,000 in a year)

  • Supplementary Card
    Annual Fees waived.


Fees & Charges
Annual Fee For Primary Card First year: No Annual Fees - Subsequent years: RHB Rewards Credit Card: RM200 per annum. (will be waived if cardholder spends RM10,000 in a year) RHB Rewards Motion CodeTM Credit Card: RM200 per annum. (will be waived if cardholder spends RM20,000 in a ye
Annual Fee For Supplementary Card waived
Minimum Monthly Payment 50
Late Payment Fee Maximum of 1% of the outstanding balance or a minimum of RM10, whichever is higher, subject to a maximum of RM100.00
Cash Withdrawal Fee 5% of the transaction amount or a minimum of RM15.00, whichever is higher, will be charged on all cash withdrawals and licensed betting transactions. Any applicable taxes imposed from time to time are applicable for these charges
Interest Rate On Cash Withdrawals 5% of the transaction amount or a minimum of RM15.00, whichever is higher, will be charged on all cash withdrawals and licensed betting transactions. Any applicable taxes imposed from time to time are applicable for these charges


Interest Rate
Cardmembers who promptly settle their minimum payment due for 12 consecutive months 1.25% per month 15% per annum To enjoy lower finance charges for the retail transactions, you should make at least 10 prompt payments in the last 12 months. Platinum Business: 15% p.a. of the outstanding amount calculated on a daily basis of the ou
Cardmembers who promptly settle their minimum payment due of at least 10 months or more in a 12-month cycle. The 12 months minimum payment due cycle will not apply to new cardmember. 1.42% per month 17% per annum To enjoy lower finance charges for the retail transactions, you should make at least 10 prompt payments in the last 12 months. Platinum Business: 15% p.a. of the outstanding amount calculated on a daily basis of the ou
Cardmembers who do not fall within the above categories 1.50% per month 18% per annum To enjoy lower finance charges for the retail transactions, you should make at least 10 prompt payments in the last 12 months. Platinum Business: 15% p.a. of the outstanding amount calculated on a daily basis of the ou


Requirements
Minimum Annual Income RM 24,000
Minimum Age For Primary Card 21 years old
Who Can Apply
Please key in your details

Full Name (as per IC)*

Identification Number*

Email*

Mobile Number*

Annual Income*

RM


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