Promotion

Groceries

• 5% cash back (on all groceries if total monthly spending is RM2,501 and above)
• 2% cash back (on all groceries if total monthly spending is between RM1,501 and RM2,500)
• 1% cash back (on all groceries if total monthly spending is between RM500 and RM1,500)

Petrol

• 5% cash back (on all petrol stations if total monthly spending is RM2,501 and above)
• 2% cash back (on all petrol stations if total monthly spending is between RM1,501 and RM2,500)
• 1% cash back (on all petrol stations if total monthly spending is between RM500 and RM1,500)

Shopping

• 0.2% cashback (on all other retail spend)

Dining

• 10% cash back (on all online dining & grocery (delivery) if total monthly spending is RM2,501 and above)
• 2% cash back (on all online dining & grocery (delivery) if total monthly spending is between RM1,501 and RM2,500)
• 1% cash back (on all online dining & grocery (delivery) if total monthly spending is between RM500 and RM1,500)

Utilities

• 5% cash back (on all utilities if total monthly spending is RM2,501 and above)
• 2% cash back (on all utilities if total monthly spending is between RM1,501 and RM2,500)
• 1% cash back (on all utilities if total monthly spending is between RM500 and RM1,500)

Other Features

• Cash Back Exclusions: No Cash Back for Cash Advance, Balance Transfer, Quasi Cash, Charity, Government agencies transactions
• Balance Transfer: 0% per annum for a tenure of 12 months; one-time upfront fee of 4% of transferred amount imposed
• Installment Plan: 0% interest Installment Payment Plan at all participating merchants
• Cashback Limit: 10% cashback for online food and grocery delivery, 5% cashback for petrol, dining, utility and grocery, with monthly spend of RM2,500 and above, capped at RM10 each category per month. 0.2% unlimited cashback for other retail spend

Balance Transfer

RHB SMART MOVE BALANCE TRANSFER

• 6 months with interest rate at 4.99% p.a. and no one-time upfront handling fee from RM1,000 transferred
• 12 months with interest rate at 4.99% p.a. and no one-time upfront handling fee from RM1,000 transferred
• 18 months with interest rate at 4.99% p.a. and no one-time upfront handling fee from RM1,000 transferred
• 24 months with interest rate at 4.99% p.a. and no one-time upfront handling fee from RM1,000 transferred
• 30 months with interest rate at 4.99% p.a. and no one-time upfront handling fee from RM1,000 transferred
• 36 months with interest rate at 4.99% p.a. and no one-time upfront handling fee from RM1,000 transferred

Easy Payment Plan

RHB SMART INSTALLMENT

• 6 months with interest rate at 0% p.a. and no one-time upfront handling fee when spend RM500
• 12 months with interest rate at 0% p.a. and no one-time upfront handling fee when spend RM500
• 24 months with interest rate at 0% p.a. and no one-time upfront handling fee when spend RM500
• 36 months with interest rate at 0% p.a. and no one-time upfront handling fee when spend RM500

Eligibility

• Min. age 21 for principal holder

• RM 70 for fee of principal holder

• Min. age 18 for supplementary holder

• Waived for first applicants of supplementary holder

Fees and Charges