Promotion

Groceries

• 0.2% cashback when spend any amount locally
• 0.5% cashback when spend RM 1,000 to RM 2,499 on overseas spending
• 1% cashback when spend 2,500 to RM3,499 on overseas spending
• 2% cashback when spend RM3,500 or above on overseas spending

Petrol

• 0.2% cashback when spend any amount locally
• 0.5% cashback when spend RM 1,000 to RM 2,499 on overseas spending
• 1% cashback when spend 2,500 to RM3,499 on overseas spending
• 2% cashback when spend RM3,500 or above on overseas spending

Entertainment

• 1% cashback when spend RM1,000 to RM2,499 spend locally
• 2% cashback when spend RM2,500 to RM3,499 send locally
• 6% cashback when spend RM3,500 and above spend locally

Shopping

• 1% cashback when spend RM1,000 to RM2,499 spend locally
• 2% cashback when spend RM2,500 to RM3,499 send locally
• 6% cashback when spend RM3,500 and above spend locally

Dining

• 0.2% cashback when spend any amount locally
• 0.5% cashback when spend RM 1,000 to RM 2,499 on overseas spending
• 1% cashback when spend 2,500 to RM3,499 on overseas spending
• 2% cashback when spend RM3,500 or above on overseas spending

Utilities

• 0.2% cashback when spend any amount locally
• 0.5% cashback when spend RM 1,000 to RM 2,499 on overseas spending
• 1% cashback when spend 2,500 to RM3,499 on overseas spending
• 2% cashback when spend RM3,500 or above on overseas spending

Online Shopping

• 1% cashback when spend RM1,000 to RM2,499 spend locally
• 2% cashback when spend RM2,500 to RM3,499 send locally
• 6% cashback when spend RM3,500 and above spend locally

Other Features

• Travel and Lifestyle: 4x Complimentary access into Plaza Premium Lounges in Malaysia (in a calendar year), Preferred foreign exchange rates at all RHB Bureau-de-Change for major foreign currencies, Exclusive 25% discount off walk-in rates for all accompanying guests at all PPL in Malaysia, 20% discount off walk-in rates at all other PPL worldwide, Complimentary golf privileges worldwide, Concierge service
• Protection Plan: Travel Insurance Coverage of up to RM600,000
• Balance Transfer: [Plan A] : 4% p.a for tenure of 12 months, [Plan B] : 7% p.a for tenure of 18 months, [Plan C] : 9% p.a for tenure of 24 months
• Instalment Plan: 0% interest Installment Payment Plan at all participating merchants

Balance Transfer

RHB SMART MOVE BALANCE TRANSFER

• 6 months with interest rate at 4.88% p.a. and no one-time upfront handling fee from RM1,000 transferred
• 12 months with interest rate at 4.88% p.a. and no one-time upfront handling fee from RM1,000 transferred
• 18 months with interest rate at 4.88% p.a. and no one-time upfront handling fee from RM1,000 transferred
• 24 months with interest rate at 4.88% p.a. and no one-time upfront handling fee from RM1,000 transferred
• 30 months with interest rate at 4.88% p.a. and no one-time upfront handling fee from RM1,000 transferred
• 36 months with interest rate at 4.88% 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

• Free for fee of principal holder

• Min. age 18 for supplementary holder

• Waived for first applicants of supplementary holder

Fees and Charges