Promotion

Groceries

• 0.2% cash back
• 2% cash back (on oversea spending if total monthly spending is RM3,500 and above)
• 1% cash back (on oversea spending if total monthly spending is between RM2,500 and RM3,499)
• 0.5% cash back (on oversea spending if total monthly spending is between RM1,000 and RM2,499)

Petrol

• 6% cash back (on petrol spending if total monthly spending is RM3,500 and above)
• 2% cash back (on petrol spending if total monthly spending is between RM2,500 and RM3,499)
• 1% cash back (on petrol spending if total monthly spending is between RM1,000 and RM2,499)

Shopping

• 0.2% cash back
• 2% cash back (on oversea spending if total monthly spending is RM3,500 and above)
• 1% cash back (on oversea spending if total monthly spending is between RM2,500 and RM3,499)
• 0.5% cash back (on oversea spending if total monthly spending is between RM1,000 and RM2,499)

Dining

• 6% cash back (on dining if if total monthly spending is RM3,500 and above)
• 2% cash back (on dining if if total monthly spending is between RM2,500 and RM3,499)
• 1% cash back (on dining if if total monthly spending is between RM1,000 and RM2,499)
• 2% cash back (on oversea spending if total monthly spending is RM3,500 and above)
• 1% cash back (on oversea spending if total monthly spending is between RM2,500 and RM3,499)
• 0.5% cash back (on oversea spending if total monthly spending is between RM1,000 and RM2,499)

Travel

• 6% cash back (on dining if if total monthly spending is RM3,500 and above)
• 2% cash back (on dining if if total monthly spending is between RM2,500 and RM3,499)
• 1% cash back (on dining if if total monthly spending is between RM1,000 and RM2,499)
• 2% cash back (on oversea spending if total monthly spending is RM3,500 and above)
• 1% cash back (on oversea spending if total monthly spending is between RM2,500 and RM3,499)
• 0.5% cash back (on oversea spending if total monthly spending is between RM1,000 and RM2,499)

Other Features

• Protection Plan: Travel Insurance with coverage of up to RM600,000 if full airfare is charged to this credit card
• 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
• 5x complimentary access in a calendar year to selected Plaza Premium Lounges / Aerotel in Malaysia, thereafter, a discount of 25% off the walk-in rates will be charged from the sixth visit onwards to lounges in Malaysia.
• Exclusive 25% discount at all Plaza Premium Lounges in Malaysia for all accompanying guest.
• Special 20% discount at Plaza Premium Lounges all around the world. (except Shanghai & Beijing)

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 198 for fee of principal holder (Free for first year, Waived when you swipe 12 times for subsequent years)
• Min. age 18 for supplementary holder
• RM 30 for first applicants of supplementary holder

Fees and Charges