New Application

A guide to our charges & rates offered.
Savings Account
Service Commission / Service Charges / Interest
Closure of account Closure of accounts within 6 months - RM20
Closure of Basic Savings accounts within 3 months - RM20
Dormant Account
- Balance of RM10.00 and below Account closed & balance absorbed as charge
- Balance more than RM10.00 RM10.00 per annum
Lost Passbook RM10 (service charge)
RM10 (Stamp Duty on Letter of Indemnity for lost of passbook)
Replacement of Savings Account Passbook due to poor handling, mutilated, faded etc (except if passbook is full due to transactions) RM10 (service charge)
Intrabank Fund Transfer via instruction (account to account other than payroll services) RM5.00 per transaction
Duplicate Statements
i)  Within 1 year from original statement date
RM10.00 per request plus RM2.00 per page
ii)  Above 1 year from original statement date
RM 20.00 per request plus RM2.00 per page

Note : Service charges above are waived for Basic Savings Account (BSA)
Service charges

Basic Savings Account (Option 1) – No Bankcard Annual Fee

  • 6 free over-the-counter (OTC) visits per month.
  • 1st eight (8) ATM cash withdrawals per month : Free
  • Subsequent : RM0.50 per transaction.
  • 1st two (2) GIRO transactions at RM0.50 each, thereafter at RM2.00 per transaction.

 

Basic Savings Account (Option 2) – With RM8.00 Bankcard Annual Fee

  • Unlimited number of ATM and OTC transactions.
  • 1st two (2) GIRO transactions at RM0.50 each, thereafter at RM2.00 per transaction.
  • Replacement of card due to lost/ stolen damage/ PIN forgotten – RM12.00

 

Easy-Simpanan Mesra

  • Early withdrawal Fees : RM20

Note: Customer will be charged the above fee but will receive the current outstanding amount excluding interest for the current month



Request for Hardcopy Statement at Branch:
Quarterly Savings Account Statement / Quarterly Savings Passbook Account Advice

Statement Period Service Charge
Within 1 year from statement date No
Above 1 year from statement date Yes ( i.e. RM20 per request plus RM2.00 per page)
Inward Returned Cheque Due to postdated: RM10.00 on payee
Current Account
Fixed Deposit
Service Commission / Service Charges / Interest
Lost of fixed deposit statement Request for FD Summary – Service Charge RM2.00 per page
Credit Card
Fees and Charges Description
Annual Fees
Card Type Principal Card
(RM)		 Supplementary Card
(RM)
RHB Premier Visa Infinite Waived Waived
RHB Visa Infinite Waived Waived
RHB World Mastercard Waived Waived
RHB World Mastercard Waived Waived
RHB Platinum Business Waived Waived
RHB Rewards / Rewards Motion CodeTM 200.00 Waived
RHB Cash Back 70.00 Waived
MyEG-RHB 88.00 Waived
RHB Shell VISA 195.00 Waived
Finance Charges

On Purchases

If all or any of the Finance Charge remains unpaid after the Payment Due Date, the Finance Charge will be imposed on any outstanding finance charges and other fees (excluding late payment charge) that were carried forward from previous statement that is unpaid after the Payment Due Date.

Description Interest Rate
Per Month Per Annum
Cardmembers who promptly settle their minimum payment due for 12 consecutive months. 1.25% 15%
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% 17%
Cardmembers who do not fall within the above categories. 1.50% 18%

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 outstanding amount not fully paid by the payment due date.

Finance Charges

If all or any of the Finance Charge remains unpaid after the Payment Due Date, the Finance Charge will be imposed on any outstanding finance charges and other fees (excluding late payment charge) that were carried forward from previous statement that is unpaid after the Payment Due Date.

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 flexibility to opt-out from each conversion offer.
Kindly refer to www.rhbgroup.com for more information.

Cash Advance 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.
Late Payment Charges If the cardmember fails to pay the Minimum Monthly Repayment by the Payment Due Date, a late payment charge of 1% of the Card Account on the outstanding balance or RM10.00, whichever is higher, subject to a maximum of RM100.00 will be imposed and stated in the monthly statement.
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 MasterCard or VISA.

In addition, you will also pay the administration costs at 1% or at such other rates as shall be determined by us for the conversion of the transactions made in foreign currencies.

Any applicable taxes imposed from time to time are applicable for these charges.
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.
Card Replacement Fee RM50 per card
Sales Draft Retrieval Copy RM20.00 per copy
Monthly Hardcopy Statement Fee RM1.00 per hardcopy statement effective March 2019.
Additional Statement Request Fee RM5.00 per copy
Card Service Tax (CST) RM25.00 per Principal & Supplementary card on a yearly basis. CST shall be imposed on the date of new card activation or renewal of the credit card on every twelve months after the date the card is issued or renewed.
Minimum Monthly Payment

Upon receipt of the Card Statement, the Cardmember shall pay to the Card Account the minimum payment due as set out below or up to the outstanding balance shown on the Card Statement (the Outstanding Balance) on or before the Payment Due Date as stated in the Card Statement. The minimum payment due shall be:

a)  5% of Outstanding Balance (comprising of retail transactions, balance transfer, cash advance amount, finance charges and fees, if any);
b)  All monthly instalments due (contracted Easy Payment Plan, Balance Transfer Plan, CashXcess Plan and all other instalment plans available from time to time, if any) signed up from 2 October 2019;
c)  The contracted monthly term loan instalment for any Automatic Balance Conversion if any;
d)  Any unpaid minimum payments specified in the preceding month’s statement (if any);
e)  Amount in excess of the Card Limit during the statement month (if any); and
f)  Card Service Tax and any other value added taxes imposed.
  OR
g)  A minimum amount of RM50 from the Outstanding Balance, whichever is higher.
Interest Free Period 20 days from statement date- if all retail transactions of the previous month are fully paid
Business Credit Card
Fees and Charges Description
Annual Fees
Card Type Annual Fee
RHB Business Platinum Waived
RHB Corporate Credit RM150/ card
RHB Corporate Charge RM150/ card
RHB Purchasing Charge RM150/ card
Finance Charges

Finance charges for Retail Purchases for credit cards:

Description Interest Rate
Cardmembers who promptly settle their minimum payment due for 12 consecutive months. 15% p.a. (1.25% p.m.)
Cardmembers who promptly settle their minimum payment 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. 17% p.a. (1.42% p.m.)
Cardmembers who do not fall within the above categories. 18% p.a. (1.50% p.m.)

Finance charges for Retail Purchases for Business Platinum:
15% p.a. of the outstanding amount calculated on a daily basis of the outstanding amount not fully paid by the payment due date.

Finance charges for Retail Purchases for charge cards:
Finance Charges not applicable to charge cards where outstanding balance must be settled in full by Payment Due Date.

Finance charges:
If all or any of the Finance Charge remains unpaid after the Payment Due Date, the Finance Charge will be imposed on any outstanding finance charges and otherfees(excluding late payment charge) that were carried forward from previousstatementthatis unpaid after the Payment Due Date.

Cash Advance Fee Not available
Minimum Monthly Payment for Credit Cards

Upon receipt of the Card Statement, the Cardmember shall pay to the Card Account the minimum payment due as set out below or up to the outstanding balance shown on the Card Statement (the Outstanding Balance) on or before the Payment Due Date as stated in the Card Statement. The minimum payment comprising of:

a)   5% of Outstanding Balance (comprising of retail transactions, balance transfer, cash advance amount, finance charges and fees, if any);
b)   The contracted monthly term loan instalment for any Automatic Balance Conversion if any;
c)   Any unpaid minimum payments specified in the preceding month’s statement (if any);
d)   Amount in excess of the Card Limit during the statement month (if any); and
e)   Card Service Tax and any other value added taxes imposed.
Or
A minimum amount of RM50 from the Outstanding Balance, whichever is higher.

Not applicable to charge cards where outstanding balance must be settled in full by Payment Due Date.
Late Payment Charge

Late Payment Charges for credit cards:
A minimum of RM10 or 1% of total outstanding balance as at statement date, whichever is higher, up to a maximum of RM100 will be charged.

Late Payment Charges for charge cards:
If the company or cardmember fails to settle the outstanding balance in full by the due date, a late payment charge of 3.5% of the Card Account on the balance or RM50.00, whichever is higher will be imposed and stated in the monthly statement.

Interest Free Period 20 days from the statement date and is applicable only for retail transactions and the cardmembers who pay in full on or before the payment due date. If Cardmembers opt to pay partial or minimum payment, finance charges for retail transactions will be calculated from the day the transactions are posted to the card account.
Excess Limit Fees A fee of RM50.00 may be charged whenever the Total Outstanding Balance exceeds the combined card limit due to excess limit transactions.
Sales Draft Copy Request RM20.00 for each sales slip or cash advance duplicate copy
Card Replacement Fee RM50 for each replacement card issued.
Card Statement Request RM5.00 on each additional card statement.
Overseas Transaction Conversion Fee The conversion rate as determined by Visa International or MasterCard Worldwide plus administration cost of up to 1% on the conversion rate.
Card Service Tax (CST) Effective 1st September 2018, Service Tax shall be imposed on each Business Platinum and Commercial Card upon new card activation date or renewal of the credit card. The rate of service tax to be imposed is RM25 per card per year.
Debit Card
Annual/Issuance fee (Refer to note below)
RHB Debit Card - RM12 RM12.00
(with 0.5% cash back for overseas transaction)
RHB Debit Card - RM8 RM8.00
(without cashback)
RHB Visa Justice League Debit Card Issuance fee: RM15.00
Annual fee: RM12.00
(with 0.5% cash back for overseas transaction)
RHB Premier Visa Infinite Debit Card RM50.00
Waived for the first year.
For the subsequent years, it will be waived subject to RM5,000-00 retail spend per annum or swipe their card a minimum of 5 times in a year.
(with 1.0% cash back for overseas transaction)
RHB Premier Multi Currency Visa Debit Card RM20.00
Waived for the first year provided that the initial deposit on the RHB Multi Currency account is at USD200. If the initial deposit is less than USD200, the issuance fees will be charged.
RHB Multi Currency Visa Debit Card RM20.00
RHB Corporate MyDebit Card RM12.00
Easy Smart Debit Card RM20.00
Waived for Easy-Smart Student Debit CardTM provided the cardholder is a Malaysian student aged eighteen (18) years and above who is enrolled in any Easy partnered universities/colleges incorporated in Malaysia
ATM withdrawal fee* (Refer to note below)
RHB ATM Free
Local Bank MEPS RM1.00 per withdrawal.
Waived for Premier Visa Infinite Debit Card
Foreign Bank MEPS RM1.00 per withdrawal
Visa/MasterCard Network RM12.00 per withdrawal
Card replacement fee
RHB Debit Card - RM12 RM15.00
RHB Debit Card - RM8 RM12.00
RHB Visa Justice League Debit Card RM18.00
RHB Premier Visa Infinite Debit Card RM15.00
RHB Premier Multi Currency Visa Debit Card RM15.00
RHB Multi Currency Visa Debit Card RM15.00
RHB Corporate MyDebit Card RM15.00
Easy Smart Debit Card RM15.00
For Easy-Smart Student Debit CardTM, the cardholder is required to provide an authorization letter from the University/College
Overseas transaction conversion fee ** 1% of the converted amount
Sales draft retrieval fee (Refer to note below) RM20-00 per copy
MyDebit Cash out transaction fee* (Refer to note below) RM0-50 per transaction

Note:
Inclusive of any applicable taxes imposed from time to time. For the avoidance of doubt, the Cardmember shall bear all professional fees, taxes (including but not limited to any applicable taxes imposed from time to time), and out-of-pocket expenses incurred and any other fees, expenses or recourse in respect of this Product.
 ** RHB Premier Multi Currency Visa Debit Card & RHB Multi Currency Visa Debit Card
If the funds are deducted from any of the 16 Currencies, there will not be any 1% conversion fee charged on the amount spent. However, if the funds are deducted from the RHB Ringgit Malaysia Account, then the 1% conversion fee is still applicable.
** Not applicable for RHB Corporate MyDebit Card
* Not applicable for RHB Corporate MyDebit Card

Prepaid Card
RHB Prepaid Card
Annual fees RM24.00 per card
Replacement card fee Not applicable.
To purchase a new starter pack.
ATM withdrawal fees - RHB ATM Free
ATM withdrawal fees - Visa Network RM8.00 per withdrawal
Overseas transaction conversion fee 1% of the converted amount
Sales draft retrieval fee RM10.00 per copy
Copy of statement RM5.00 per copy
Housing Loan
Service Fees and Charges Amount (inclusive of any applicable taxes imposed from time to time)
Redraw Fee RM50 per transaction for MY1 Flexi Home Loan
Redemption statement
(per account per request) 		RM50
Letter of confirmation for EPF withdrawal RM20
Security document retrieval fee RM20 for up to 10 pages
RM50 for more than 10 pages
Additional loan statement RM5 per page
Restructuring/ Rescheduling No charges
Monthly maintenance fee No charges
Commercial Loan
Commercial Loan Commission/Service Charges/Interest
Restructuring/rescheduling of facility No charge for SME
a) CTOS
b) CCM (ROC)/ROB search via CTOS 		No charge for SME
CCRIS No charge for SME
Commitment fee
•   Applicable to all business accounts.
•   For SME, not more than 1% per annum.
Noted: vailable rates are 0.25,0.3,0.5 and 0.75
•   For individual, commitment fee is only applicable when total aggregate facilities exceed RM250,000.00.
Processing fee No charge for SME
SME Online Financing
Description / Service Fee/ Interest
Cancellation Fee
i.   Cancellation by customer after application has been approved by SJPP
ii.   Failure to disburse the banking facilities granted by bank after a period of 6 months from date of SJPP’s approval and resulting in cancellation of guarantee approval by SJPP
RM 100 is payable to Syarikat Jaminan Pembiayaan Perniagaan (SJPP)
Vehicle Financing
Types of fees/ charges Fees and Charges Amount
The Facility Agreement RM10.00 per agreement for stamp duty
Supplementary of the Facility Agreement RM 20.00 per agreement for documentation and stamp duty
Variation on the Facility Agreement upon request
RM 10.00 per agreement for stamp duty
Postal charges
  • RM 3.50 for account without guarantor
  • RM 7.00 for account with 1 guarantor
  • RM 10.50 for account with 2 guarantors
Road tax renewal RM 10.00 per transaction
Redemption statement (as requested by third party)
 RM 30.00 per request
Discharge and release letter (as requested by third party)
RM 30.00 per request
Financial Information Services (FIS) Data Reference
RM 4.20 per transaction
Request for retrieval and copy of documents
  • Additional statement of the Facility
  • Issuance of letter of consent for transfer of vehicle from East Malaysia to West Malaysia and vice versa
  • Issuance of letter of undertaking for insurance/ takaful claim
  • Audit confirmation per account
  • Request for copy of the Facility documents
 RM 22.00 per request
Photocopy of the Facility Agreement RM 25.00 per request
Industrial Hire Purchase
Service Commission / Service Charges / Interest
Restructuring/Rescheduling
Corporate customers

Individual and SME customers are charged stamp duty on the following documents:

 RM230.00 including stamp duty. If it involves registrable vehicles, any charges payable to JPJ and runners shall be billed at cost.

Per Copy No. of Copies Total Amount
HP Variation Agreement RM10 2 RM20
Supplement Guarantor Agreement RM10 2 RM20
Guarantee & Indemnity (if any) RM10 2 RM20
Supplement Corporate Guarantee Agreement (if any) RM10 2 RM20
Assignment of Agreement RM230.00 including stamp duty. If it involves registrable vehicles, any charges payable to JPJ and runners shall be billed at cost.

Reimbursement on Stamp Duty
Standard Document Per Copy No. of Copies Total Amount
IHP/HP Agreement RM10 2 RM20
Personal Guarantee RM10 2 RM20
Joint & Several Guarantee RM10 2 RM20
Corporate Guarantee RM10 2 RM20
Novation Agreement RM10 1 RM20
Additional Documents due to certain terms and conditions imposed Per Copy No. of Copies Total Amount
Repurchase Agreement RM10 2 RM20
Assignment of Purchase Agreement RM10 2 RM20
Standing Instruction RM10 1 RM20
Letter of Set-Off RM10 1 RM20
Supplemental Agreement RM10 2 RM20
Variation Agreement RM10 2 RM20
Deed of Assignment RM10 2 RM20
Subordination of director loan RM10 2 RM20
Additional documents required for opening of L/C Per Copy No. of Copies Total Amount
Personal Guarantee RM10 2 RM20
Joint & Several Guarantee RM10 2 RM20
Corporate Guarantee RM10 2 RM20
eIPO Services
Service Commission / Service Charges / Interest
eIPO Application via online or ATM RM2.50 per application
Current Account-i & Basic Current Account-i
Current Account-i
Service Fee (not applicable for Premier Qard Current Account-i) RM10.00 half yearly service fee if average balance is less then RM1,000 in preceeding 6 months
Cheque Book
  • Stamp Duty
  • Cancellation of Long Outstanding Uncollected Cheque Book after issuing of reminder
  • RM0.15 per piece
  • RM 25.00 per cheque book (Not applicable for Transition Account)
  • RM 20.00 per cheque book (Applicable for Transition Account only)
Cheque Returned
  • due to insufficient funds
  • due to technical reasons
  • due to post dated (inward returned)
  • RM150 per cheque
  • No charge
  • RM10 .00(on payee)
Delivery of Inward Returned Cheque Upon Request RM10.00 (by courier)
Reclearing of Cheques RM50 per cheque
Stop Payment Cheque
  • Upon instruction
  • Due to lost of cheque book
  • RM20.00 per cheque
  • RM20.00 per instruction (with police report)
Upon presentation of cheque
  • if sufficient funds
  • if insufficient funds
  • RM10.00 per cheque
  • RM 150 per cheque (Not applicable for Transition Account)
  • RM 100 per cheque (Applicable for Transition Account* and Premier Qard Current Account-i)
Closure of Current Account (Not applicable for Transition Account)
  • within 6 months of opening
  • after 6 months of opening
  • RM20
  • RM10.00
Closure of Current Account (Applicable for Transition Account and Premier Qard Current Account‑i)
  • Within 3 months of opening
  • After 3 months of opening
  • RM20
  • No charges
Cheque Processing Fee RM0.50 per piece
Encashment of Pre-printed "A/C Payee Only" crossing third party RM2.00 per cheque (charged to drawer's account)
House Cheque
  • Immediate Credit (Individual & SME customers will be exempted)
  • Waived
Mandate Form
  • Stamp Duty
  • Service Charge
  • RM10
  • RM10.00
Duplicate Statements







Photocopies of cheques, pay-in-slips, advices and cheque images
i. Within 1 year from original statement date
RM10.00 per request plus RM2.00 per page
ii. Above 1 year from original statement date
RM20.00 per request plus RM2.00 per page

RM10.00 per copy
Dormant Account (no activity for 12 months) RM10.00 annually
  • Over the counter (OTC) (Interbranch)
  • RM5.00
    Waived (for Transition Account only)
  • Over the counter (OTC) (Interbank)
  • RM7.00
    RM5.00 (for Transition Account only)
List of Transition Account:
  • Qard Current Account II-i
  • Bank@Work Current Account-i
  • Qard Current Account II-i (Non-Profit Organizations)
  • Az-Zahra Qard Current Account-i
Basic Current Account-i (BCA)
Half yearly Service Charge RM10.00 (if monthly average balance is below RM1,000 in the preceding 6 months)
Closure of Account RM20 (if closed within 3 months of account opening)
Option 1
(No Bankcard Annual Fee)		 16 free monthly transactions :
  • 6 free over-the-counter (OTC) visits per month
  • 1st eight ATM cash withdrawal per month = free
    Subsequent = RM0.50 each
  • 1st two GIRO OTC transactions at RM0.50 each thereafter at RM2.00 per transaction
Option 2
(Bankcard Annual Fee RM8.48)
  • Unlimited number of ATM and OTC transactions
  • 1st two GIRO OTC transactions at RM0.50 each thereafter at RM2.00 per transaction
Premier Qard Current Account-i
Closing of account within 3 months RM 20
Cheque Book
  • Stamp Duty
  • Cancellation of Long Outstanding Uncollected Cheque Book after issuing of reminder
  • RM0.15 per piece
  • RM25.00 per cheque book
Cheque Return
  • due to insufficient funds
  • due to technical reasons
  • due to post dated (inward returned)
  • RM150 per cheque
  • No charge
  • RM10.00 (on payee)
Stop Payment Cheque
  • Upon instruction
  • Due to lost of cheque book
  • RM20.00 per cheque
  • RM20.00 per instruction (with police report)
Upon presentation of cheque
  • if sufficient funds
  • if insufficient funds
  • RM10.00 per cheque
  • RM100 per cheque
Dormant Account (no activity for 12 months) RM10.00 annually
Duplicate Statements
  • Upon instruction
  • Due to lost of cheque book
  • Within 1 year from original statement date
    RM10.00 per request plus RM2.00 per page
  • Above 1 year from original statement date
    RM20.00 per request plus RM2.00 per page
  • Photocopies of cheques, pay-in-slips, advices and cheque images
  • RM10.00 per copy
Standing Instruction
  • Over the Counter (OTC) Interbank
  • RM5.00 per transaction
Savings Account-i & Basic Savings Account-i
Savings Account-i
Replacement of passbook due to:

(i) Lost passbook
  • Service Charge
  • Stamp Duty

(ii) Poor handling, mutilated, faded etc
  • Service Charge

  • RM10
  • RM10

  • RM10
Closure of Savings Account
  • Within 6 months of account opening
  • Within 3 months of account opening (for Transition Account* only)

RM20
Dormant Account (no activity for 12 months) RM10.00 annually

List of Transition Account*:

  • Qard Savings Account II-i
  • Bank@Work Savings Account-i
  • Junior Qard Savings Account-i (Passbook)
  • Junior Qard Savings Account-i (Non-Passbook)
  • Senior Qard Savings Account-i
  • Easy Kad Debit-i
Basic Savings Account-i (BSA)
Closure of Account RM20 (if closed within 3 months of account opening)
Option 1
(No Bankcard Annual Fee)		 16 free monthly transactions :
  • 6 free over-the-counter (OTC) visits per month
  • 1st eight ATM cash withdrawal per month = free
    Subsequent = RM0.50 each
  • 1st two GIRO OTC transactions at RM0.50 each thereafter at RM2.00 per transaction
Option 2
(Bankcard Annual Fee RM8.48)
  • Unlimited number of ATM and OTC transactions
  • 1st two GIRO OTC transactions at RM0.50 each thereafter at RM2.00 per transaction
Basic Savings Account-i
Basic Savings Account-i Service Charges
Replacement of passbook No passbook for Basic Savings Account-i
Early Closure of Account RM20 (if closed within 3 months of account opening). No charge if closed after 3 months.
Option 1
(No Bankcard Annual Fee)		 Option 1 (Product code 130) – No Bankcard Annual Fee
16 monthly transactions:
  • 6 free Over-the-Counter (OTC) visits at branch (e.g. account enquiries, bills payment, deposits, withdrawals and fund transfers within the same bank)
    Each transaction after the 6th visit will be charged RM0.50.
    Note:
    OTC visit is defined as one visit to the bank’s counter irrespective of the number of transactions performed.

  • 8 free ATM cash withdrawal transactions.
    Each transaction after the 8th will be charged RM0.50.
    Note:
    There’s no limit on ATM transactions that are not cash withdrawal (e.g. balance enquiry or fund transfer within the same bank)

  • First 2 Interbank GIRO transaction is charged RM0.50 per transaction, thereafter at RM2.00 per transaction.
Option 2
(Bankcard Annual Fee RM8.00)		 Option 2 (Product code 131) – With RM8.00 Bankcard Annual Fee
  • Unlimited OTC & ATM cash withdrawal transactions
  • First 2 Interbank GIRO transaction is charged RM0.50 per transaction, thereafter at RM2.00 per transaction.
Inward Returned Cheque Due to postdated – RM10.00 on payee
Dormant Account (account with no activity / transaction for one year)
  • Annual service charge = RM10.00
  • If account balance less than RM10, system will auto close the account and absorb the balance as a fee after a reminder.
Bankcard
  • RM8.00 Annual Fee (Waived for staff)
  • RM12 Replacement of card fee due to lost/stolen/damage/PIN forgotten
Savings Account-i
Savings Account-i
Early Closure of Account RM20 (if closed within 3 months of account opening). No charge if closed after 3 months.
Dormant Account (account with no activity / transaction for 12 months)
  • Annual service charge = RM10.00
  • If account balance less than RM10, system will auto close the account. The balance shall be treated as the service charge.
Card Type Annual/Issuance Fee Replacement Fee
RHB Debit Card-i - RM12 RM12.00 (with 0.5% cash back for overseas transaction)
 RM15.00
RHB Debit Card-i - RM8 RM8.00 (without cashback)
 RM12.00
RHB Visa Justice League Debit Card-i Issuance fee : RM15.00
Annual fee : RM12.00 (with 0.5% cash back for overseas transaction)
 RM18.00
RHB Platinum Debit card-i RM50.00 Waived for the first year. For the subsequent years, it will be waived subject to RM5,000.00 retail spend per annum or swipe their card a minimum of 5 times in a year. RM15.00
Children Account-i
Children Account-i
Early Closure of Account RM20 (if closed within 3 months of account opening). No charge if closed after 3 months.
Dormant Account (account with no activity / transaction for 12 months)
  • Annual service charge = RM10.00
  • If account balance less than RM10, system will auto close the account. The balance shall be treated as the service charge.
Card Type Annual/Issuance Fee Replacement Fee
RHB Debit Card-i - RM12 RM12.00 (with 0.5% cash back for overseas transaction)
 RM15.00
RHB Debit Card-i - RM8 RM8.00 (without cashback)
 RM12.00
Current Account-i
Half Yearly Service Charge RM10.00 if monthly average balance is less than RM1,000 in the preceding 6 months
Cheque Book
  • Stamp Duty
  • Cancellation of Long Outstanding Uncollected Cheque Book after issuance of reminder
  • RM0.15 per piece
  • RM20.00 per cheque book
Cheque Returned
  • due to insufficient funds
  • due to technical reasons
  • due to postdated (inward returned)
  • RM150 per cheque
  • No charge
  • RM10.00 (on payee’s account)
Delivery Of Inward Returned Cheque Upon Request *RM10.00 (by courier)
Reclearing Of Cheques *RM50 per cheque
Stop Payment Cheque
  • Upon instruction
  • Due to lost of cheque book

Upon Presentation Of Cheque
  • if sufficient funds
  • if insufficient funds
  • RM10.00 per cheque
  • RM10.00 per instruction (with police report)


  • RM10.00 per cheque
  • RM100 per cheque
Early Closure Of Current Account
  • Within 3 months of opening
 RM20
Cheque Processing Fee RM 0.50 per piece
Encashment Of Cheque By The Bearer RM2.00 per cheque (charged to drawer's account)
Mandate Form
  • Stamp Duty
  • Service Charge
  • RM10
  • RM10.00
Statements Request RM2.00 per page regardless of the statement period
Photocopies Of Cheques, Pay-in-Slips, Advices And Cheque Images RM10.00 per copy
Dormant Account (account with no activity / transaction for 12 months) RM10.00 annually
Transfer Of Fund Via Standing Instruction (SI)
  • Direct Credit
  • IBG
  • Payment Order (Demand Draft)
  • Penalty charge imposed if fail at 1st attempt
  • Waived
  • RM2.00
  • RM10.50
  • Waived
Debit Card
Card Type Annual/Issuance Fee Replacement Fee
RHB Debit Card-i - RM12 RM12.00
(with 0.5% cash back for overseas transaction)		 RM15.00
RHB Debit Card-i - RM8 RM8.00
(without cashback)		 RM12.00
RHB Visa Justice League Debit Card-i Issuance fee: RM15.00
Annual fee: RM12.00
(with 0.5% cash back for
overseas transaction)		 RM18.00
RHB Platinum Debit card-i RM50.00
Waived for the first year.
For the subsequent years,
it will be waived subject
to RM5,000.00 retail spend
per annum or swipe their
card a minimum of 5 times
in a year.		 RM15.00
Premier Current Account-i
The fees for Premier Current Account-i
Cheque Book
  • Stamp Duty
  • Cancellation of Long Outstanding Uncollected Cheque Book After Issuance Of Reminder
  • RM0.15 per piece
  • RM25 per cheque book
Cheque Returned
  • due to insufficient funds
  • due to technical reasons
  • due to postdated (inward returned)
  • RM150 per cheque
  • No charges
  • RM10 (on payee’s account)
Delivery Of Inward Returned Cheque Upon Request RM10 (by courier)
Reclearing of Cheques RM50 per cheque
Stop Payment Cheque
  • Upon instruction
  • Due to loss of cheque book
  • RM20 per cheque
  • RM20 per request (with police report)
Upon presentation of cheque
  • if sufficient funds
  • if insufficient funds
  • RM10 per cheque
  • RM100 per cheque
Early Account Closure
Within 3 months of opening 		RM20
Cheque Processing Fee RM 0.50 per piece
Encashment Of Pre-Printed “A/C Payee Only” Crossing By Third Party RM2 per cheque (charged to drawer’s account)
House Cheque
Immediate Credit (Individual & SME customers will be exempted) 		Waived
Mandate Form
  • Stamp Duty
  • Service Charge
  • RM10
  • RM10
Request For Change Of Signatories / Conditions For Current Account Service Charge = RM10 per account
Duplicate Bank Statements
  • Within 1 year from original statement date
 RM10 per request plus RM2 per page
  • Above 1 year from original statement date
 RM20 per request plus RM2 per page
Duplicate Or Photocopies Of Cheques, Pay-In-Slips, Advices And Cheque Images RM10 per document
Dormant Account
(no activity for 12 months) 		RM10 annually
Intra Bank Fund Transfer
(Other than payroll) 		RM5
Transfer of Fund Visa Standing Instruction
  • Direct Credit
  • IBG
  • Payment Order
  • Waived
  • RM2
  • RM15.50
RHB Islamic Debit Card Fee
Card Type Annual Fee (RM) *Replacement Card Fee (RM)
Debit Card‑i 12 15
Debit Card‑i (Generic) 8 12
Islamic Platinum Debit Card‑i 50* 15

* Waived for the first year. For the subsequent years, it will be waived subject to RM5,000.00 retail spend per annum or swipe their card a minimum of 5 times in a year.
Restricted Investment Account-i (RIA-i)
Restricted Investment Account-i (RIA-i) Fees and Charges
Stamp duty on RIA agreement/ documents RM10 nominal fee per document.
Ad-hoc Fund Performance Report RM50 per request
Asset Backed Financing
Asset Backed Financing
Restructuring / Rescheduling RM230 including stamp duty. If it involves registrable vehicles, any charges payable to JPJ and runners shall be billed at cost.
Assignment of Agreement RM230 including stamp duty. If it involves registrable vehicles, any charges payable to JPJ and runners shall be billed at cost.
Reimbursement of stamp duty
Standard Documents
  • IHP/HP Agreement
  • Personal Guarantee
  • Joint & Several Guarantee
  • Corporate Guarantee
  • Novation Agreement

  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)
  • RM10 (Stamp duty for 1 copy only)
Additional Documents due to certain terms and conditions imposed
  • Repurchase Agreement
  • Assignment of Purchase Agreement
  • Standing Instruction
  • Letter of Set-Off
  • Supplement Agreement
  • Variation Agreement
  • Deed of Assignment
  • Subordination of director loan
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)
  • RM10 (Stamp duty for 1 copy only)
  • RM10 (Stamp duty for 1 copy only)
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)
Additional documents required for opening of L/C
  • Personal Guarantee
  • Joint & Several Guarantee
  • Corporate Guarantee
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)
Hire Purchase-i (Fixed Rate)/ Vehicle Financing-i (Variable Rate)
Types of fees/ charges Fees and Charges Amount
The Facility Agreement RM10.00 per agreement for stamp duty
Supplementary of the Facility Agreement RM 20.00 per agreement for documentation and stamp duty
Variation on the Facility Agreement upon request
 RM 10.00 per agreement for stamp duty
Postal
  • RM 3.50 for account without guarantor
  • RM 7.00 for account with 1 guarantor
  • RM 10.50 for account with 2 guarantors
Road Tax renewal RM 10.00 per transaction
Redemption statement (as requested by third party)
 RM 30.00 per request
Discharge and release letter (as requested by third party)
 RM 30.00 per request
Financial Information Services (FIS) Data Reference
 RM 4.20 per transaction
Request for retrieval and copy of documents
  • • Additional statement of the Facility
  • • Issuance of letter of consent for transfer of Vehicle from East Malaysia to West Malaysia and vice versa
  • • Issuance of letter of undertaking for insurance/ takaful claim
  • • Audit confirmation per account
  • • Request for copy of the Facility documents
 RM 22.00 per request
Photocopy of the Facility Agreement RM 25.00 per request
Equity Home/Property Financing
Equity Home/Property Financing-i Service Charges
Processing fee for approved application No charges
Redemption statement RM50.00 *
Letter of confirmation for EPF withdrawal RM20.00 (with/without documents) *
Security document retrieval fee RM20.00 for up to 10 pages *
RM50.00 for more than 10 pages *
Additional financing statement RM5.00 per page *
Restructuring/ Rescheduling No charges
Monthly maintenance fee No charges
Stamp duty As per the Stamp Act 1949 (Revised 1989)
Disbursement Fee Include fees for registration of charge, land search and bankruptcy search.
Legal Fees pertaining to financing documentations Customer is required to pay all legal fees and incidental expenses in connection with the facility (including but not limited to the preparation, stamping and registration of any security documents and the lodgment and withdrawal of caveats). Provided that the legal firm meets the Bank's minimum criteria, the customer may appoint the customer's preferred legal firm to attend to the preparation of the documentation. However, to avoid any delay in the documentation due to unfamiliarity with the Bank's documentation or process, the appointment of the Bank's panel lawyers is highly encouraged.
Valuation Fees For completed properties only

* (Inclusive of service tax and/or any applicable taxes imposed from time to time)

Commodity Murabahah Term Financing-i (CMTF-i) for Home/Property & Commodity Murabahah Term Financing-i (CMTF-i) for Home/Property (Full Flexi)
Commodity Murabahah Term Financing-i (CMTF-i) for Home/Property Service Charges
Stamp duty As per the Stamp Act 1949 (Revised 1989).
Disbursement Fees Include fees for registration of charge, land search and bankruptcy search.
Legal Fees on financing documentations You are required to pay all legal fees and incidental expenses in connection with the Banking Facility (including but not limited to the preparation, stamping and registration of any security documents and the lodgement and withdrawal of caveats). Provided that the legal firm meets the Bank’s minimum criteria, you may appoint your preferred legal firm to attend to the preparation of the documentation. However, to avoid any delay in the documentation due to unfamiliarity with the Bank’s documentation or process, the appointment of the Bank’s panel lawyers is highly encouraged.
Valuation Fees For completed properties only
Redemption statement (per account, per request) RM37.20 per transaction */**
Letter of confirmation for EPF withdrawal RM20.00 per transaction */**
Security document retrieval fee Photocopy of documents:
RM 20.00 for up to 10 pages */**
RM 37.20 for more than 10 pages */**

To view original document:

No fees applicable

*There will be further courier charge in the event you request for the documents to be delivered to your address.
Additional financing statement request RM 10.00 per request *
Restructuring/ rescheduling No charges
Processing fee No processing fee
Brokerage Fee Waived
Monthly Maintenance Fee
(Only applicable for CMTF-i for Home/Property (Full Flexi))		 RM10.00 (applicable upon full disbursement) *

* Subject to upon Customer’s request

** (inclusive service tax and/or any applicable taxes imposed from time to time)

Term Financing-i Collateralized by ASB Certificate
Jenis Fi dan caj Penerangan fi dan caj
Duti Setem Jumlah nominal RM10.00 (setiap dokumen) seperti yang termaktub di Akta Setem 1949 (Disemak 1989) (tertakluk pada perubahan yang dikenakan oleh Kerajaan)
Fi Pengendorsan RM 50.00
Personal Financing-i for Pensioners
Types of Fee : Details of Fee :
Stamp duty Nominal amount of RM10.00 (per document)
As per the Stamp Duty Act 1949 (Revised 1989) (subject to change that imposed by Government)
Brokerage Fee RM30.00 per application
Takaful Contribution Varies accordingly to financing amount, Customer’s age and tenor

  • Bank will inform you within at least 21 calendar days prior to the effective date of implementation should there be any changes in the fees and charges which are applicable to your financing facility.
  • Stamp duty, brokerage fee and Takaful contribution will be deducted from the total financing proceeds.

Personal Financing-i for Civil Sector
Types of Fee : Details of Fee :
Stamp duty Nominal amount of RM10.00 (per document)
As per the Stamp Duty Act 1949 (Revised 1989) (subject to change that imposed by Government)
Brokerage Fee RM30.00 per application
Collection Fee 2.0% of monthly payment
Takaful Contribution Varies accordingly to financing amount, Customer’s age and payment period

  • Bank will inform you within at least 21 calendar days prior to the effective date of implementation should there be any changes in the fees and charges which are applicable to your financing facility.
  • Stamp duty, brokerage fee and Takaful contribution will be deducted from the total financing proceeds.
  • 2.0% collection fee already incorporated in the monthly salary deduction.

Credit Card-i Charges
Fees and Charges Description
Annual Fees
Credit Card-i Type Principal Supplementary
RHB World Mastercard Waived Waived
RHB Rewards / RHB Rewards Motion CodeTM 200.00 Waived
RHB Cash Back 70.00 Waived
RHB Premier Visa Infinite Waived Waived
RHB Shell Visa 195.00 Waived
Fixed Management Fees
Credit Card-i Type Per Month (RM) Per Annum (RM)
RHB World Mastercard 7,500 90,000
RHB Rewards / RHB Rewards Motion CodeTM 7,500 90,000
RHB Cash Back 4,500 54,000
RHB Premier Visa Infinite 7,500 90,000
RHB Shell Visa 4,500 54,000
Actual Management Fees

On Purchases

Description Per Month Per Annum
Cardholders who promptly settle their minimum payment due for 12 consecutive months. 1.25% 15%
Cardholders 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 Cardholder. 1.42% 17%
Cardholders who do not fall within the above categories. 1.50% 18%

Note: Each Credit Card-i will be charged with Actual Management Fee (AMF) which is calculated based on your outstanding current balance of the month remaining unpaid after the payment due date immediately following the relevant statement date.

To enjoy lower Management Fee for the transactions, you should make at least 10 prompt payments in the last 12 months.

On Cash Advance
Cash advance amount will be taken into consideration when calculating the Actual Monthly Management Fee at a fixed rate of 18% per annum calculated on a daily basis from the date of disbursement until payment in full.

Note: Management Fee will not be compounded into the next outstanding balances. However, the amount due will reduce the available limit accordingly and such limit will be reinstated upon full or partial settlement.

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.

Automatic Balance Conversion (ABC)
An auto balance conversion for eligible Cardholder in every 12 months by converting the credit card outstanding balances (with a minimum amount of RM1,000) into a 3 years term financing, at an effective profit rate of 13% per annum. Cardholder has the flexibility to opt-out from each conversion offer.

Kindly refer to www.rhbgroup.com (Islamic Banking Page) for the latest BT rates.
Cash Advances Fee

5% of the transaction amount or a minimum of RM15.00, whichever is higher, will be charged on all cash withdrawals.

Cardholders can withdraw up to 50% of their available credit limit or such other limit as determined by RHB Islamic Bank at its discretion from time to time.
Late Payment Compensation Fee

If the Cardholder fails to pay the Minimum Monthly payment by the Payment Due Date, a minimum of RM10 or 1% of total outstanding balance as at statement date whichever is higher, up to RM100 will be charged and stated in the Monthly Statement.
Overseas Transaction Conversion Fees

If a transaction is made in foreign currency, Visa / MasterCard will convert the transaction into a Ringgit Malaysia equivalent at the conversion rate as at the date the transaction is processed by Visa / MasterCard. In addition, you will also pay administration costs at 1% or at such other rates as shall be determined by us for the conversion of the transactions made in foreign currencies.
Over Limit Fee

An over-the-limit fee of RM50 will be imposed whenever the Total Outstanding Balance exceeds the approved credit limit, provided that actual management fee incurred, plus over-the-limit fee does not exceed Fixed Management Fee and Customer consents to it upon signing of the Credit Card-i application form.
Card Replacement Fee

RM50 per card
Sales Draft Retrieval Copy
Credit Card-i Type Fee (RM)
RHB World Mastercard RM10 per copy
RHB Rewards / RHB Rewards Motion CodeTM & RHB Cash Back / RHB Premier Visa Infinite / RHB Shell Visa RM20 per copy
Monthly Hardcopy Statement Fee

RM1.00 per hardcopy statement effective March 2019.
Additional Statement Request Fee

RM5.00 per copy
Card Service Tax (CST)

RM25.00 per Principal & Supplementary card on a yearly basis. CST shall be imposed on the date of new card activation or renewal of the credit card on every twelve months after the date the card is issued or renewed.
Minimum Monthly Payment

5% of the outstanding balance or a minimum of RM50, whichever is higher.
Management Fee Free Period

20 days from statement date- if all retail transactions of the previous month are fully paid.
Debit Card-i Charges
Annual/Issuance Fee*
RHB Debit Card-i - RM12

RM12.00
(with 0.5% cash back for overseas transaction)

RHB Debit Card-i - RM8

RM8.00
(without cashback)

RHB Visa Justice League Debit Card-i

Issuance fee : RM15.00
Annual fee : RM12.00
(with 0.5% cash back for overseas transaction)

RHB Platinum Debit Card-i

RM50.00
Waived for the first year.
For the subsequent years, it will be waived subject to RM5,000.00 retail spend per annum or swipe their card a minimum of 5 times in a year.

RHB Premier Multi Currency Visa Debit Card-i

RM20.00

RHB Multi Currency Visa Debit Card-i

RM20.00

ATM Withdrawal Fee*
RHB ATM

Free

Local Bank MEPS

RM1.00 per withdrawal.
Waived for Platinum Debit Card-i

Foreign Bank MEPS

RM4.00 per withdrawal

Visa/MasterCard Network

RM12.00 per withdrawal

Card Replacement Fee
RHB Debit Card-i - RM12

RM15.00

RHB Debit Card-i - RM8

RM12.00

RHB Visa Justice League Debit Card-i

RM18.00

RHB Platinum Debit Card-i

RM15.00

RHB Premier Multi Currency Visa Debit Card-i

RM15.00

RHB Multi Currency Visa Debit Card-i

RM15.00

Sales Draft Retrieval Fee per copy *
RHB Debit Card-i - RM12 RM20.00
RHB Debit Card-i - RM8
RHB Visa Justice League Debit Card-i
RHB Premier Multi Currency Visa Debit Card-i
RHB Multi Currency Visa Debit Card-i
RHB Platinum Debit Card-i

RM10.00

Overseas Transaction Conversion Fee
1% of the converted amount.
RHB Corporate Credit Card-i
Fees and Charges Description
Annual Fees
Card Type Principal
RHB Corporate Credit Card-i RM150

Note: No supplementary card applicable for the Corporate Credit Card-i above.
Fixed Management Fee
Per Month Per Annum
RM 7,500 RM 90,000

Note: The Bank will grant a monthly rebate on the difference between monthly Fixed Management Fee against Actual Monthly Management Fees.
Actual Management Fee (AMF) On Purchases
Description Per Month Per Annum
Companies or cardholders who promptly settle their minimum payment due for 12 consecutive months 1.25% 15%
Companies or cardholders 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 company or cardholder. 1.42% 17%
Companies or cardholders who do not fall within the above categories 1.50% 18%

To enjoy lower AMF for the retail transactions, company or cardholder should make at least ten (10) prompt payments in the last twelve (12) months.

Note:

  • Each of the Corporate Credit Card-i will be charged with AMF which is calculated based on your outstanding current balance of the month remaining unpaid after the payment due date immediately following the relevant statement date.
  • Management Fee will not be compounded into the next outstanding balances. However, the amount due will reduce the available limit accordingly and such limit will be reinstated upon full or partial settlement.
Cash Advance Fee Not available
Note: Cash Advance feature/function is not allowed for RHB Corporate Credit Card-i.
Late Payment Compensation Fee If the company or cardholder fails to pay the minimum monthly payment by the payment due date, a late payment charge of 1% of the card account on the outstanding balance or RM10.00, whichever is higher, subject to a maximum of RM100.00 will be imposed and stated in the monthly statement.
Overseas Transaction Conversion Fee

If a transaction is made in foreign currency, VISA, will convert the transaction into a Ringgit Malaysia equivalent at the conversion rate as determined by VISA as at the date it is processed by VISA.

In addition, you will also pay the administration costs at 1% or at such other rates as shall be determined by us for the conversion of the transactions made in foreign currencies.
Any applicable taxes imposed from time to time are applicable for these charges.

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.
Card Replacement Fee RM50 per card
Sales Draft Retrieval Copy RM20.00 per copy
Additional Statement Request Fee RM5.00 per copy
Card Service Tax (CST) RM25.00 per principal card on a yearly basis. CST shall be imposed on the date of new card activation or renewal of the Corporate Credit Card-i on every twelve (12) months after the date the card is issued or renewed.
• RHB Purchasing Card-i
Fees and Charges Description
Annual Fees
Commercial Card-i Type Principal
RHB Corporate Charge Card-i RM150
RHB Purchasing Charge Card-i RM150

Note: No supplementary card applicable for commercial card-i above.
Finance Charges Finance Charges not applicable to Commercial Charge Card-i where outstanding balance must be settled in full by payment due date.
Cash Advance Fee Not applicable.
Note: Cash Advance feature/ function is not allowed for Commercial Charge Card-i.
Fixed Management Fee
Per Month Per Annum
RM 35,000 RM 420,000

Note: The Bank will grant a monthly rebate on the difference between Fixed Management Fee against Actual Management Fees.
Actual Management Fee (AMF) If the company or cardholder fails to settle the outstanding balance in full by the due date, a minimum fee of RM50.00 or 3.5% of total outstanding balance (whichever is higher) will be charged. AMF is calculated based on the outstanding balance of the month that remains unpaid after the due date immediately following the relevant statement date. AMF will not be charged on fees.
Late Payment Compensation Fee Not applicable to Commercial Charge Card-i as charge is based on Actual Management Fee.
Overseas Transaction Conversion Fee

If a transaction is made in foreign currency, VISA will convert the transaction into a Ringgit Malaysia equivalent at the conversion rate as determined by VISA as at the date it is processed by VISA.

In addition, you will also pay the administration costs at 1% or at such other rates as shall be determined by us for the conversion of the transactions made in foreign currencies.

Any applicable taxes imposed from time to time are applicable for these charges.
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.
Card Replacement Fee RM50 per card
Sales Draft Retrieval Copy RM20.00 per copy
Additional Statement Request Fee RM5.00 per copy
Card Service Tax (CST) RM25.00 per principal card on a yearly basis. CST shall be imposed on the date of new card activation or renewal of the credit card on every twelve months after the date the card is issued or renewed.
Standard Tariff & Charges
No Product Standard Tariff and Charges
Letter of Credit-i (LC-i)
1 Issuance 0.1% per month
Minimum (Min): RM150
Amendment
  • Extension of validity date
  • 0.1% per month
    Min: RM50 for 1st amendment.
    Min: RM100 for subsequent amendment.
  • Increase in amount
  • 0.1% per month
    Min: RM50 for 1st amendment.
    Min: RM100 for subsequent amendment
  • Other amendments
  • Flat: RM50 for 1st amendment.
    Flat: RM100 for subsequent amendment.
Cancellation RM50 flat
Overdrawn LC-i 0.1% per month
Min: RM50 for 1st overdrawn amount.
Min: RM100 for subsequent overdrawn amount
Expired LC-i 0.1% per month
Min: RM50
Standby LC-i (SBLC-i)
2 Issuance Rates as per Application for Accommodation (AA)
1.5% per annum, Min : RM100
Standby LC Amendment
  • Extension of validity date
  • Rates as per AA
    1.5% per annum, Min : RM100
  • Increase in amount
  • Rates as per AA
    1.5% per annum, Min : RM100
  • Other amendments
  • Flat: RM50 per request
Shipping Guarantee-i (SG-i)
3
  • Under our LC
  • 0.1% flat for first 3 months Min RM100
  • Not under our LC
  • 0.2% flat for first 3 months Min RM200
  • If the SG-i is not return for cancellation
  • 0.1% per month
    Min RM50 until SG-i is returned for cancellation.
Inward Bills for Collection-i (IBC-i)
4 Collection commission 0.1% flat ,Min RM50
Max RM100 for foreign currency
Max RM530 for RM
Advising Letter of Credit-i (ALC-i)
5 Advising commission
  • For Beneficiary's Account
  • RM50 flat for customer beneficiary
    RM75 flat for non-customer beneficiary
  • For Local Applicant's Account
  • RM50 flat for local LC with customer applicant
    RM79.50 flat for local LC with non-customer applicant
  • For Foreign Applicant's account
  • USD50 flat for Foreign LC
Outward Bills for Collection-i (OBC-i)
6 Collection commission 0.1% flat , Min RM50 ,Max RM100
Confirmed LC-i
7 Confirmation commission Depending on the country/sovereign risk, the confirmation rate will be charged between 0.1% to 0.2% per month or part thereof
  • SME customer: Min RM100
  • Non SME Customer: Min RM200
Bank Guarantee-i (BG-i)
8 Issuance/ Renewal Commission Issuance: 0.125%, Min RM100
Amendment (on tenor and amount) Amendment: 0.125%, Min RM100
Other amendments RM50 flat per request
Handling (Service) Charges for non-standard format RM100 flat
Lost BG RM100 flat
Claims under BG Handling fee RM50 per claim (to be charged on applicant)
Over-the-Counter Bank Guarantee-i (OTCBG-i)
9 Issuance 1.5% per annum, Min RM100
Renewal 1.5% per annum, Min RM100
Amendment (on tenor and amount) 1.5% per annum, Min RM100
Other amendments RM50 flat per request
Lost BG RM100 flat
Handling Charges for non-standard format RM100 flat
Claims under BG Handling fee RM50 per claim (to be charged on applicant)
Over-The-Counter LC-i (OTCLC-i)
10 Issuance 0.1% per month or part thereof
Min: RM150 (Min USD50 or equivalent if charges are for account of foreign beneficiary)
Amendment
  • Extension of validity date
  • 0.1% per month
    Min: RM50 for 1st amendment
    Min: RM100 for subsequent amendment
    (Min.USD25 or equivalent if charges are for account of foreign beneficiary)
  • Increase in amount
  • 0.1% per month or part thereof for the incremental value
    Min: RM50 for 1st amendment
    Min: RM100 for subsequent amendment
    (Min.USD25 or equivalent per request if charges are for account of foreign beneficiary)
  • Other amendments
  • Flat: RM50 for 1st amendment.
    Flat: RM100 for subsequent amendment per request
Cancellation RM50 flat (exclusive of other miscellaneous charges e.g. swift charges)
Expired LC-i 0.1% per month or part thereof from LC-i expiry date to the drawing date of the remaining outstanding balance amount
Overdrawn LC-i RM50 (Min USD25 or equivalent if charges are for account of foreign beneficiary)
Discrepancy Fee
  • For documents presented under
    our LC-i flat(per presentation)
  • RM50 for RM denominated LC-i
  • Flat (per presentation)
  • Equivalent of USD50 for any other foreign currencies)
Inward Bills Acceptance Commission
  • 0.1% per month or part thereof on the usance tenor
  • Min RM100
If charges are outside Malaysia they are
to be borne by applicant as stated in the LC-i terms and conditions
  • If LC-i in foreign currency, RM2,000 (flat)
  • If LC-i in RM, RM500 (flat)
Transferable LC-i
11 Transfer commission
  • Transfer of original LC
  • 0.15% flat on the transfer amount
    Min RM300 (customer with facility)
    Min RM500 (customer with no facility)
Transfer of amendment RM150 flat
Inwards Bills-LC / Usance LC IBC
Collection Commission		 For Local 2nd Beneficiary
0.1% flat
Min RM50
Max RM100 for foreign currency
Max RM500 for RM

For Foreign 2nd Beneficiary
Flat USD50 or equivalent.
Payment Handling Fee to 2nd Beneficiary RM25 of equivalent of USD20 for any other foreign currencies

Note: To be borne by transferee or 2nd beneficiary and deducted from proceeds.
Flexible Trade Financing-i
12 Handling Fee RM50 flat per transaction
Trade Solutions-i
13 Handling Fee RM50 flat per transaction
Trade Bills Purchased-i
14 Commission 0.1% flat
Minimum RM50
Maximum RM100 for foreign currency
Maximum RM500 for Ringgit
Trade Bills Purchased-i Against LC
15 Negotiation Commission
 0.1% flat
Minimum RM50
Maximum RM100 for foreign currency
Maximum RM500 for Ringgit
Payment Fee ( Charged to For non-financing customer/non-customer/Beneficiary) USD50 as per currency bill or equivalent
General
16 Postage/Delivery Charges
  • Local Party
  • RM2
  • Normal mail
  • RM3
  • Registered mail o
  • Actual courier/transport charges plus RM5
  • Courier / hand delivery
  • Min RM10
Postage/Delivery Charges
  • Foreign Party
  • RM3
  • Normal mail
  • RM5
  • Registered mail
  • Actual courier/transport charges plus RM5
  • Courier / hand
  • Min RM10
Telex/SWIFT charges RM10 – RM80 (Depending on destination)
Fax charges per page RM2 – RM10 (Depending on destination)
Rentas Cable Charge RM3
Foreign Cheques
Foreign Cheques  
All Currencies
Foreign Cheques for Collection & Foreign Cheques Purchased
  • Stamp Duty
  • Commission
  • Postage

  • RM0.15
  • 0.1% (Minimum = RM10, Maximum = RM100)
  • RM5
In SGD only
 Foreign Cheques for Collection & Foreign Cheques Purchased
  • Stamp Duty
  • Commission
  • Postage plus Collecting Agent's charges (if any)
  • RM0.15
  • 0.1% (Minimum = RM10, Maximum = RM100)
  • RM5
Advice of Dishonour
(Returned FCC / FCP / TCP)
  • Stamp Duty
  • Commission
  • Postage plus Collecting Agent's charges (if any)

  • RM0.15
  • RM10
  • RM5
Demand Draft
Service charges / Fees Stamp Duty Cable & Other Charges Mail / Courier Charges
Local Demand Draft (in RM)

For account holder

 RM4.85

RM0.15

NA

 RM0.60
(For Internet Banking Only)

For walk in customer

 RM7.85

RM0.15

  

Cancellation / Refund

 RM2.00 Stamp Duty: RM10.00
(on indemnity)
Not applicable if the original local Demand Draft is presented for cancellation.

NA

NA

MIDF/MIH Public Issue

For account holder

 RM2.00

RM0.15

NA

NA

For walk in customer

 RM4.85

RM0.15

Foreign Demand Draft (in Foreign Currency) General

Less than RM5,000.00 equivalent

 RM6.00

NA

 Postage: RM1.00

NA

Equal or above RM5,000.00 equivalent

 RM4.00 Postage: RM1.00

Cancellation / Refund / Stop Payment

 RM2.00 Stamp Duty : RM10.00
(on indemnity)
Not applicable if the original Demand Draft is presented for cancellation

Cable Charges : RM10.00
plus Out of Pocket Charges/
Agent Charges

NA

CRS Drafts USD / CRS Drafts Non-USD (EUR, GBP, HKD & NZD)

Less than RM5,000.00 equivalent

 RM6.00 NA Postage: RM1.00
&
Agent Charges:
RM5.00

NA

Equal or above RM5,000.00 equivalent

 RM4.00

Cancellation / Refund / Stop Payment

 On Same Day Issuance only (with physical draft)
Service Charge : RM2.00		 NA NA NA
After Next Day Of Issuance
Service Charge : RM2.00		 Stamp Duty : RM10.00
(if applicable)

Cable Charges: RM10.00

Agent Charges : RM30.00

NA

Photocopy Request on Paid CRS Drafts (USD and non USD Drafts)

 Agent Charges : RM38.00

NA

NA

NA
Foreign Worker Remittance Services
Foreign Worker Remittance Services  
Remittance Service
  • Rupiah
  • Peso
  • Taka
  • Vietnamese Dong
  • Pakistan Rupee
  • Indian Rupee
  • China



Note: Individual and SME Customers will be exempted. 		Telegraphic Transfer
Cable Charges = RM10
Commission = RM2

Bank Draft
Less than RM5,000
Commission = RM2
Postage = RM1

RM5,000 or above
Commission = waived
Postage = RM1
Commercial Banking / Small Medium Industries
Commercial Banking / Small Medium Industries  
Restructuring / Rescheduling of Facility
Restructuring / Rescheduling of Facility Minimum RM200 per request (Not applicable for SME)
Contract Financing
Approval for acceptance of new contract / project Minimum RM200 per request
Progressive drawdown Minimum RM100 for each drawdown
Bridging Financing
Progressive drawdown Minimum RM100 for each drawdown
Redemption of title / Disclaimer letter RM100 each per request
Inspection of Property / Project
For drawdown of facility, site inspection for property without valuation report; visit to ascertain progress of project or stage of construction of property Minimum RM100 per visit
Kafalah fee of Bank Guarantee-i
Kafalah fees will be charged at the actual cost 

0.125% per month of the guaranteed amount

Other Charges under Financing 
Confirmation / verification of signatories for Government tender(s) RM10 per confirmation
Redemption Statement
  • 1st issuance
  • Subsequent issuance
  • SME
 
  • RM100
  • RM200
  • RM50

Redemption Statement
  • borrowings account
  • non-borrowings account
 
  • RM100
  • RM20 (per confirmation per company)
Photocopy of Documents
  • Up to 10 pages
  • 10 pages to 50 pages
  • Each subsequent page
 
  • RM20
  • RM50
  • RM1
Ad-Hoc and General Requests
Any administrative and / or operational requests & trade related requests which require further approval by RHB Islamic Bank management. Examples are:
  • Temporary OD / excesses
  • Earmarking of facility
  • 3rd party utilization
  • Due diligence confirmation
  • Acceptance of Government format Letter of Guarantee
  • Bank Guarantee backdating
  • Bank Guarantee format variation
  • Exclusion from debenture / negative pledge
  • Release of title(s) for subdivision / amalgamation
  • Amendment / variation to Letter of Offer terms
  • Letter of Support e.g; for tenders
  • Approval for dividend payment
  • Any other request(s) that requires approval
 Minimum RM50 per request
Audit confirmation
  • RM100 per confirmation per company
  • RM50 per confirmation per company
Credit Checking
  • CTOS
  • ROC search via CCM / ROB search via CTOS
  • CCRIS
  • RM10 per search
  • RM20 per search
  • RM10 per name

(Not applicable for SME)
Telegraphic Transfer
SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES COURIER CHARGES
Rentas
via Outward Rentas (Over The Counter). RM5.00 NA NIL NA
Inward Rentas (via direct crediting). NIL NA NIL NA

BNM link

ABM link

AIBIM link
Outward Foreign Telegraphic Transfer via RHB Online Banking
Transaction fee NA NA Charges RM20.00 NA
Outward Foreign Telegraphic Transfer via RHB branches - Over the counter (OTC)
Less than RM5,000 or equivalent RM2.00 NA SWIFT RM25.00 NA
Equal or above RM5,000 NIL NA SWIFT RM25.00 NA
Cancellation / Refund / Stop Payment NIL NA Cable : RM10.00
plus out of pocket expenses 		NA
Debit Multi Currency Account USD 10.00
or its equivalent		      
Inward Foreign Telegraphic Transfer
Payable to an account with RHB Bank Berhad RM5.00 NA NA NA
Other Charges
Other Charges
Stamp Duty on Letter of Indemnity (Current and Savings Account) RM10
Interbank GIRO (IBG)
  • Over the Counter (OTC)
  • Internet Banking (normal transfer)
  • Instant Interbank Fund Transfer (IBFT)
  • RM2 per transaction
  • RM0.10 per transaction
  • RM0.00 per transaction
Contractors requiring branches to verify details on tender forms / letter of confirmation / reference etc Standard format = RM15
Freeflow format = RM50
Current and Savings Account
  • Inter-account funds transfer upon instruction (other than payroll)
 RM5 per transaction
Current Account
Service Commission/ Service Charges/ Interest
Service Charges Current Account (without OD facility)
Monthly RM5.00 is levied on account if daily average balance is below RM1,000

Current Account (with OD facility, Basic CA w/o OD facility & RHB Smart Account)
Half yearly service charge of RM10.00 is levied if **monthly average balance is less than RM1,000.00 in preceding 6 months

**Sum of day end balance in the preceding 6 months / number of days

MaxCash Account
Service charge of RM5.00 for every subsequent withdrawals / debits after meeting the maximum number of no-charge withdrawals / debits within a month as stated below:

Month End Balance Band (RM) Number of No-Charge Withdrawals / Debits
Up to 20,000 3
Up to 100,000 6
Above 100,000 Unlimited
My1 Account
RM15.00 annual fee (will be charged 3 months after account opening).
Monthly RM5.00 is levied on account if average daily balance is below RM5,000.
Basic Current Account
(Option 1 – No Bankcard Annual Fee)
  • 6 complimentary Over-the-Counter (OTC) visit per month, thereafter at RM0.50 per transaction
  • 8 complimentary Automated Teller Machine (ATM) cash withdrawals per month, thereafter at RM0.50 per transaction
  • First 2 GIRO transactions at RM0.50 per transaction, thereafter at RM2.00 per transaction
Basic Current Account
(Option 2 – With RM8 Bankcard Annual Fee)
  • Unlimited complimentary ATM cash withdrawals and OTC transactions.
  • First 2 GIRO transactions at RM0.50 per transaction, thereafter at RM2.00 per transaction.
Cheque Returned
  • Due to Insufficient funds
  • Due to technical reasons
  • Due to post-dated (inward returned)
  • RM150.00 per cheque
  • No charges
  • RM10.00 (on payee’s account)
Re-clearing of Cheques
  • RM50.00 per cheque
Stop Payment Cheque
  • Upon instruction
  • Due to loss of cheque book


Upon Presentation of cheque
  • If sufficient fund
  • If insufficient fund
  • RM20.00 per cheque
  • RM20.00 per request (with police report)


  • RM10.00 per cheque/ RM20.00 per cheque for RHB Smart Account
  • RM150.00 per cheque (for CA & RHB Smart Account) ;
    RM100.00 per cheque (for RHB Smart Account-i)
Cheque Processing fee
  • RM0.50 per piece
Uncollected returned cheque
  • Courier charges : RM10.00
Cheque encashment by accountholder at non domicile branch
  • Cheque Processing Fee : RM0.50
Depositing of House Cheque over-the-counter
  • Cheque Processing Fee : RM0.50
Closure of Account
  • Within 6 months of opening – RM20
  • After 6 months of opening – RM10.00

MaxCash Account, RHB Smart Account-i & Basic Current Account
  • RM20 on account closure within 3 months from the date it is opened.
Intrabank Fund Transfer via instruction (account to account other than payroll services)
  • RM5.00 per transaction
Other Charges
Currrent Account Hardcopy Statement Charge
  • RM1.00/month
Cheque Book
  • Stamp duty
  • Cancellation of long outstanding uncollected cheque book after issuing of reminder
  • RM0.15 per piece
  • RM25.00 per cheque book
Service charges on Dormant Account
(no activity for 12 months)
  • For dormant account with balances of up to RM10.00, the account is closed and the amount absorbed as a charge
  • For dormant account with balances more than RM10.00, an annual service fee of RM10.00 is charged until the remaining balances are sent to unclaimed monies.
Audit Confirmation
  • With facilities
  • Without facilities
  • RM100.00
  • RM50.00
Mandate Form
  • RM10 stamp duty
  • RM10.00 service charges
Duplicate Statements
i)  Within 1 year from original statement date
RM10.00 per request plus RM2.00 per page
ii)  Above 1 year from original statement date
RM 20.00 per request plus RM2.00 per page
Photocopies of cheques, pay in slips, advices & cheque images
  • RM10.00 per document
Request for changes of signatories/ conditions for Current Account
  • RM10.00 per account
Coins deposit
(individual & SME customers will be exempted)
  • RM3.00 service charge for deposit from RM1,000 to RM3,000
  • RM5.00 service charge for deposit more than RM3,000
*Not applicable for Basic Current Account
Changing of coins
(individual & SME customers will be exempted)
  • RM8.00 per bag
  • Loose coins: RM1.00 for every RM50
Third party encashment of Pre-printed “Account Payee Only” crossing cheque
  • RM2.00 charge to drawer’s account for each third party encashment
  • Third party encashment on cheque with MICR code 16 is waived (Government cheques)
Bulk cash deposits (Individual & SME customers will be exempted)
  • 1st 1,000 pieces – no charge
  • Multiple of 1,000 – RM10.00 up to a maximum of RM500 will be charged on all accounts.
House Cheque
Immediate credit (Individual & SME customers will be exempted)
  • waived
Interest on Overdrawn Amount (TOD)
  • Min: RM5
  • Max: BLR+3.5%
Premier Current Account
Service charges Half yearly service charge of RM10.00 is levied if **monthly average balance is less than RM1,000.00 in preceding 6 months

**Sum of day end balance in the preceding 6 months / number of days
Closing of account within 3 months RM 20
Cheque Book
  • Stamp Duty
  • Cancellation of Long Outstanding Uncollected Cheque Book after issuing of reminder
  • RM0.15 per piece
  • RM25.00 per cheque book
Cheque Return
  • due to insufficient funds
  • due to technical reasons
  • due to post dated (inward returned)
  • RM150 per cheque
  • No charge
  • RM10.00 (on payee)
Stop Payment Cheque
  • Upon instruction
  • Due to lost of cheque book
Upon presentation of cheque
  • if sufficient funds
  • if insufficient funds
  • RM20.00 per cheque
  • RM20.00 per instruction (with police report)
  • RM10.00 per cheque
  • RM100 per cheque
Dormant Account (no activity for 12 months) RM10.00 annually
Duplicate Statements







Photocopies of cheques, pay-in-slips, advices and cheque images
  • Within 1 year from original statement date
    RM10.00 per request plus RM2.00 per page
  • Above 1 year from original statement date
    RM20.00 per request plus RM2.00 per page
  • RM10.00 per copy
Standing Instruction
  • Over the Counter (OTC) Interbank

  • RM5.00 per transaction