Credit Cards

Convert your retail purchases to RHB Smart Instalment Payment Plan at 0% interest for up to 36 months, for better financial flexibility. RHB Smart Instalment Payment Plan is available at over 800 participating merchants nationwide.

Highlights

• RHB Smart Instalment Payment Plan is only applicable for purchase made using RHB Credit Cards at the selected and approved merchant outlets by RHB
• Immediate approval at 0% interest with options of 6, 12, 24 or 36 months, subject to the arrangement and agreement between participating merchants and RHB
• No application is required and no additional fee charged
• Minimum purchase of RM500 and maximum of 100% of Cardmember(s) available credit limit

RHB Smart Instalment of IKEA applies to:

• All Principal & Supplementary Cardmembers (hereinafter referred to as “Cardmember(s)”) of any RHB Credit Card/-i and RHB Business Credit Cards (hereinafter referred to as “RHB Credit Card”)
• 0% Smart Instalment at Ikea Store with options of 6, 12 & 24 months
• Minimum purchase of RM500 in a single receipt
• For more information, please visit https://www.ikea.com/ms/en_MY/customer-service/our-services/finance-options.html

For more information, please call our Customer Contact Centre at 03-9206 8118, available 24 hours, 7 days a week.

Participating Merchants Listing

Terms and conditions apply

Thank you for being a part of the RHB Reward and Infinite card programme. As a bank that loves rewarding our loyal customers, we are pleased to reveal yet another round of exciting privileges tailored specially for you.

Be it indulging in luxurious moments or surprising a loved one with a heartfelt gift, prepare to be captivated by our comprehensive catalogue of rewards.

With style and functionality in mind, this year we have put together an extensive array of products. For jetsetters, take a look at trendy designer luggage bags and back packs that make a statement, while the tech-savvy can enjoy spectacular tech gadgets. Indulge the little ones with our exciting selection of interactive and educational toys.

Check out the fabulous selection of kitchen essentials that can make your moments in the kitchen memorable. Scan through the Home Inspiration, Lifestyle & Wellness and DIY Discoveries to add a little magic to your living space.

Of course, if you prefer the thrill of shopping on your own, you can always opt for our exclusive range of shopping vouchers. Alternatively, these vouchers make excellent gifts for family and friends!

Join our eco-friendly efforts to make banking paperless and enjoy unlimited conveniences with your RHB Reward Points or redeem them online via RHB Now.

If you choose to redeem items or meals on-the-spot, browse through our list of participating merchants at the ‘Benefits’ page on our website.

Start redeeming today and experience exciting rewards!

Charity Body

Aman Palestin is an initiative to assist and channel donations to safeguard the welfare and human rights of Palestinians.

Aman Palestin is always working to ensure that every ringgit donated by Malaysians, is not only up to the extent for medical aid but to be utilized in the best possible way in Palestine.

Aman Palestin registrated under the Companies Commission of Malaysia (SSM) under the name of AMAN PALESTIN BERHAD as a non-profit organization to help collective, organized, effective and continuous support to the people who need aid in Palestinian.

It is hoped that the ongoing concern of Malaysians in channelling aid can provide hope and help alleviate the suffering suffered by the Palestinians.

In view to the above RHB has extended an option for all RHB Rewards and Infinite Credit Card holder to donate to Aman Palestin via our RHB Reward Program.

You can donate to Aman Palestin by converting your Reward Points via Online by clicking the link below or by sending physical form to us directly.

• Redeem Online
• Download Form

Catalogue

• Rewards Programme 2021

Redeem Online

• Online Rewards Redemption

Terms and Conditions

• Terms and Conditions

Frequently Asked Questions

• Frequently Asked Questions

Managing your bills is easy with RHB Smart Pay. All you have to do is register with us and we’ll automatically charge your selected bills to your RHB Credit Card/-i or RHB Debit Card/-i on a monthly basis.

• Never miss paying another bill
• No need to rush for bill payments
• Skip the long queues

In the event of a card replacement or renewal, the existing auto billing (Smart Pay) and auto-debit services will be automatically billed into your new replacement or renewal card.

RHB Smart Pay Participating Merchants:

• Digi
• Astro
• Tenaga Nasional
• RHB Insurance
• AIA Insurance
• Zurich Insurance
• Tokio Marine
• U Mobile

Benefits

• Lower rate @ 13% p.a. compared to 15% - 18% p.a. on your credit card unpaid balances
• Hassle-free conversion - your outstanding statement balances will be converted upon meeting eligibility criteria (annual assessment)
• No processing fee on the conversion
• No termination fee - flexibility to early settle your instalment plan with no additional fee
• Flexibility to opt-out from each conversion offer

Features

• Eligible customer will be given advance notice prior to being enrolled into the programme.
• Your outstanding credit card balances will be converted into 36 monthly instalments
• Balances will be converted at 13% p.a. (effective interest rate)
• Minimum convertible amount is RM1,000
Note: The amount converted will be booked on your existing credit card limit. Each monthly instalment you pay will incrementally restore your available credit limit or in full once the Auto Balance Conversion is fully repaid.

Eligibility

• Nationality: Malaysian
• Annual income: Less or equal RM60,000 (note that this refers to the latest verified income as per RHB Bank’s record)
• Payment history: Payment ratio less or equal 10% (previous 12 months’ average)
• Payment ratio = total payment / total statement balance (previous 12 months)
• Your card account is current and not delinquent

• You will not qualify for future Auto Balance Conversion if your annual income is above RM60,000.
• You will continue to pay down any outstanding instalment from earlier converted balances.
• Please update RHB Bank on any changes to your annual income.

How it works

• Upon enrolment for this programme, your credit card outstanding balance will be assessed after payment due date and converted into 36 monthly instalments upon meeting the eligibility criteria every 12 months.
• You will be auto-enrolled for this program upon meeting the Eligibility Criteria above. You will be notified on this enrolment if you are eligible, and may opt out via SMS.