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Smart Move Balance Transfer |
Transfer your outstanding balances from other credit card/charge card to your RHB Credit Card and enjoy BIG savings with our low interest rates!
Transfer your outstanding balances from other credit card/charge card to your RHB Credit Card/-i under RHB Smart Move Balance Transfer and enjoy great savings with interest rates/actual management fee at 4.88%p.a. for 6 to 36 months tenure.
Don’t have an RHB Credit Card/-i? Apply one today and enjoy 0%p.a. Balance Transfer. Click here to find out more.
Smart Move Balance Transfer Table
Plan Code | Tenure (months) | Interest/Actual Management Fee | Effective Rate | Minimum Amount (RM) | Monthly Instalment (RM) |
---|---|---|---|---|---|
451 | 6 | 4.88%p.a. | 8.32% | 1,000 | 170.73 |
452 | 12 | 8.89% | 1,000 | 87.40 | |
453 | 18 | 9.05% | 1,000 | 59.63 | |
454 | 24 | 9.11% | 1,000 | 45.74 | |
455 | 36 | 9.10% | 1,000 | 31.85 |
Note:
Promotion is valid from 1 July 2022 – 31 December 2022
5 Easy Ways to Apply
1. | Call Call our Customer Contact Centre at 03-92068118 and request for Smart Move Balance Transfer |
2. | SMS SMS BTCX to 66300 and our Customer Contact personnel will be in touch with you to complete the application |
3. | Email Download and complete the Smart Move Balance Transfer application form and email the completed application form along with a copy of the other bank's latest credit card statement, to telesales_department@rhbgroup.com |
4. | Walk-in Alternatively, drop the completed application form to any RHB branches near you |
5. | OR, just leave your particulars with us below and we will be in touch |
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CashXcess |
Need extra cash? Get fast cash from your RHB Credit Card/-i when you apply for RHB CashXcess.
Need extra cash? Now, you can get fast cash from your RHB Credit Card/-i. Apply RHB CashXcess now to enjoy interest rate/actual management fee starting from 4.88%p.a. from 12 months tenure.
Don’t have an RHB Credit Card/-i? Apply one today and enjoy 0%p.a. CashXcess. Click here to find out more.
Plan | Interest Rates/ Actual Management Fee |
Effective Rate | Tenure (months) | Minimum Amount |
---|---|---|---|---|
602 | 8.00% p.a | 14.45% | 12 | RM1,000 |
603 | 9.00% p.a | 16.43% | 24 | RM1,000 |
694 | 9.88% p.a | 17.72% | 36 | RM1,000 |
649 | 9.88% p.a | 17.41% | 48 | RM1,000 |
630 | 4.88% p.a. | 8.89% | 12 | RM5,000 |
6 Easy Ways to Apply
1. | Log-in Log-in to RHB Online Banking to check out the tactical rates. |
2. | Call Call our Customer Contact Centre at 03-92068118 and request for CashXcess. |
3. | SMS SMS BTCX to 66300 and our Customer Contact personnel will be in touch with you to complete the application. |
4. | Email Download and complete the CashXcess application form and email the completed form to telesales_department@rhbgroup.com |
5. | Walk-in Alternatively, drop the completed application form to any RHB branches near you. |
6. | OR, just leave your particular with us below and we will be in touch |
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Dial-An-Instalment |
With a minimum spend of RM500, you can now convert your RHB Credit Card purchases into flexible monthly instalments for a small fee.
Shop to your heart’s content with flexible monthly instalments. Dial-An-Instalment to convert your RHB Credit Card/-i purchases into affordable monthly instalments.
Plan (months) |
One-Time Upfront
Rate/ Actual Management Fee |
Effective Rate | Minimum Transaction Amount |
---|---|---|---|
6 months | 2.50% | 8.52% | RM500 |
12 months | 5.00% | 9.10% | RM1,000 |
18 months | 7.00% | 8.67% | RM1,000 |
24 months | 9.00% | 8.41% | RM2,000 |
No Maximum purchase amount limit |
Simple Steps to Apply
1. | Call us at 03-92068118 three (3) days after your purchase(s) |
2. | Identify purchase(s) to be converted by referring to sales draft or monthly credit card/-i statement |
3. | Choose from flexible payment plans of 6, 12, 18 or 24 months |
How It Works
Amount Purchased | Monthly Payment Amount | |||
---|---|---|---|---|
6 Months @ 2.50% | 12 Months @ 5.00% | 18 Months @ 7.00% | 24 Months @ 9.00% | |
RM500 on designer wear | RM85.42 | - | - | - |
RM1,000 on a vacation | RM170.83 | RM87.50 | RM59.45 | - |
RM2,000 on jewelry | RM341.67 | RM175.00 | RM118.89 | RM90.84 |
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Credit Limit Increase |
Increase your credit limit today and enjoy greater financial flexibility!
Enjoy all these and more when you increase your credit limit today:
For more information, please call RHB Phone Banking at 03-9206 8118.
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Smart Instalment Payment Plan |
Enjoy 0% monthly instalment when you spend a minimum of RM500 on retail purchases at RHB's participating merchants.
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 of IKEA applies to:
For more information, please call our Customer Contact Centre at 03-9206 8118, available 24 hours, 7 days a week.
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RHB Rewards |
Start your journey to an exciting experience with our new RHB Rewards. On top of earning RHB Loyalty Points when you spend, save or invest with us, you can now also decide how you would like to be rewarded. Just choose from a range of over 8,000 items and vouchers up for you to redeem at RHB Superdeals.
Thank you for being a loyal customer. As a bank that values its loyal customers, we are pleased to introduce the new enhanced privileges tailored specially for you.
With our new RHB Rewards, you will be rewarded with RHB Loyalty Points when you spend, save or invest with us. In addition to that, you now have the choice to decide how you would like to be rewarded as you can choose from over 8,000 items and vouchers for you to redeem at RHB Superdeals, our new redemption platform.
Explore a wide range of assortments from gadgets, home appliances, baby & kids, health & beauty, e-Vouchers and more with exclusive deals of up to 70%. RHB Superdeals guarantees you 100% authentic products for a worry-free shopping experience.
What’s more? We have made shopping and redemption process easy for you. You may checkout your cart with either a RHB Debit or Credit Card; and opt for Easy Payment Plan (EPP) with 0% installment which allow you to convert your payments up to 12 months.
You may also access to RHB Superdeals via our internet banking RHB Now (under My Accounts, Rewards Redemption) to enjoy the great deals.
Let’s begin your rewarding journey with us at RHB Superdeals!
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.
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Smart Pay |
Now you can pay your bills on time with our centralized RHB Smart Pay
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.
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:
Document Required: | |
1. | Completed RHB Smart Pay Application Form |
2. | Copy of the latest bill(s) |
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Auto Balance Conversion |
Pay off your credit card outstanding balances faster at a lower rate by converting your outstanding amount into manageable fixed monthly payments.
Benefits
Features
Eligibility
How it works
Every day is more rewarding with RHB VISA INFINITE CREDIT CARD because you get 5x Reward Points for all your overseas purchases. Kindly refer to the table below for Rewards multiplier by spend category:
Spend Categories | Credit Card Reward Points Multiplier for every RM 1 spend |
---|---|
Overseas Spend | 5X |
Local Spend | 1X |
Unlimited access to selected airport lounges / Aerotel
in Malaysia and Singapore (for the first 1,000 cardholders per
month).
Thereafter, a discount of 25% off the walk-in rates will be charged.
- 25% Discount at all Plaza Premium Lounges in Malaysia for all accompanying guests.
- 20% Discount at Plaza Premium Lounges all around the world. (except Shanghai & Beijing)
Lounge’s Facilities
Complimentary Food & beverages, High speed internet access,
Entertainment & Flight Information, Newspapers & magazines,
Shower with amenities
Please refer to the Terms & Conditions for full details & the list of eligible Plaza Premium Lounges for respective RHB Credit Card.
Visit https://www.plazapremiumlounge.com/en-uk for the updated Plaza Premium Lounge locations around the world.
Enjoy complimentary tee off at the following golf courses:
For the full Terms and Conditions, please refer to RHB Premium Cards Golf Privileges 2022
Golf Clubs | Booking Contact No. / Details |
---|---|
Sungai Long Golf & Country Club, Selangor, Malaysia | RHB Priority Line +603 9206 1111 |
Palm Garden Golf Club, Selangor, Malaysia | |
Glenmarie Golf & Country Club, Selangor, Malaysia | |
Tropicana Golf & Country Resort, Selangor, Malaysia | |
Kota Permai Golf & Country Club, Selangor, Malaysia |
- | Your purchase is covered from losses due to non-delivery or incomplete delivery of the goods. This benefit also covers you in case the goods you purchased online arrives with physical damage |
- | Automatically activated when an item is purchased using an eligible Visa card. |
- | Eligible for online purchases made from any merchants globally |
- | Claims and insurance details can be made available online from AIG Cardholder Insurance Portal |
- | Please click here for Terms & Conditions , Claim Forms and FAQs |
Tier | Monthly Total Spend (RM) | Cash Back | |||||
---|---|---|---|---|---|---|---|
Petrol (Shell) | Grocery | Online Spend | Top Up E-Wallet | Utilities | Other Spend | ||
1 | 800.00-1499.99 | 5% | 1% | 1% | 1% | 1% | 0.2% |
2 | 1500.00-2499.99 | 8% | 2% | 2% | 2% | 2% | 0.2% |
3 | ≥ 2500 | 12% | 5% | 5% | 5% | 5% | 0.2% |
Monthly Capping(RM) | RM50 | RM50 | Unlimited |
For the list of Merchant Category Code (MCC) which are eligible for Cash Back, please click here
Petrol | Get Cash Back on Shell petrol stations only. |
Groceries | Stock up in bulk and it still wouldn't be a problem. Example
of Grocery merchants: Aeon Supermarket, Giant, Jaya Grocer, Other hypermarkets or supermarkets |
Online Spend | Enjoy Cash Back for spending via e-Commerce mode. Example:
GrabFood, Food Panda, EASIMY, Mcdonald’s Delivery, Tesco Online, Zalora, and other online platform. |
Top up E-Wallet | Gain more Cash Back when you top up the following E-Wallets:
Grabpay, Touch’nGo eWallet, Boost, BigPay, Lazada Wallet,Wechat Pay and Shopee Pay. |
Utility Bills | An easier way to deal with your phone, internet and utility
bills. Example of Utility merchants: Astro, Celcom, Maxis, Tenaga Nasional Berhad, All other utilitiy billers |
- | Your purchase is covered from losses due to non-delivery or incomplete delivery of the goods. This benefit also covers you in case the goods you purchased online arrives with physical damage |
- | Automatically activated when an item is purchased using an eligible Visa card. |
- | Eligible for online purchases made from any merchants globally |
- | Claims and insurance details can be made available online from AIG Cardholder Insurance Portal |
- | Please click here for Terms & Conditions , Claim Forms and FAQs |
Tier | Monthly Total Spend (RM) | DOMESTIC LOCAL SPEND | OVERSEAS SPEND | |||
---|---|---|---|---|---|---|
ONLINE | ENTERTAINMENT | SHOPPING | OTHERS | |||
1 | RM1,000 – RM2,499 | 1% | 1% | 1% | 0.20% | 0.50% |
2 | RM2,500 – RM3,499 | 2% | 2% | 2% | 0.20% | 1% |
3 | RM3,500 & above | 6% | 6% | 6% | 0.20% | 2% |
Monthly Cash Back Capping | RM30 | RM30 | RM30 | Unlimited | RM100 |
Cash Back excludes cash advance, charity, government and petrol transactions.
For the list of Merchant Category Code (MCC) which are eligible for Cash Back, please click here
Online | Get your cash back on all online transaction. Example of
online merchants: Lazada, Zalora, AliExpress, & other online merchants |
Entertainment | Get your cash back on all entertainment nationwide under the
Entertainment MCC. Examples: KL Bird Park, Petrosains, GSC Cinemas, Speedy, TGV Cinemas, & other entertainment outlets |
Shopping | Get your cash back on shopping spend under the Shopping MCC.
Examples: Zara, H & M, Charles & Keith, Pedro, & other retail outlets |
- 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)
Lounges’ facilities
Complimentary Food & beverages, High speed internet access,
Entertainment & Flight Information, Newspapers & magazines,
& Shower with amenities
Please refer to the Terms & Conditions for full details & the list of eligible Plaza Premium Lounges for respective RHB Credit Card.
Visit https://www.plazapremiumlounge.com/en-uk for the updated Plaza Premium Lounge locations around the world.
Enjoy complimentary tee off at the following golf courses:
For the full Terms and Conditions, please refer to RHB Premium Cards Golf Privileges 2022
Golf Clubs | Booking Contact No. / Details |
---|---|
Sungai Long Golf & Country Club, Selangor, Malaysia | RHB Priority Line +603 9206 1111 |
Palm Garden Golf Club, Selangor, Malaysia | |
Glenmarie Golf & Country Club, Selangor, Malaysia | |
Tropicana Golf & Country Resort, Selangor, Malaysia | |
Kota Permai Golf & Country Club, Selangor, Malaysia |
- | Your purchase is covered from losses due to non-delivery or incomplete delivery of the goods. This benefit also covers you in case the goods you purchased online arrives with physical damage |
- | Automatically activated when an item is purchased using an eligible Visa card. |
- | Eligible for online purchases made from any merchants globally |
- | Claims and insurance details can be made available online from AIG Cardholder Insurance Portal |
- | Please click here for Terms & Conditions , Claim Forms and FAQs |
Cash Back
RHB World MasterCard Credit Card gives you up to 6% Cash Back per month.
Kindly refer to the table below for Cash Back % by spend category:
Tier | Monthly Total Spend (RM) | DOMESTIC LOCAL SPEND | OVERSEAS SPEND | |||
---|---|---|---|---|---|---|
PETROL | TRAVEL | DINING | OTHERS | |||
1 | RM1,000 – RM2,499 | 1% | 1% | 1% | 0.20% | 0.50% |
2 | RM2,500 – RM3,499 | 2% | 2% | 2% | 0.20% | 1% |
3 | RM3,500 & above | 6% | 6% | 6% | 0.20% | 2% |
Monthly Cash Back Capping | RM30 | RM30 | RM30 | Unlimited | RM100 |
Cash Back excludes cash advance, charity, government and petrol (oversea) transactions
For the list of Merchant Category Codes (MCCs) which are eligible for Cash Back, please click here
Travel | Get your cash back on all Travel agencies nationwide under
the MCC stated in the T&C. Examples: Hertz, Malaysia Airlines(MAS), Air Asia, Apple Travel, Reliance Travel, And other travel related spending |
Petrol | Get your cash back on all petrol stations nationwide under
the MCC stated in the T&C. Examples: Caltex, Petron, Petronas, Shell, All other petrol stations |
Dining | Get your cash back on all dining nationwide under the MCC
stated in the T&C. Examples: McDonald's, Madam Kwan's, Secret Recipe, Kenny Rogers, All other dining / restaurants |
- 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)
Lounges’ facilities
Complimentary Food & beverages, High speed internet access,
Entertainment & Flight Information, Newspapers & magazines,
& Shower with amenities
Please refer to the Terms & Conditions for full details & the list of eligible Plaza Premium Lounges for respective RHB Credit Card.
Visit https://www.plazapremiumlounge.com/en-uk for the updated Plaza Premium Lounge locations around the world.
Enjoy complimentary tee off at the following golf courses:
For the full Terms and Conditions, please refer to RHB Premium Cards Golf Privileges 2022
Golf Clubs | Booking Contact No. / Details |
---|---|
Sungai Long Golf & Country Club, Selangor, Malaysia | RHB Priority Line +603 9206 1111 |
Palm Garden Golf Club, Selangor, Malaysia | |
Glenmarie Golf & Country Club, Selangor, Malaysia | |
Tropicana Golf & Country Resort, Selangor, Malaysia | |
Kota Permai Golf & Country Club, Selangor Malaysia |
- Up to RM600,000 Travel Insurance coverage. Please click here for more details.
Spend Categories | Credit Card Reward Points Multiplier for every RM 1 spend |
---|---|
Overseas Spend* | 4X* |
Online Spend^ | 3X^ |
Health Spend | 2X |
Insurance Spend | 2X |
Shopping Spend |
2X |
Cinema Entertainment Spend** |
10X** |
Others Spend |
1X |
Note:
* Overseas Spend is meant for foreign currency transactions
performed physically out of Malaysia. Not inclusive of Online,
E-commerce, Mail Order Telephone Order (MOTO) and Recurring Auto
Debit transactions.
^ Online Spend is meant for all Online, e-Commerce and MOTO
transactions in local or foreign currency.
** Cinema Entertainment Spend is meant for any mode of transaction
under MCC-7832.
For the list of Merchant Category Code (MCC) which are eligible for Reward Points, please click here
GOLF CLUBS | BOOKING CONTACT NO. / DETAILS |
---|---|
Sungai Long Golf & Country
Club Selangor, Malaysia |
RHB Customer Care Centre |
Kota Permai Golf & Country Club, Selangor Malaysia
Club Selangor, Malaysia |
- | Your purchase is covered from losses due to non-delivery or incomplete delivery of the goods. This benefit also covers you in case the goods you purchased online arrives with physical damage |
- | Automatically activated when an item is purchased using an eligible Visa card. |
- | Eligible for online purchases made from any merchants globally |
- | Claims and insurance details can be made available online from AIG Cardholder Insurance Portal |
- | Please click here for Terms & Conditions , Claim Forms and FAQs |
Tier | Total Monthly Retail
Spend (RM) |
Cash Back | |||||
---|---|---|---|---|---|---|---|
Petrol | Dining | Utilities | Grocery | Online Dining/ Grocery Delivery |
Other spend | ||
1 | 1.00 – 999.99 | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% |
2 | 1,000.00 – 1,999.99 | 1.0% | 1.0% | 1.0% | 1.0% | 1.0% | 0.2% |
3 | 2,000.00 – 2,499.99 | 2.0% | 2.0% | 2.0% | 2.0% | 2.0% | 0.2% |
4 | ≥ 2,500.00 | 5.0% | 5.0% | 5.0% | 5.0% | 10.0% | 0.2% |
Monthly Capping (RM) | RM10 per month | RM10 per month | RM10 per month | RM10 per month | RM10 per month | unlimited |
Petrol | Get Cash Back on all petrol stations. Example of Petrol
merchants: Caltex, Petron, Petronas, Shell, All other petrol stations |
Dining | Spend on your dining & get cash back up to 5%. Example of
Dining merchants: McDonald’s, KFC, Secret Recipe, Madam Kwan, All other restaurants |
Utility Bills | An easier way to deal with your phone, internet and utility
bills. Example of Utility merchants: Astro, Celcom, Maxis, Tenaga Nasional Berhad, All other utilitiy billers |
Groceries | Stock up in bulk and it still wouldn't be a problem. Example
of Grocery merchants: Aeon Supermarket, Cold Storage, Giant, Jaya Grocer, Other hypermarkets or supermarkets |
Online Dining / Groceries | Enjoy Cash Back for spending on Dining & Groceries via
online mode. Example: GrabFood, Food Panda, DeliverEat, Mcdonald’s Delivery, Tesco Online, Other Online Dining & Groceries |
Spend Categories | Credit Card Reward Points Multiplier for every RM 1 spend |
---|---|
Overseas Spend* | 4X* |
Online Spend^ | 3X^ |
Health Spend | 2X |
Insurance Spend | 2X |
Shopping Spend |
2X |
Cinema Entertainment Spend** |
10X** |
Others Spend |
1X |
Note:
* Overseas Spend is meant for foreign currency transactions
performed physically out of Malaysia. Not inclusive of Online,
E-commerce, Mail Order Telephone Order (MOTO) and Recurring Auto
Debit transactions.
^ Online Spend is meant for all Online, e-Commerce and MOTO
transactions in local or foreign currency.
** Cinema Entertainment Spend is meant for any mode of transaction
under MCC-7832.
For the list of Merchant Category Code (MCC) which are eligible for Reward Points, please click here
GOLF CLUBS | BOOKING CONTACT NO. / DETAILS |
---|---|
Sungai Long Golf & Country
Club Selangor, Malaysia |
RHB Customer Care Centre |
Kota Permai Golf & Country Club, Selangor Malaysia
Club Selangor, Malaysia |
- | Your purchase is covered from losses due to non-delivery or incomplete delivery of the goods. This benefit also covers you in case the goods you purchased online arrives with physical damage |
- | Automatically activated when an item is purchased using an eligible Visa card. |
- | Eligible for online purchases made from any merchants globally |
- | Claims and insurance details can be made available online from AIG Cardholder Insurance Portal |
- | Please click here for Terms & Conditions , Claim Forms and FAQs |
The RHB Rewards Motion CodeTM Credit Card has an e-ink mini screen that displays the Dynamic CVV security code which automatically refreshes to a random new code every 4 hours, powered by a battery within the card itself. It replaces the traditional static 3-digit CVV at the back of your card.
This innovative solution offers an advanced safeguarding when making online purchases. With this card, any stolen card information becomes obsolete after a very short period, further securing online transactions and preventing online fraud. This technology will help to combat unauthorised online transactions & stealing of card information online. You may continue to enjoy your online shopping experience with a total peace of mind.
Key Benefits:
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This link is provided for your convenience only, and shall not be considered or construed as an endorsement or verification of such linked website or its contents by RHB Banking Group.
RHB Banking Group also makes no warranties as to the status of this link or information contained in the website you are about to access.