RHB Joy@Work

RHB Joy@Work

Switch your salary account to RHB and enjoy a host of great privileges and benefits.

Highlights

Grow Your Savings

  • Awesome returns of up to 2.85% p.a. on the salary account1
  • Enjoy exclusive conversion rates with a Multi Currency Account/-i and annual fee waiver on the Multi Currency Account VISA Debit Card/-i2
  • Additional 0.10% p.a. on top of the RHB board rate for a tenure of 1 to 12 months.
  • Attractive returns of 1.75% p.a. with no maximum placement for RHB Junior Savings Account / RHB Children Account-i3

Build your wealth

  • Exclusive RHB Premier privileges with a minimum gross salary of RM20,0004
  • Exclusive wealth management solutions by a dedicated Relationship Manager, special offers for Private Retirement Scheme (PRS) and Unit Trusts5
  • Discounted packages/rebates for Will/Wasiat Writing, Life Insurance Plans6 and much more

Finance your assets

  • Annual fee waiver on Credit Card/-i7 and Debit Card/-i8
  • 0% interest/actual management fee on RHB CashXcess for new RHB Credit Card/-i cardholders9
  • Interest rate/actual management fee as low as 13.50% p.a. on Credit Card/-i outstanding balance10
  • Attractive rates on Personal, Home, Vehicle and ASNB Financing
  • Protection and rewards with General Insurance6

Enjoy Other Privileges

  • Seamless online account opening that enables faster processing
  • Priority processing and approval for any application
  • 24/7 online banking services with over 1,800 self-service terminals

Grow Your Savings

  • Awesome returns of up to 2.85% p.a. on the salary account1
  • Enjoy exclusive conversion rates with a Multi Currency Account/-i and annual fee waiver on the Multi Currency Account VISA Debit Card/-i2
  • Additional 0.10% p.a. on top of the RHB board rate for a tenure of 1 to 12 months.
  • Attractive returns of 1.75% p.a. with no maximum placement for RHB Junior Savings Account / RHB Children Account-i3

Build your wealth

  • Exclusive RHB Premier privileges with a minimum gross salary of RM20,0004
  • Exclusive wealth management solutions by a dedicated Relationship Manager, special offers for Private Retirement Scheme (PRS) and Unit Trusts5
  • Discounted packages/rebates for Will/Wasiat Writing, Life Insurance Plans6 and much more

Finance your assets

  • Annual fee waiver on Credit Card/-i7 and Debit Card/-i8
  • 0% interest/actual management fee on RHB CashXcess for new RHB Credit Card/-i cardholders9
  • Interest rate/actual management fee as low as 13.50% p.a. on Credit Card/-i outstanding balance10
  • Attractive rates on Personal, Home, Vehicle and ASNB Financing
  • Protection and rewards with General Insurance6

Enjoy Other Privileges

  • Seamless online account opening that enables faster processing
  • Priority processing and approval for any application
  • 24/7 online banking services with over 1,800 self-service terminals
Terms and conditions apply.
1Based on transactions performed.
2The annual fee waiver for RHB Multi Currency VISA Debit Card/-i is subject to a minimum of 6 retail transactions in a year.
3Personal Banking Standard Terms & Conditions apply. 1-month Term Deposit rates with no maximum placement is only eligible for RHB Premier Customers with children aged below 18 years old who open account for RHB Junior Savings Account and/or RHB Children Account-i. Initial deposit for RHB Junior Savings Account is RM1 and initial deposit for RHB Children Account-i is RM20. Returns is as high as 1-month Term Deposit board rate. RHB Junior Savings account interest is calculated daily and credited half-yearly and RHB Children Account-i profit is calculated daily and credited monthly.
4Waiver of Asset Under Management (“AUM”) requirement for the 1st year and fulfill RHB Premier requirements in the 2nd year to maintain their accounts as RHB Premier Joy@Work customers.
5Unit Trust and Private Retirement Scheme offers are only valid for one time subscription only for each RHB Joy@Work Premier customer. Unit Trust Offer applies to all UT funds except for Closed-Ended funds. For full Terms & Conditions, visit here.
6The information contained herein are strictly meant to be as general information and reference for the campaign promotion only. It does not constitute as a contract of insurance. For further details on the benefits, exclusion and terms and conditions of the product, please refer to the Product Brochure, Sales Illustration, Product Disclosure Sheet (PDS) and policy contract. The proposer should also ensure that the plan selected satisfies and best serves his/her needs and its premium payable is an amount within his/her affordability.
7The annual fee waiver for RHB Visa Infinite Credit Card, RHB Visa Signature Credit Card and RHB World MasterCard Credit Card/-i will be waived for first 3 years while other credit cards/-i is subject to a minimum of 12x swipes in a year.
8Debit cards/-i annual fee waiver is subject to minimum of 6 retail transactions in a year.
9Applicable for new RHB Credit Card/-i cardholders only. Offer is valid from 1 January 2022 – 30 June 2022. For full Terms & Conditions, visit here.
10Applicable for the first 5 years only upon Credit Card/-i approved.

Eligibility

Any individual who is not an employee of a company that has signed up for RHB Joy@Work or RHB Reflex facility.

Any individual who holds one CASA-i
account with RHB as their payroll account

(except Qard CASA-i product)

Any Private and NGO employees:

minimum RM2,500 deposit each month.

Any Government employees:

minimum RM2,000 deposit each month

Any individual who is an employee of a company that has signed up for RHB Joy@Work or RHB Reflex facility.

How to enrol for RHB Joy@Work

Step 1

Walk into any of your preferred RHB branches. Take one of the following documents with you:

  • Latest monthly salary slip
  • Employment letter

  • Step 2

    Open any participating account, collect your debit card, and register for RHB Online Banking.


    Step 3

    Fill in and submit the Letter to Employer to your HR personnel to switch your salary account to RHB.


    Step 1

    Walk into any of your preferred RHB branches. Take one of the following documents with you:

  • Latest monthly salary slip
  • Employment letter

  • Step 2

    Open any participating account, collect your debit card, and register for RHB Online Banking.


    Step 3

    Fill in and submit the Letter to Employer to your HR personnel to switch your salary account to RHB.


    Step 1

    Click here to apply for your Joy@Work online.


    Step 2

    Walk into any of your preferred RHB branches to activate your account, collect your debit card, and register for RHB Online Banking. Take one of the following documents with you:

  • Latest one month’s salary slip
  • Employment letter

  • Note: For Klang Valley customers, you can make arrangements with the RHB Officer to deliver the debit card and activate your account at your doorstep.

    Step 3

    Download and submit the Letter to Employer to your HR personnel to switch your salary account to RHB.


    Step 1

    Click here to apply for your Joy@Work online.


    Step 2

    Walk into any of your preferred RHB branches to activate your account, collect your debit card, and register for RHB Online Banking. Take one of the following documents with you:

  • Latest one month’s salary slip
  • Employment letter

  • Note: For Klang Valley customers, you can make arrangements with the RHB Officer to deliver the debit card and activate your account at your doorstep. Click here for more information.

    Step 3

    Download and submit the Letter to Employer to your HR personnel to switch your salary account to RHB.


    For existing RHB customers:
    Who have already opened any of the participating accounts, just drop your leads here and our sales personnel will contact you soon to onboard virtually or you may walk in to any of your preferred RHB branches, nominate your account as Joy@Work and submit the Letter to Employer to your Human Resources personnel to switch your salary account to RHB.

    Note: Please refer to Terms and Conditions for the list of participating accounts.

    Service Charges

    Protected by PIDM

    Up to RM250,000 for each depositor.

    Enrolment Letter
    RHB Joy@Work
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