Watch your wealth grow with every step.
Enjoy returns of up to 6.85% p.a. with RHB Smart Account/-i.
Simply maintain a minimum of RM1,000, then save, sign up for Joy@Work,
pay bills, spend, convert, trade, or invest.
Skip the queue and apply online via RHB Mobile Banking today!
Simply maintain a minimum of RM1,000, then save, sign up for Joy@Work,
pay bills, spend, convert, trade, or invest.
Skip the queue and apply online via RHB Mobile Banking today!
Campaign Period:
1 February 2025 – 31 December 2025
1 February 2025 – 31 December 2025
Here’s how you can maximise your monthly returns.
Fulfil criteria below to earn up to 6.85% p.a.
|
Monthly Average Balances |
<RM10,000 | |
|---|---|---|
|
Level 1
|
Mandatory
requirements*
Base
Rates
0.05% p.a.
Maintain a minimum
account balance of RM1,000 
|
0.05% p.a.
|
|
|
1.00% p.a.
|
|
|
Additional Bonus
|
|
1.00% p.a.
|
|
Level 2
|
Meet up to a maximum of
3 pillars from the below: 
|
Up to 0.50% p.a.** per pillar achieved |
Pay at least 3 bills
via
Learn
More
RHB Online Banking or RHB Mobile Banking App with a minimum of RM25 OR
|
||
|
||
|
||
|
* Mandatory requirements to unlock other bonus payouts and
qualify for Level 2. ** Applicable to customers who increase their Monthly Average Balances by more than RM1,000 compared to the previous month to qualify for an additional 0.20% p.a. Bonus Breakdown• Level 1: Earn up to 2.05% p.a. • Level 2: Maximum bonus of 4.80% p.a. (Achieved by meeting all 3 pillars) • Additional Bonus: Maximum Bonus of 1.00% p.a. • Total Maximum Bonus: Up to 6.85% p.a. (Level 1 + Level 2 + Additional Bonus) |
||
| RM10,000 - RM49,999.99 | RM50,000 - RM100,000 |
Maximum Rates |
|---|---|---|
|
0.05% p.a.
|
||
|
1.00% p.a.
|
||
|
1.00% p.a.
|
||
|
Up to 1.00% p.a.** per pillar achieved |
Up to 1.60% p.a.** per pillar achieved |
Up to
4.80% p.a. 
6.85% p.a.
|
|
* Mandatory requirements to unlock other bonus payouts and
qualify for Level 2. ** Applicable to customers who increase their Monthly Average Balances by more than RM1,000 compared to the previous month to qualify for an additional 0.20% p.a. Bonus Breakdown• Level 1: Earn up to 2.05% p.a. • Level 2: Maximum bonus of 4.80% p.a. (Achieved by meeting all 3 pillars) • Total Maximum Bonus: Up to 6.85% p.a. (Level 1 + Level 2) |
||
Boost your wealth further.
Achieve your financial goals with our wealth creation solutions.
Enjoy bonus rate of 1% when you invest in selected RHB Investment products2
with a minimum net investment of RM1,000 per month.3
Enjoy bonus rate of 1% when you invest in selected RHB Investment products2
with a minimum net investment of RM1,000 per month.3
Benefits of RHB Smart Account/-i.
Higher Bonus Rate
Enjoy bonus rates of up to 6.85% p.a. Simply deposit a minimum of RM2,000, then sign up for Joy@Work, pay bills, spend, convert, trade, or invest.
RHB Online Banking
Enjoy a world of banking features
and solutions anytime,
anywhere
such as managing your finances,
paying bills, transfer funds and more.
Bonus Interest/Profit
The more you transact with RHB Smart Account/-i, the higher your bonus rate grows.
RHB Debit Card/-i
Go cashless and enjoy exclusive benefits with RHB Debit Card/-i.
Online Account Opening
Easily open your account
anywhere, anytime without
having to visit the branch.
e-Statements
Receive complimentary
e-statements.
RHB Smart Account/-i Calculator
Want to know how much bonus rate you can earn? Use our calculator to find out.
Base Rates %
Monthly Average Balance
Minimum RM1,000
Features
Bonus Rates %
Deposit a minimum
of RM2,000 monthly1
Maintain
Joy@Work
status as active
Spend a minimum of
RM1,000 with RHB Cards/-i
Pay at least 3 bills via RHB Online Banking
or RHB
Mobile Banking App with a
minimum of RM25
Convert a minimum of
RM3,000 to foreign currency
Trade with a minimum
of RM100 brokerage fee
via RHB Investment Bank
Total Bonus Rates*
*maximum at 4.80%
p.a.
Total Interest/Profit earned
Invest in selected
RHB Investment products2
