Get up to 6.60% p.a. or
20,000 RHB Loyalty Points monthly — just by banking your way.

Maintain a minimum monthly average balance of RM1,000 and earn rewards simply by saving, spending, paying bills or investing with RHB Smart Account/-i. Apply online anytime via RHB Mobile Banking.
RHB Smart Account/-i app screen

How to choose your rewards

  1. 1

    Log in to the RHB Mobile App
  2. 2

    Go to Accounts
  3. 3

    Select RHB Smart Account/-i
  4. 4

    Tap on Go to Rewards
  5. 5

    Select your preferred rewards
  6. 6

    Submit and confirm your
    rewards selection
  7. 7

    Track your progress
It doesn’t get more
flexible than this.

1

Choose your reward:

2

Fulfil the criteria below
to earn up to 6.60% p.a.:
Mandatory Requirement1
Additional Bonus
You Can Earn
What's your
monthly average balance?

Field cannot exceed two decimals value



How much did
you save?




Are you an
RHB Joy@Work
customer?

Credit salary monthly
to keep your
RHB
Joy@Work status active

NO
YES

Here’s your total bonus rates so far: 
Mandatory Requirement1
What's your monthly
average balance?
How much did you save?
Additional Bonus
You Can Earn
Are you an RHB Joy@Work
customer?
Credit salary monthly to keep your RHB
Joy@Work status active
NO
YES
Here’s your total bonus rates so far: 
Keep earning more
Bonus rates!
The higher your
balance, the greater the
bonus.

3

Is your incremental balance more than
RM1,000 for the previous month?
Monthly
Average
Balance
Bonus Rates
<RM10,000 0.30% p.a. 0.50% p.a.2
RM10,000 -
RM 49,999
0.80% p.a. 1.00% p.a.2
RM50,000 -
RM 100,000
1.40% p.a. 1.60% p.a.2

4

Now, perform up to
3 actions below:
Spend
Spend a min. of
RM1,000 with
RHB Debit or
Credit Cards/-i
NO
YES
Pay
Pay at least 3 bills via
RHB Online Banking
with a min. of
RM25 per bill
NO
YES
Convert
Convert a min. of
RM3,000 to foreign
currency or Precious
Metal with RHB Multi
Currency Account/-i
NO
YES
Trade
Trade with a min. of
RM100 brokerage fee
via
RHB Investment Bank
NO
YES
Invest
Invest a min. of
RM10,000 in Unit Trust
NO
YES
Earn bonus for 6 months
upon fulfilment
Home Loan/Financing
Apply for a min.
of RM400,000
RHB Home Loan/
Financing/-i
NO
YES
Earn bonus for 12 months
upon fulfilment
Auto Loan/Financing
Take up a min.
of RM40,000 RHB
Auto
Loan/Financing/-i
NO
YES
Earn bonus for 12 months
upon fulfilment
You’ve boosted your bonus rate
by earning:  
Congratulations!
Here’s your total Bonus
Rate earned:
Total Bonus Amount
earned per month:
Total Bonus Amount
earned per year:
Important Notice & Disclaimer:

The projection shown is indicative and for illustration purposes only, based on the information provided. All projected earnings are estimates derived from the monthly average balance maintained in your RHB Smart Account/-i.

These projections assume a 30-day month and 12-months for annual calculations. Actual returns may vary depending on your account activity, fulfilment of Smart Rewards criteria, and prevailing conditions.

This calculator is not intended to be and should not be construed as an offer, recommendation, solicitation, or financial advice. It is subject to the applicable terms and conditions governing the RHB Smart Account/-i and Smart Rewards programme.

While reasonable care has been taken to ensure the accuracy of the information provided, RHB Bank Berhad/RHB Islamic Bank Berhad makes no representation or warranty, whether express or implied, as to its completeness or accuracy. RHB Bank Berhad/RHB Islamic Bank Berhad shall not be liable for any loss or damage arising from reliance on this information.

2

Fulfil the criteria below to
earn up to 20,000 RHB
Loyalty Points:
Mandatory Requirement1
Maintain a
minimum of
RM1,000 monthly average
balance in
your account

Field cannot exceed two decimals value

Are you an
RHB Joy@Work
customer?
Credit salary monthly
to keep your
RHB
Joy@Work status
active

NO
YES
How much did
you save?2
Bank in every RM250
Field cannot exceed two decimals value
Is your incremental balance more
than
RM500 for the previous month?

(Qualify for 500
RHB
Loyalty Points
for each
milestone
achieved)

(Qualify for 1,000
RHB
Loyalty Points
for each
milestone
achieved)
RHB Loyalty Points earned2

3

Earn RHB Loyalty Points when you
complete any of the actions below3:
Spend
Spend with
RHB Debit or
Credit Cards/-i for
every RM100
Pay
RHB Mobile Banking
App for every RM25
Conversion
Convert to foreign
currency for every
RM250 or Precious
Metal with RHB Multi
Currency Account/-i
Invest
Invest in Unit Trust
for every RM100
Home Loan/Financing
Pay housing loan/
financing instalments
for
every RM100
Auto Loan/Financing
Pay car loan/financing
instalments for
every RM50
You’ve boosted your RHB Loyalty
points by
earning:  
Congratulations!
Here’s your total RHB
Loyalty Points earned4:
Redeem over 8,000 items
with RHB Loyalty Points
— from Enrich Air Miles and
groceries at Jaya Grocer
to coffee from ZUS and more.
1000 Enrich Miles
(All except Premier Visa Infinite)

24,100 RHB Loyalty Points
Jaya Grocer RM100 Gift Card


59,950 RHB Loyalty Points
Zus Coffee E-Giftcard


28,325 RHB Loyalty Points
Start redeeming exciting rewards with
your RHB Loyalty Points!
Benefits of RHB Smart Account/-i.



Higher Interest/Profit Rate

Higher Bonus Rate

Enjoy bonus rates of up to 6.60% p.a. Simply deposit a minimum of RM2,000, then sign up for Joy@Work, pay bills, spend, convert, trade, finance or invest.

Attractive Loyalty Points

Attractive Loyalty Points

Treat yourself up to 20,000 points
monthly just by banking with your
RHB Smart Account/-i.

Online Account Opening

Online Account Opening

Easily open your account
anywhere, anytime without
having to visit the branch.

Joy@Work Bonus for Salaried Customers

Joy@Work Bonus for
Salaried Customers

Sign up for Joy@Work to unlock additional perks, including an exclusive 1.00% p.a. bonus rate on your Smart Account/-i.

RHB Online Banking

RHB Online Banking

Enjoy a world of banking features
and solutions anytime, anywhere
such as managing your finances,
paying bills, transfer funds and more.

An Account for Everyone

An Account for Everyone

Get rewarded through different
bonus pillars tailored to your
lifestyle and banking habits.





Start growing your savings, today.


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