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RHB Smart Value Credit Card

RHB Smart Value Credit Card

 

  • Up to 5% cash back from a variety of essential purchases
  • Travel insurance / takaful coverage
  • Petrol Cashback: Up to 5% cashback
  • Groceries Cashback: Up to 5% cashback
  • Up to 5% cashback for online and utilities spend, unlimited 0.2% cashback for other spend
Minimum Monthly Income
Minimum Monthly Income

RM 2

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

1.99% for 9 months

Annual Fee
Annual Fee

RM 70.00

Credit Card's Promotion

CARD BENEFITS CASH BACK CREDIT CARD BENEFITS
Cashback

Discover how much you can save when you shop with your new RHB Smart Value Credit Card

  Cashback Category
Spend from Petrol  Grocery Online Utilities Others
RM500 - RM1,500 1% 1% 1% 1% 0.2%
RM1,501 - RM2,500 2% 2% 2% 2% 0.2%
RM2,501 & Above 5% 5% 5% 5% 0.2%
Capping Rate (RM) 10 10 10 10 Unlimited
Balance Transfer

Transfer your outstanding balance from other cards via RHB Smart Move Balance Transfer plan today!

Tenure (Month) 12 18 24

9

(Promotion)

15

(Promotion)

Minimum Balance Transfer Amount (RM) 1,000 1,000 1,000 3,000 3,000
Interest Rate (One Time Charge) 4% 7% 10% 1.99% 4%
One Time Interest Charge (RM) 40 70 100 59.70 120
Monthly Repayment (RM) 86.66 59.44 45.83 339.97 208
Travel

TRAVEL INSURANCE / TAKAFUL COVERAGE

  • Travel insurance up to RM100,000
Low Interest
Tiering Interest Rate (per month) Interest Rate (per annum) Duration
Tier 1

1.25%

15%

for prompt repayment of 12/12 months

Tier 2

1.42% 17% for prompt repayment of 10/12 months
Tier 3 1.50% 18% for prompt repayment less than 10/12 months and new cardmembers

 

FEES & CHARGES
Annual fee RM 70.00
Annual fee for suplementary card RM 0.00
Annual fee condition for supplementary card Waived for life
Minimum monthly payment 5% of outstanding balance or a minimum of RM50, whichever is higher
Late payment interest 1% of the unpaid outstanding balance or a minimum of RM10, whichever is greater, up to a maximum of RM100
Finance charge interest rate per month 1.25%
Finance charge interest rate per year 15%
Cash withdrawal 5% of the transaction amount or a minimum of RM15, whichever is higher
Cash withdrawal interest rate 18% per annum calculated on a daily basis
Balance transfer interest rate 1.99% for 9 months
Balance transfer max valid duration Up to 24 months
Balance transfer early settlement penalty NA

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