Min. Monthly Income
- Up to 5% cashback for petrol, groceries, online shopping and utilities
- Up to 0.2% cashback for other spending
- Travel insurance coverage of up to RM100,000
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Smart Value for You
The RHB Smart Value Card provides you cash back for you daily spending. You can get 5% cash back on your petrol, groceries, online shopping and utilities if your total monthly spending exceeds RM2,501. If your monthly spending is between RM1,501 and RM2,500, you will get 2% cash back for these categories and if your monthly spending is between RM500 to RM1,500, you can get 1% cash back. Besides that, you can get 0.2% cash back for other expenditure with a minimum total monthly spending of RM500.
Fees and Charges
Annual for the first year is waived and for subsequent years, the annual fee (inclusive of Goods and Services Tax) for principal card holders is RM74.20 and for supplementary card holder is RM42.40. If you do not make your payment on time, you will incur a late payment fee of RM10 or 1% of outstanding amount, up to a maximum fee of RM100. You can make a minimum monthly payment of RM50 or 5% of your outstanding amount if you are unable to make full payment of your outstanding balance. For cash withdrawal, you can withdraw up to RM5,000 and a fee of 5% of withdrawn amount or RM15 will be charged as cash withdrawal fee. Interest rate for cash withdrawal is 18% per annum. If you make your payment for RHB Smart Value Credit Card for 12 consecutive months, you can get an interest of 15% per annum. If you have made payment for 10 out of 12 months, you will get an interest of 17% per annum and you will get 18% per annum if both criteria were not fulfilled.
Are You Eligible For RHB Smart Value Credit Card?
To be a principal card holder for RHB Smart Value Credit Card, you need to be at least 21 years old and earn a minimum monthly income of RM2,000. You need to be at least 18 years old to be a supplementary card holder.
Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as RHB Platinum Credit Card and Standard Chartered WorldMiles Card, which may match your requirements.
If you prefer to broaden your credit card search, review more RHB credit cards and start comparing today!