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RHB Kad Kredit Smart Value

Dapatkan sehingga 10% pulangan tunai untuk perbelanjaan runcit seperti petrol, makanan dan barangan runcit TANPA yuran tahunan untuk tahun pertama anda.

  • icon Gaji Minimum Bulanan
    Gaji Minimum Bulanan
    RM 2000
  • icon Kadar Faedah
    Kadar Faedah
    15% p.a.
  • icon Pulangan Tunai
    Pulangan Tunai
    Sehingga 10%
  • icon Yuran Tahunan
    Yuran Tahunan
    RM 70

Ciri Utama

  • Pulangan tunai 10% (untuk semua makanan dalam talian & runcit (penghantaran)
  • Pulangan Tunai 5% untuk Petrol, Makan, Utiliti, Barangan Runcit
  • Pulangan tunai 0.2% untuk semua perbelanjaan runcit lain

  • icon dining Makan

    • Pulangan tunai 10% (untuk semua makanan dalam talian & runcit (penghantaran) jika jumlah perbelanjaan bulanan adalah RM2,501 ke atas)
    • Pulangan tunai 2% (untuk semua makanan dalam talian & runcit (penghantaran) jika jumlah perbelanjaan bulanan antara RM1,501 hingga RM2,500)
    • Pulangan tunai 1% (untuk semua makanan dalam talian & runcit (penghantaran) jika jumlah perbelanjaan bulanan antara RM500 hingga RM1,500)

  • icon petrol Petrol

    • Pulangan tunai 5% (di semua stesen minyak jika jumlah perbelanjaan bulanan adalah RM2,501 ke atas)
    • Pulangan tunai 2% (di semua stesen minyak jika jumlah perbelanjaan bulanan antara RM1,501 hingga RM2,500)
    • Pulangan tunai 1% (di semua stesen minyak ika jumlah perbelanjaan bulanan antara RM500 hingga RM1,500)

  • icon utilities Utiliti

    • Pulangan tunai 5% (untuk semua utiliti jika jumlah perbelanjaan bulanan adalah RM2,501 ke atas)
    • Pulangan tunai 2% (untuk semua utiliti jika jumlah perbelanjaan bulanan antara RM1,501 hingga RM2,500)
    • Pulangan tunai 1% (untuk semua utiliti jika jumlah perbelanjaan bulanan antara RM500 hingga RM1,500)

  • icon groceries Barangan Runcit

    • Pulangan tunai 5% (untuk semua barangan runcit jika jumlah perbelanjaan bulanan adalah RM2,501 ke atas)
    • Pulangan tunai 2% (untuk semua barangan runcit jika jumlah perbelanjaan bulanan antara RM1,501 hingga RM2,500)
    • Pulangan tunai 1% (untuk semua barangan runcit jika jumlah perbelanjaan bulanan antara RM500 hingga RM1,500)

  • icon shopping Beli-Belah

    Pulangan tunai 0.2% (untuk semua perbelanjaan runcit lain)

icon tag Other Features

  • Pengecualian Pulangan Tunai: Tiada Pulangan Tunai untuk Pendahuluan Tunai, Pindahan Baki, Kuasi Tunai, Amal, urus niaga agensi Kerajaan
  • Pindahan Baki: 0% setahun untuk tempoh 12 bulan; bayaran pendahuluan sekali sebanyak 4% daripada jumlah pindahan yang dikenakan
  • Pelan Ansuran: Pelan Pembayaran Ansuran faedah 0% untuk semua peniaga yang mengambil bahagian
  • Had Cashback: Rebat tunai 10% untuk penghantaran makanan dan runcit dalam talian, rebat tunai 5% untuk petrol, makan, utiliti dan runcit, dengan perbelanjaan bulanan RM2,500 dan ke atas, terhad pada RM10 setiap kategori sebulan. Rebat tunai tanpa had 0.2% untuk perbelanjaan runcit lain.

icon shopping Card Information

Gaji Minimum Bulanan RM 2000
Min. age for principal holder 21
Fee for principal holder RM 70
Min. age for supplementary holder 18 dan ke atas tahun
Fee for supplementary holder Percuma
Late payment charge RM10 atau 1% dari baki tertunggak (mana-mana yang lebih tinggi), caj maksimum sehingga RM100
Cash advance amount RM5,000 sehari
Cash advance charge RM15 atau 5% dari jumlah pendahuluan tunai (mana-mana yang lebih tinggi)
Cash advance interest charge 18% setahun dari jumlah pendahuluan tunai
Rewards points expiry N/A

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Product Review by

RHB CASH BACK CARD

The RHB Cash back card provides you cash back for you daily spending. You can get up to 10% cash back on your online Dining & Grocery (Delivery) and cash back up to 5% on petrol, utilities and dining,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 retail spending 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 Sales 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 Cash Back 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 Cash Back Credit Card?

To be a principal card holder for RHB Cash Back 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 Rewards 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!