Elevate your lifestyle with the RHB Rewards MasterCard Credit Card, a credit card that rewards you with up to 10X for your lifestyle spending.

Apply for RHB Rewards MasterCard Credit Card and Get Up to 10X Reward Points

Always feel restricted by your credit card's limited reward points? Don't worry, with RHB Rewards MasterCard Credit Card, you can guarantee to receive up to 10X Reward Points for every RM1 spent on the categories below:

• 10X Reward Points on movie ticket purchases
• 4X Reward Points on overseas transactions (transactions performed physically out of Malaysia)
• 3X Reward Points on online transactions
• 2X Reward Points on health and insurance-related transactions
• 2X Reward Points on retail shopping transactions
• 1X Reward Points on other retail

With unlimited reward points to earn, you can now enjoy the freedom to maximise your Reward Points by redeeming your favourite products, vouchers, frequent flyer miles and annual fee waiver.

Annual Fee Waiver

For the first year, the RHB Rewards MasterCard Credit Card is free of charge. 

In subsequent years, the annual fee is RM200 but will be waived when you spend a minimum of RM10,000 on your Rewards Credit Card.

Remember that the Sales and Service Tax of RM25 will be charged upon the anniversary date of your credit card. 

The annual fee is waived for supplementary cardholders.

Enjoy a Flexible Line of Credits

There are a slew of benefits to a credit card when you use it efficiently. After all, it is made to extend your credit when you require it, whether to pay for your personal needs or daily expenses. 

RHB Rewards MasterCard Credit Card offers you:

• Smart Move Balance Transfer to consolidate all your credit card outstanding debts from other financial institution
• Smart Instalment to convert your purchase into affordable monthly payments
• CashXcess gives you some cash relief that can be paid over an instalment at a low rate

0% interest RHB Smart Move Balance Transfer Campaign

Looking to lessen your credit card debts? If you are a Principal or Primary cardholder of other banks’ credit card(s) issued in Malaysia, take this chance to transfer your outstanding balances to a new RHB credit card/-i at ZERO interest!

Valid until 31 December 2025 (“Campaign Period”), you can enjoy from 0% p.a. up to 6.88% p.a. with a minimum transfer amount of RM1,000 while the maximum amount is subject to the criteria set by the bank.

However, RHB Supplementary cards, RHB Business Credit Card, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i are not eligible for this balance transfer offer.

If you are keen, check out the RHB Smart Move Balance Transfer page for more details!

Otherwise, you can apply directly by visiting any RHB branch or calling the RHB Customer Contact Centre at 03 9206 8118.

RHB Dial-An-Instalment Campaign

An instalment plan can help you have a better cash flow if you wish to buy a big-ticket item. It’s even better if the plan has ZERO rate and you can do so with the RHB Dial-An-Instalment, subject to the campaign’s terms and conditions.

This campaign ends on 31 December 2025, so grab this chance to enjoy as low as 0% one-time upfront rates and stretch your payments for up to 24 months with a minimum transaction amount of RM500. No maximum purchase amount limit is applicable. Refer to the below table for your easy reference.

• For new RHB credit card/-i holders: (T&Cs)

Tenure	Minimum Transaction Amount	One-time Upfront Rate/Actual Management Fee	Effective Rate
12 months	RM500	0%	0%

• For existing RHB credit card/-i holders: (T&Cs)

Tenure	Minimum Transaction Amount	One-time Upfront Rate/Actual Management Fee	Effective Rate
6 months	RM500	2.50%	8.25%
12 months	RM1,000	5%	9.10%
18 months	RM1,000	7%	8.67%
24 months	RM1,000	9%	8.41%

The cards that are not eligible include RHB Business Credit Cards, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i.

If you are keen, make an application by giving a call to the RHB Customer Contact Centre at 03 9206 8118 to take part!

RHB CashXcess Campaign

From 1 January 2025 until 31 December 2025, you can enjoy as low as 4.88% interest per annum when you withdraw from your Principal RHB credit card via the RHB CashXcess plan, subject to the campaign’s terms and conditions.

Referring to the T&C, the minimum withdrawal is set at RM1,000 while the maximum amount is set up to 80% of your available RHB Credit Card/-i credit limit. Only the Principal cardholder(s) is eligible to participate in this campaign.

The cards that are not eligible to participate include the RHB Supplementary Cards, RHB Business Credit Card, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i.

If you are keen, make an application through RHB Online Banking to take part. Do ensure that your credit limit is sufficient before you apply!

Once your CashXcess application has been approved, the said amount will be debited accordingly to your RHB Credit Card/-i account.