SOGO-RHB Credit Card by RHB

Product Highlights

20 Days Interest-Free Period

Get 20 days interest free from your statement date if you pay the balance in full and on time!

SOGO Reward Points

Earn up to 1x SOGO reward points and redeem exclusive merchandise!

5% Cash Back

Enjoy up to 5% cash back when you shop in SOGO KL Department Store & Supermarket!

Features

Cash Back

Cash Back Category	Cash Back Rate	Monthly Cap	Spend
SOGO KL Department Store & Supermarket	5%	RM 50	RM 500 and below monthly
SOGO KL Department Store & Supermarket	3%	RM 50	RM 501 to RM 1,000 monthly
SOGO KL Department Store & Supermarket	1%	RM 50	RM 1,000 and above monthly

Rewards

Earn	Spent In
1x SOGO Reward Points Per RM 1	SOGO storewide
1x SOGO Reward Points Per RM 2	SOGO supermarket and elsewhere

SOGO reward points will expire in 2 years

Balance Transfer

Balance transfer

Pay Over	With Interest Rate At	When You Transfer
12 Months	4.00% p.a. with no one-time upfront handling fee	From RM 1,000
18 Months	7.00% p.a. with no one-time upfront handling fee	From RM 1,000
24 Months	10.99% p.a. with no one-time upfront handling fee	From RM 1,000

Rhb Dial An Instalment

Pay Over	With Interest Rate At	When You Spend
6 Months	0% p.a. with 2.5% one-time upfront handling fee	From RM 500
12 Months	0% p.a. with 5.0% one-time upfront handling fee	From RM 1,000
18 Months	0% p.a. with 7.0% one-time upfront handling fee	From RM 1,000
24 Months	0% p.a. with 9.0% one-time upfront handling fee	From RM 2,000

Rhb Smart Instalment

Pay Over	With Interest Rate At	When You Spend
6 Months	0% p.a. with no one-time upfront handling fee	From RM 1,000
9 Months	0% p.a. with no one-time upfront handling fee	From RM 1,000
12 Months	0% p.a. with no one-time upfront handling fee	From RM 1,000
24 Months	0% p.a. with no one-time upfront handling fee	From RM 1,000

Only applicable for participating merchants

Fees and Charges

Annual Fee For Primary Card	RM 88
Annual Fee For Supplementary Card	Free
Mininum Monthly Payment	RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee	RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100
Cash Withdrawal Fee	RM 15 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals	18% p.a.

Interest Rate

15% Per Annum	Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months
17% Per Annum	Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle
18% Per Annum	Tier 3: Cardmembers who do not fall within the above categories

Requirements

Minimum Annual Income	RM 24,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Anyone