RHB Smart Value MasterCard

Apply for RHB Smart Value MasterCard by RHB

Enjoy up to 5% cash back on groceries, online shopping, petrol, and utlility bills!

RHB Smart Value MasterCard

Product Highlights

Takaful Insurance Coverage

Enjoy Takaful insurance coverage of up to RM100,000 when you charge your plane tickets to your RHB Smartvalue Card!

Contactless Payment Technology

Contactless payment technology allows you to pay instantly just by waving your card over secure contactless terminals in stores!


Cash Back

Cash back
Cash Back Category Cash back Rate Monthly Cap Spend
Petrol,Groceries,Online Purchases,Utilities 1% RM15 from RM500 up to RM1,500 monthly
Petrol,Groceries,Online Purchases,Utilities 2% RM15 from RM1,501 up to RM2,500 monthly
Petrol,Groceries,Online Purchases,Utilities 5% RM15 from RM2,501 and above monthly
Other Retail 0.2% RM15 any amount monthly

Rhb Balance Transfer

Balance transfer
Pay Over With Interest Rate At When You Transfer
12 months 7.30% p.a. and 4% one-time upfront handling fee from RM1000
18 months 8.67% p.a. and 7% one-time upfront handling fee from RM1000
24 months 10.22% p.a. and 10.99% one-time upfront handling fee from RM1000

Fees and Charges

Annual fee RM74.20
Annual Fee for Supplementary Card RM42.40
Mininum monthly payment RM50 or 5% of outstanding amount
Late payment fee RM10 or 1% of outstanding amount, up to maximum of RM100
Cash withdrawal fee RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest rate on cash withdrawals 18%
*inclusive of 6% GST

Interest Rate

15% Interest Rate Per Annum Tier 1: Cardholders with prompt payments for 12 consecutive months
17% Interest Rate Per Annum Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months.
18% Interest Rate Per Annum Tier 3: Cardholders who do not fall under the above categories.


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