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    RHB Grocery Credit Cards

    RHB Malaysia offers a wide variety of credit cards that provide benefits and privileges on categories including shopping, petrol, and dining. If you are looking to save money on your grocery expenses, a grocery card would be ideal for you. Let us find out more about the RBH credit cards that offer you benefits on your grocery shopping.

    RHB Smart Value Credit Card

    Grocery Benefits Minimum Spend Requirement Monthly Cap
    Up to 5% cashback on groceries RM500 RM10

    Features and Benefits

    • You can earn up to 5% cashback on your expenses for groceries along with utility bills, petrol, and online purchases.
    • On monthly spend between RM500 and RM1,500 on groceries, you will get 1% cashback.
    • On monthly spend between RM1,501 and RM2,500 on groceries, you will get 2% cashback.
    • On monthly spend above RM2,501 on groceries, you will get 5% cashback.
    • You can obtain this credit card in 10 minutes via Instant Credit Card Service.
    • Enjoy a complimentary travel insurance cover of up to RM100,000 when you charge your full airfare to the card.

    How Does the Card Work

    Let Us Illustrate:

    Consider that you have spent RM1,600 on grocery shopping in a month, this is how your cashback will be counted:

    Factors Amount
    Total Monthly Spend on Groceries RM1,600
    Cashback Criterion Up to 5% cashback depending on the amount spent

    Spend Category Spent Amount Applicable Cashback Rate Cashback Earned
    Grocery Purchases RM1,600 2% (for purchases between RM1,501 and RM2,500) RM10 (as per the applicable cap)

    SOGO-RHB Credit Card

    Grocery Benefits Minimum Spend Requirement Monthly Cap
    SOGO-RHB Credit Card
    • Up to 5% cashback on groceries
    • SOGO Reward Points

    (applicable only on purchases made at SOGO KL Department Store and Supermarket)

    RM500 RM50

    Features and Benefits

    • Enjoy cashback as well as reward points on this credit card.
    • Get a cashback of up to 5% when you use the card at SOGO KL Department Store and Supermarket.
    • Earn 1 SOGO Reward Point on each RM1 spent at SOGO Stores.
    • Earn 1 SOGO Reward Point on every RM2 spent at SOGO Supermarket and elsewhere.
    • Redeem your earned reward points for exclusive merchandises and vouchers.
    • Access various features of your card, such as Smart Pay, Smart Move, Smart Instalment, and CashXcess to manage your finances in a better way.

    How Does the Card Work

    Let Us Illustrate:

    Let us consider that you have spent RM550 in a month on your grocery purchases at SOGO KL Department Store. Explained below is the amount of cashback and SOGO Reward Points you can earn.

    Factors Amount
    Total Monthly Spend on Groceries RM550
    Cashback Criterion Up to 5% cashback depending on the amount spent (capped at RM50 per month)
    SOGO Reward Points Criterion 1 SOGO Reward Point for every RM1 spent

    Spend Category Spent Amount Applicable Cashback Rate Cashback Earned Reward Points Earned
    Grocery Purchases RM550 3% (for purchases between RM501 and RM1,000) RM16.5 550

    Fees and Charges

    Factors Charges
    Annual Fee
    • RHB Smart Value Credit Card
    Principal card: RM70 Supplementary card: Waived
    • SOGO-RHB Credit Card
    Principal Card: RM88 Supplementary Card: Waived
    Retail Interest Rate 15% p.a. to 18% p.a.
    Cash Withdrawal Fee Whichever is higher between 5% of the amount withdrawn and RM15
    Cash Advance Interest Rate 18% p.a. of the unsettled amount
    Late Payment Fee Whichever is higher between 1% of the total unsettled balance and RM10 (up to a maximum of RM100)
    Minimum Monthly Payment Whichever is higher between 5% of the unsettled balance and RM50

    Eligibility Criteria

    Factors RHB Smart Value Credit Card SOGO-RHB Credit Card
    Age Criteria For principal card: Minimum age: 21 years For supplementary card: Minimum age: 18 years For principal card: Minimum age: 21 years For supplementary card: Minimum age: 18 years
    Income Criteria Minimum RM24,000 p.a. Minimum RM24,000 p.a.

    Required Documents

    Factors Documents
    For Salaried Applicants
    • A copy of MyKad or passport
    • Latest salary slip (for 1 month)
    • Latest EPF statement
    • Latest pension letter (if applicable)
    • Valid work permit (for applicants employed outside Malaysia)
    For Self-Employed Applicants
    • A copy of MyKad or passport
    • Latest bank statement (for 6 months)
    • Copy of the M&A or Constitution (for limited company) or latest income tax payment receipt
    • Latest notice of assessment and tax payment receipt (for Singaporean applicants)
    • Copy of certificate of incorporation of private company (earlier known as Form 9), return of allotment of shares (earlier known as Form 24) and return giving particulars in register of directors, managers and secretaries and changes of particulars (earlier known as Form 49)
    For Commission Earners
    • A copy of MyKad or passport
    • Latest commission slips (for 6 months)
    • Latest EPF statement
    • Copy of the M&A or Constitution (for limited company) or latest income tax payment receipt

    How to Apply

    Mode Process
    Online Application
    • Visit the official website of RHB Malaysia.
    • Click on your chosen product.
    • Click on ‘Apply Now’ tab.
    • Fill in all the required information.
    • Attach all supporting documents.
    • Submit your application.
    OR
    • Download the application form from the official website of the bank.
    • Fill in all the required details.
    • Attach all mandatory documents to it.
    • Send the form and documents to the following address:
    Rhb Bank Berhad Cards and Unsecured Credit Processing Department Level 4, No. 75, Jalan Tun H. S. Lee, 50000, Kuala Lumpur.
    Offline Application
    • Visit any nearest branch of RHB.
    • Collect a credit card application form.
    • Fill in all essential details.
    • Attach all supporting documents to the application form.
    • Submit the form to a bank official.

    You can choose any suitable credit card from the above listed cards if you want to earn benefits on your grocery purchases. Also check out other benefits that are offered on the card apart from cashback and reward points on your grocery related transactions. Utilise the card smartly to benefit more from it.

    RHB Smart Value Credit Card

    RHB Smart Value Credit Card RHB Smart Value Credit Card
    Annual Fee: S$180 Who Is It For: Who need spend flexibility What You Get: Purchase & travel protection
    Show Me Details

    Credit Card Benefits

    • On monthly spend above RM2,501 on groceries, you will get 5% cashback.
    • You can obtain this credit card in 10 minutes via Instant Credit Card Service.
    • Enjoy a complimentary travel insurance cover of up to RM100,000 when you charge your full airfare to the card.

    RHB SOGO-RHB Credit Card

    RHB SOGO-RHB Credit Card RHB SOGO-RHB Credit Card
    Annual Fee: S$180 Who Is It For: Who need spend flexibility What You Get: Purchase & travel protection
    Show Me Details

    Credit Card Benefits

    • Earn 1 SOGO Reward Point on each RM1 spent at SOGO Stores.
    • Earn 1 SOGO Reward Point on every RM2 spent at SOGO Supermarket and elsewhere.
    • Redeem your earned reward points for exclusive merchandises and vouchers.
    • Access various features of your card, such as Smart Pay, Smart Move, Smart Instalment, and CashXcess to manage your finances in a better way.

    RHB Card Promotions

    RHB Cards offer excellent promotional deals on dining, shopping, health and wellness, travel, and many other categories. Check out the latest offers here.

    Find More

    RHB Card Hotline

    RHB Card maintains a designated hotline for most of its cards. Call these numbers if you want to block or unblock the cards, need overseas assistance or any other card-related help.

    Find More

    What Else Do I Need to Know?

    What is the credit limit offered on the RHB Grocery Credit Cards?

    Both RHB Smart Value Credit Card and SOGO-RHB Credit Card come with a minimum credit limit of RM4,000.

    Where can I get any additional information about the cards?

    You can contact the customer service department via telephone:

    Call on 03-9206 8118 (for Peninsular Malaysia) or 082-276 118 (for Sabah and Sarawak regions). You can also write an email to [email protected] regarding any queries about the product.

    Is there any early exit fee for settlement of plans like Balance Transfer, CashXcess, Dial-An-Instalment?

    You do not have to pay any exit penalty if you want to make an early settlement for these plans.

    Can I turn off the contactless function on my credit card?

    Yes, you can visit any nearest branch of the bank or you can contact the customer care centre to apply for the suspension of the contactless feature on your credit card.

    Is there any interest-free period offered on the card?

    You can get an interest-free period of 20 days from the date of receiving the statement, on all your retail transactions made using the card.

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