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  • RHB Smart Installment

    Make your shopping experience more simple and convenient when you use your RHB credit card. You can now split your retail purchases into interest-free monthly payments at no extra cost.

    Features of RHB Smart Installment

    Repayment Tenure Interest Rate (% p.a.) Minimum Purchase Amountt
    6 months 0 RM1,000
    9 months 0
    12 months 0
    24 months 0

    Benefits:

    • You don’t have to pay interest charges.
    • You can choose a tenure of up to 24 months to split the bill amount and pay the monthly Installments.
    • Use RHB Smart Installment to buy products from over 70 merchants.

    Eligibility

    • You must own an RHB credit card.
    • The minimum purchase amount is RM1,000 done as a single transaction.

    List of Credit Cards Featuring RHB Smart Installment

    Credit Card
    Key Benefits
    Interest Rate
    Annual Fees
    Know More

    Earn up to 8x Reward Points for overseas transactions

    Unlimited Premium Lounge access

    Complimentary travel insurance up to RM2 million

    15% p.a. to 18% p.a.

    Waived for life

    Earn up to 5x Reward Points for overseas transactions

    Unlimited Premium Lounge access

    Complimentary travel insurance up to RM2 million

    Complimentary golfing green fees across Malaysia

    15% p.a. to 18% p.a.

    Waived for life

    Up to 6% cashback on travel, dining and petrol transactions

    5x complimentary access to Premium Lounges

    Complimentary golfing green fees across Malaysia

    15% p.a. to 18% p.a.

    Waived for life

    Up to 6% cashback on shopping, entertainment and online purchases

    Complimentary travel insurance up to RM600,000

    5x complimentary access to Premium Lounges

    15% p.a. to 18% p.a.

    Waived for life

    Earn 5x Reward Points for dining transactions on birthday month

    3x Reward Points for overseas retail purchases

    2x Reward Points for shopping, insurance and utility transactions

    25% discount at all Premium Lounges across Malaysia

    15% p.a. to 18% p.a.

    RM212

    Unlimited 1% cashback on all retail purchases

    No green fee charges at participating golf clubs across Malaysia

    5x complimentary access to Premium Lounges

    Complimentary travel insurance up to RM600,000

    15% p.a. to 18% p.a.

    Waived for life

    Up to 5% cashback on petrol, utilities, groceries and online shopping transactions

    Complimentary travel insurance up to RM100,000

    Access to instant and contactless payment facility

    15% p.a. to 18% p.a.

    RM74.20

    Up to 5% cashback on all shopping transactions at SOGO KL Department Store and Supermarket

    1x Reward Points for every RM1 spent at SOGO Storewide

    2x Reward Points for every RM2 spent at SOGO Supermarket

    15% p.a. to 18% p.a.

    RM93.28

    5x reward points for every RM spent on MyEG services

    1x Reward Points for other transactions

    Promotional offers for theatre and orchestra

    Auto-payment facility for all utilities

    15% p.a. to 18% p.a.

    RM93.28

    How Does RHB Smart Installment Work?

    Walk in to any partnering merchant outlet and use your RHB credit card to pay for a minimum transaction amount of RM1,000 in a single receipt. Inform the merchant and the bank of your intention to convert this transaction into monthly Installments.

    Fill out an application form if necessary. Your purchase amount will be split into equal monthly Installments according to the repayment period you’ve chosen.

    How Do You Apply for RHB Smart Installment?

    Once you’ve identified an eligible transaction that needs to be converted to Installments, get in touch with the bank’s customer service team right away. Notify the merchant and the bank of your willingness to convert the transaction amount into interest-free monthly Installments.

    Don’t hold back on getting what you really need. Use your RHB credit card for all those large retail purchases and get an option to convert these transactions into affordable, interest-free monthly Installments. You can even choose a repayment tenure that fits your current financial situation.

    FAQs on RHB Smart Installment

    Q. Does the bank specify a limit on such transactions?

    A. You can purchase up to 100% of your card’s credit limit.

    Q. Is there an upfront interest charge that I should pay?

    A. No. You can switch to Smart Installment plan without having to pay an upfront interest.

    Q. Can I get the benefits of the scheme when I spend on travel?

    A. Yes. You can get the benefits of the Smart Installment scheme when you book your travel at Holiday Tours & Travel Sedan Berhad or at Mansfield Travel.

    Q. What should I do if I need more information on the scheme?

    A. You can contact the following Phone Banking numbers to get more information on the scheme:

    • Peninsular Malaysia— 03-9206 8118
    • Sabah & Sarawak— 082-276 118
    These lines are open 24/7 for your convenience.

    Q. Should I pay any other charges?

    A. In addition to the monthly Installment, you have to pay a minimum of 5% of the outstanding balance or RM50, whichever is higher, to avoid high finance charges.

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