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Get up to 6.60% p.a. or
20,000 RHB Loyalty Points monthly — just by banking your way.

Maintain a minimum monthly average balance of RM1,000 and earn rewards simply by saving, spending, paying bills or investing with RHB Smart Account/-i. Apply online anytime via RHB Mobile Banking.

How to choose your rewards

1

Log in to the RHB Mobile App

2

Go to Accounts

3

Select RHB Smart Account/-i

4

Tap on Go to Rewards

5

Select your preferred rewards

6

Submit and confirm your
rewards selection

7

Track your progress

Click here to see how
to earn your reward

It doesn’t get more
flexible than this.

1

Choose your reward:

2

Fulfil the criteria below
to earn up to 6.60% p.a.:

Mandatory Requirement¹

Additional Bonus
You Can Earn

Maintain a minimum
of RM1,000 monthly average
balance in
your account

What's your
account balance?

How much did
you save?

Are you an
RHB Joy@Work
customer?

Credit salary monthly
to keep your RHB
Joy@Work status active

NO

YES

Here’s your total Bonus Rates so far:

Mandatory Requirement¹

Maintain a minimum
of RM1,000 monthly average
balance in
your account

What's your
account balance?

How much did you save?

Additional Bonus
You Can Earn

Are you an RHB Joy@Work
customer?

Credit salary monthly to keep your RHB
Joy@Work status active

NO

YES

Here’s your total Bonus Rates so far:

¹Fulfil the mandatory requirements to unlock other bonus
payouts and qualify for Level 2.

Keep earning more
Bonus Rates!
The higher your
balance, the greater the
bonus.

3

Is your incremental balance more than
RM1,000 for the previous month?

NO

YES

Monthly Average Balance	Bonus Rates
<RM10,000	0.30% p.a.	0.50% p.a.²
RM10,000 - RM 49,999	0.80% p.a.	1.00% p.a.²
RM50,000 - RM 100,000	1.40% p.a.	1.60% p.a.²

4

Now, perform up to
3 actions below:

Spend

Spend a min. of
RM1,000 with
RHB Debit or
Credit Cards/-i

NO

YES

Pay

Pay at least 3 bills via
RHB Online Banking
with a min. of
RM25 per bill

NO

YES

Convert

Convert a min. of RM3,000 to foreign currency or Precious Metal with RHB Multi Currency Account/-i

NO

YES

Trade

Trade with a min. of
RM100 brokerage fee
via
RHB Investment Bank

NO

YES

Invest

Invest a min. of
RM10,000 in
Unit Trust

NO

YES

Earn bonus for 6 months
upon fulfilment

Home Loan/Financing

Apply for a min.
of RM400,000
RHB Home Loan/
Financing/-i

NO

YES

Earn bonus for 12 months
upon fulfilment

Auto Loan/Financing

Take up a min.
of RM40,000
RHB Auto Loan/
Financing/-i

NO

YES

Earn bonus for 12 months
upon fulfilment

You’ve boosted your Bonus Rate
by earning:

²Applicable to customers who increased their balances by
more than RM1,000
compared to the previous month to be
entitled to an additional 0.20% p.a.

Congratulations!

Here’s your total Bonus
Rate earned:

2

Fulfil the criteria below to
earn up to 20,000 RHB
Loyalty Points:

Mandatory Requirement¹

Maintain a
minimum of
RM1,000 monthly average
balance in
your account

Are you an
RHB Joy@Work
customer?

Credit salary monthly
to keep your
RHB
Joy@Work status
active

NO

YES

How much did
you save?²

Bank in every RM250

Is your incremental balance more
than
RM500 for the previous
month?

NO

(Qualify for 500
RHB
Loyalty Points
for each
milestone
achieved)

YES

(Qualify for 1,000
RHB
Loyalty Points
for each
milestone
achieved)

RHB Loyalty Points earned²

¹Fulfil the mandatory requirements to unlock other bonus
payouts and qualify for Level 2.
²Applicable to active Joy@Work customers only

3

Earn RHB Loyalty Points when you
complete any of the actions below³:

Spend

Spend with
RHB Debit or
Credit Cards/-i for
every RM100

Pay

RHB Mobile Banking
App for every RM25

Convert

Convert to foreign
currency for every
RM250 or Precious
Metal with RHB Multi
Currency Account/-i

Invest

Invest in Unit Trust
for every RM100

Home Loan/Financing

Pay housing loan/financing
instalments for
every RM100

Auto Loan/Financing

Pay car loan/financing
instalments for
every RM50

You’ve boosted your RHB Loyalty
Points by
earning:

³Capped at 5,000 RHB Loyalty Points per milestone on a monthly basis.

Congratulations!

Here’s your total RHB
Loyalty Points earned⁴:

⁴Capped at 20,000 RHB Loyalty Points monthly.

Redeem over 8,000 items with
RHB Loyalty Points
—
from Enrich Air Miles and
groceries at Jaya Grocer
to
coffee from ZUS and more.

1000 Enrich Miles

(All except Premier Visa Infinite)

24,100 RHB Loyalty Points

Jaya Grocer RM100 Gift Card

59,950 RHB Loyalty Points

Zus Coffee RM50 E-Giftcard

28,325 RHB Loyalty Points

Start redeeming exciting rewards with
your RHB Loyalty Points!

The redemption catalogue is subject to change.

Benefits of RHB Smart Account/-i.

Higher Interest/Profit Rate

Higher Bonus Rate

Enjoy Bonus Rates of up to 6.60% p.a. Simply deposit a minimum of RM2,000, then sign up for Joy@Work, pay bills, spend, convert, trade, finance or invest.

Attractive Loyalty Points

Attractive Loyalty Points

Treat yourself! Earn up to 20,000
points monthly just by banking with
your RHB Smart Account/-i.

Online Account Opening

Online Account Opening

Easily open your account
anywhere, anytime without
having to visit the branch.

Joy@Work Bonus for Salaried Customers

Joy@Work Bonus for
Salaried Customers

Sign up for Joy@Work to unlock additional perks, including an exclusive 1.00% p.a. Bonus Rate on your RHB Smart Account/-i.

RHB Online Banking

RHB Online Banking

Enjoy a world of banking features
and solutions anytime, anywhere
such as managing your finances,
paying bills, transfer funds and more.

An Account for Everyone

An Account for Everyone

Get rewarded through different
bonus pillars tailored to your
lifestyle and banking habits.

Start growing your savings, today.

Terms & Conditions apply.

Get in touch with RHB today.

Visit www.rhbgroup.com or any of our branches

For avoidance of doubt, RHB Islamic Bank only promotes and manages promotions in relation to RHB Islamic Bank products and its related proposition only.

RHB Current and Savings Account/-i are protected by PIDM up to RM250,000 for each depositor. Investment products and Paper Precious Metals are not protected by PIDM.

The calculation for Incremental Monthly Average Balance (MAB) is defined as the current month's MAB of the Eligible Participant(s) minus the previous month's MAB. MAB is defined as the sum of the daily end-of-day balances of the Eligible Participant’s total RHB Smart Account/-i for the month, divided by the actual number of days in the participating month.

Investors are advised to read and understand the content of the relevant documents, including but not limited to the prospectus or information memorandum that has been registered with the Securities Commission, Product Highlight Sheet, Product Disclosure Sheet, and Term Sheet, before investing. Investors should also consider all fees and charges involved before investing. Prices of units and income distribution, if any, may go down as well as up; past performance is no guarantee of future performance. Units will be issued upon receipt of the registration form referred to and accompanying the prospectus. The printed copy of the prospectus and Product Highlight Sheet is available at RHB branches/Premier Centres, and investors have the right to request a Product Highlight Sheet.

Member of PIDM.
RHB Bank Berhad 196501000373 (6171-M) |
RHB Islamic Bank Berhad 200501003283 (680329-V)