Apply Now

Get up to 6.85% p.a. or
20,000 RHB Loyalty points monthly —
just by banking your way.

Just maintain 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.

It doesn’t get more
flexible than this.

1

Choose your reward:

2

Fulfil the criteria below
to earn up to 6.85% p.a.:

Mandatory Requirement¹

Additional Bonus
You Can Earn

What's your
account balance?

Maintain a min. of
RM1,000

How much did
you save?

Bank in a min. of
RM2,000

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

What's your account balance?

Maintain a min. of RM1,000

How much did you save?

Bank in a min. of RM2,000

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 Cards/-i

NO

YES

Pay

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

NO

YES

Convert

Convert a min. of
RM3,000 to
foreign
currency

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

NO

YES

Earn bonus for 12 months
upon fulfilment

Auto Loan/Financing

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

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

What's your
account balance?

Maintain a min. of
RM1,000

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 Cards/-i for
every RM100

Pay

Pay bills via
RHB Mobile Banking
App for every RM25

Conversion

Convert to
foreign currency
for every RM250

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 pillar 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 E-Giftcard

28,325 RHB Loyalty Points

Start redeeming exciting rewards with
your RHB Loyalty points!

The redemption catalogue is valid as of 3 June 2025
and is subject to change.

Benefits of RHB Smart Account/-i.

Higher Interest/Profit Rate

Higher Bonus Rate

Enjoy bonus rates of up to 6.85% 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 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.

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.

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 Smart Account/-i.

Kickstart your rewards —
sign up
now and earn up to
50,000 RHB Loyalty points!

16 June 2025 - 15 October 2025

What you need to do

Step 1

Open a new RHB
Smart
Account/-i and
sign up
as a
Joy@Work customer

Step 2

Credit a minimum
monthly
salary of
RM3,000 into your
RHB Smart Account/-i

What you'll get

50,000 RHB Loyalty Points^*

(via online application)

*First-come, first-served
basis,
capped at 250 winners
per campaign month.

25,000 RHB Loyalty Points^**

(via branch application)

** First-come, first-served
basis,
capped at 250 winners
per campaign month.

More JOY, more rewards with
RHB Joy@Work.

Preferential rates for
Personal Financing,
Auto Financing
and Term Deposit

No annual fees for
Debit
or Credit Cards/-i,
plus low
interest/
management fees for
RHB Credit Card/-i
holders

RHB Smart Multiplier Campaign runs from 16 June 2025 to 15 October 2025.
The Participant(s) is required to fulfil the qualifying requirements as defined in
the RHB Smart Multiplier Campaign Terms & Conditions apply.

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.

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)