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RHB BANK CREDIT CARD APPLICATION FORM / BORANG PERMOHONAN KAD KREDIT RHB BANK
Please send completed form to: / Sila lengkapkan borang dan hantar ke:
RHB Bank Cards & Unsecured Business, Credit Card Application Unit, Level 2, Lot 19 & 21, Jalan Tun Perak, 50050 Kuala Lumpur.
Barcode Area
Region / Branch / Channel / Staff ID No. / Source Code /
Daerah Cawangan Saluran No. ID Pekerja Kod Rujukan
Please tick (✓) 1 (one) option below / Sila tanda (✓) 1 (satu) pilihan di bawah
CARDS / KAD-KAD
I wish to apply for the following card / Saya ingin memohan kad berikut:
PLATINUM CARD / KAD PLATINUM VISA MASTERCARD EVO VISA CARD / KAD EVO VISA
1-Year Annual Fee Waived / VISA
Programme Code / 1-Year Annual Fee Waived /
Pengecualian Yuran Tahunan Untuk 1 Tahun Kod Program: A V A 2 4 Programme Code / V A 1 3 9
Pengecualian Yuran Tahunan Untuk 1 Tahun Kod Program:
GOLD CARD / KAD EMAS VISA MASTERCARD
1-Year Annual Fee Waived / EVO MASTERCARD CARD / KAD EVO MASTERCARD MASTERCARD
Programme Code / 5 1-Year Annual Fee Waived /
Pengecualian Yuran Tahunan Untuk 1 Tahun Kod Program: C V A 4 Pengecualian Yuran Untuk 1 Tahun Programme Code / A Z A 1 1
Kod Program:
CLASSIC CARD / KAD KLASIK VISA MASTERCARD
1-Year Annual Fee Waived / TESCO RHB CARD / KAD TESCO RHB VISA
Programme Code / 1-Year Annual Fee Waived /
Pengecualian Yuran Tahunan Untuk 1 Tahun Kod Program: A Z A 5 1 Pengecualian Yuran Untuk 1 Tahun Programme Code / T E S 0 1
Kod Program:
PLUSONE MASTERCARD / MASTERCARD PLUSONE MASTERCARD * Only for Tesco-RHB Card applicants / Untuk pemohon Kad Tesco-RHB sahaja.
1-Year Annual Fee Waived / Do you have a Tesco Clubcard? / Adakah anda memiliki Tesco Clubcard?
Pengecualian Yuran Tahunan Untuk 1 Tahun Programme Code /
Kod Program: T A 2 1 2 Yes / Ya
TRAVEL MONEY CARD / KAD TRAVEL MONEY MASTERCARD 6 3 4 0 0 9 4
1-Year Annual Fee Waived / Programme Code /
Pengecualian Yuran Tahunan Untuk 1 Tahun Kod Program: A Z A 3 1 No (Please apply for a Tesco Clubcard at any Tesco or Tesco Extra Store to enjoy
your rewards) / Tidak (Sila daftar untuk keahlian Tesco Clubcard di mana-mana
Card Collection Tesco atau Tesco Extra Store untuk menikmati ganjaran anda)
Billing Address Branch, Please specify
PERSONAL DETAILS / BUTIRAN PERIBADI
Mobile Tel. No. / _
New IC No. / No. KP Baru _ _ No. Tel. Bimbit
Old IC No. / No. KP Lama Residence is / Own / Rented / Parents / Company /
Rumah milik Sendiri Sewa Ibubapa Syarikat
Passport No. / No. Pasport (Non-Civilian No.) Years resided / Tahun menetap
_
Title / Gelaran Mr. / Encik Ms. / Cik Others /
Lain-lain
mm / bb yy / tt
Name per IC / Passport / Nama seperti KP / Pasport
Permanent Home Address (If P.O. Box is rented or employer-owned, please complete this portion) /
Alamat Rumah Tetap (Sila lengkapkan bahagian ini jika Peti Surat disewa atau milik majikan)
Name on Card / Nama pada Kad
Sex / Male / Female / Postcode /
Jantina Lelaki Perempuan Poskod
Date of Birth / _ _
Tarikh Lahir EMPLOYMENT DETAILS / BUTIRAN PEKERJAAN
dd / hh mm / bb yyyy / tttt
Sector of Employment / Government / Semi Government / Private /
Nationality / Warganegara Kerajaan Separa Kerajaan Swasta
Sektor Perkerjaan
Type of Income / Salaried / Self-Employed /
Race / Bangsa Jenis Pendapatan Gaji Bulanan Bekerja Sendiri
Bumiputera / Chinese / Indian / Others / Employer / Majikan
Bumiputera Cina India Lain-lain
Marital Status / Taraf Perkahwinan
Single / Married / Divorced / Widowed / No. of Dependents /
Bujang Kahwin Bercerai Janda Bilangan Tanggungan
ATM PIN / Office Address / Alamat Pejabat
Yes / Ya No / Tidak
PIN ATM
E-mail Address / Alamat E-mel
Postcode /
RESIDENTIAL DETAILS / BUTIRAN KEDIAMAN Poskod
Current Home Address / Alamat Rumah Office Tel. No. / _
No. Tel. Pejabat
Position / Jawatan
Postcode /
Poskod Type of Business / Jenis Perniagaan
Home Tel. / _
No. Tel. Rumah
Years employed / _ Name on Card / Nama pada Kad
Tahun bekerja
mm / bb yy / tt
Annual Income / Sex / Jantina Male / Lelaki Female / Perempuan
Pendapatan Tahunan
Billing Address / Alamat Bil Home / Rumah Office / Pejabat Date Of Birth / Tarikh Lahir _ _
dd / hh mm / bb yyyy / tttt
Nationality / Warganegara
PERSONAL SECURITY REFERENCE / RUJUKAN KESELAMATAN PERIBADI
Mother’s Maiden Name / Nama Ibu Sebelum Kahwin
Race / Bangsa
Bumiputera / Chinese / Indian / Others /
Bumiputera Cina India Lain-lain
Relationship / Hubungan
SPOUSE DETAILS / BUTIRAN PASANGAN
Name / Nama ATM PIN / Yes / No /
PIN ATM Ya Tidak
Current Home Address / Alamat Rumah
Employer / Majikan
Postcode /
Poskod
Office Tel. No. / No. Tel. Pejabat _
Home Tel. No. / _
No. Tel. Rumah
EMERGENCY CONTACT PERSON (Family Members Not Staying With You) / Mother’s Maiden Name / Nama Ibu Sebelum Kahwin
JIKA BERLAKU KECEMASAN HUBUNGI (Ahli Keluarga Yang Tidak Tinggal Bersama)
Name / Nama
Mobile Tel. No. / _
No. Tel. Bimbit
Company Name / Nama Syarikat CONFIRMATION AND DECLARATION BY RHB BANK BERHAD CREDIT CARD APPLICANT /
PENGESAHAN DARI PEMOHON KAD KREDIT RHB BANK BERHAD
I/We hereby confirm and declare that all the information provided by me/us is
complete, true and correct and that I/we authorise RHB Bank Berhad (the Bank) to
verify any information provided and to obtain from any source including Inland
_ Revenue as the Bank considers appropriate any information, which the Bank may
Tel No. / No. Tel require. The Bank may, at its sole and absolute discretion, approve or reject my/our
application. I/We agree that by signing and/or using the card(s), I/we agree to be
Relationship /
Hubungan bound by and to comply with all terms and conditions of the Bank cardmember
agreement(s) which will be sent to me/us with the card(s) upon approval of my/our
application and any other terms and conditions imposed by the Bank from time to time
FINANCIAL REFERENCE / RUJUKAN KEWANGAN for credit card facilities and all amendments thereto and agree that the RHB Bank
Bank Account / Credit or Charge Card / Akaun Bank / Kad Kredit atau Caj Visa/MasterCard Credit Card may only be used to such terms and conditions. I/We
understand the card(s) when issued remain the property of the Bank and must be
Bank or Finance Company / Account Type / Account No. / Date Opened /
returned to the Bank upon request and shall be subjected to cancellation without
No. / Bank atau Syarikat Kewangan Jenis Akaun No. Akaun Tarikh Dibuka
notice. I/We hereby confirm that my/our immediate family and close relatives
No. Type of Card / Card No. / Member Since /
Bank Name / Nama Bank (including parent, brother/sister and their spouses, dependent’s spouse and
Jenis Kad No. Kad Ahli Sejak step/adopted children) are not employees of the RHB Banking Group. I/We irrevocably
and unconditionally agree, authorise and permit the Bank to disclose or release to
Bank Negara Malaysia, Cagamas Berhad, the credit bureau or central bureau
established by Bank Negara Malaysia including but not limited to the Central Credit
Reference Information System (CCRIS) and such other authorities pursuant to any
applicable law, regulations or directive (whether having the force of law or otherwise)
SUPPLEMENTARY CARD APPLICATION / JOINT ACCOUNTHOLDER CARD APPLICATION / or any party as the Bank shall see fit, any information with respect to me/us for any
PERMOHONAN KAD SAMPINGAN / PERMOHONAN KAD PEMEGANG AKAUN BERSAMA purpose including but not limited to the purpose of assessing my/our credit
_ _ worthiness. I/We further irrevocably and unconditionally agree, authorise and permit
New IC No. / No. KP Baru the Bank to share or disclose all the information provided by me/us to its co-brand
partner(s) and/or its related corporations, where necessary to operate the RHB
Old IC No. / No. KP Lama Co-brand Credit Card(s) programme in order to provide me/us with services relating to
said programme, to communicate with me/us, to promote offers, to fulfil requests
including redemption of co-brand partner’s points, and for identification, validation
Passport No. / No. Pasport (Non-Civilian No.) and verification purposes in relation thereto. I/We irrevocably agree and consent to
receiving SMS notifications from co-brand partner(s) and/or its related corporations in
Shared Supplementary Limit? / Had Sampingan Berkongsi? Yes / Ya No / Tidak relation to any matter relevant to the RHB Co-brand Credit Card(s) which the Bank,
co-brand partner(s) and/or its related corporations may deem necessary from time to
time. I/We hereby confirm that no further permission or consent from me/us is
If no, please state assigned limit / Jika tidak, sila nyatakan had necessary or required in relation to all of the above disclosures and this declaration
shall constitute the consent required pursuant to Section 99(1)(a) of the Banking and
Title / Gelaran Mr. / Encik Ms. / Cik Others / Financial Institutions Act 1989 and any other contractual consent for such disclosures.
Lain-lain I/We acknowledge that my/our membership will be subjected to the further terms and
conditions of the Bank which will be given to me/us with my/our approved credit card.
Name per IC / Passport / Nama seperti KP / Pasport
I/We shall not dispute the contents of the faxed copy received by the Bank which shall
be deemed as the original application and I/we shall produce the original application
to the Bank upon request. I/We agree to abide by the Anti-Money Laundering Laws of
Malaysia. For principal/primary accountholder card applicant only: I/We agree to be
liable for all transactions charged to my/our principal/primary accountholder card(s)
and any supplementary /joint accountholder card(s) issued. For supplementary/joint
accountholder card applicant only: I agree to be liable for all transactions charged to my MY CREDIT SHIELD DECLARATION/ PENGESAHAN MY CREDIT SHIELD
supplementary/joint accountholder card(s) issued. For non-Malaysian applicant only: I hereby request and authorise RHB Bank Bhd to debit my RHB Credit Card
I/We confirm that my/our borrowings from all sources within Malaysia do not exceed in Account(s) to RHB Insurance Bhd for premium due under MY CREDIT SHIELD in
the aggregate amount of RM200,000.00. If my/our borrowings inclusive of the which I have enrolled. I declare that I am aged between 18 and 60 (both ages
approved credit limit for my/our card(s) exceeds RM200,000.00, I/we shall advise the inclusive) and engaged in permanent and gainful employment. I am free from any
Bank immediately. In the event of any inconsistencies between the English version and physical impairments / deformities and have never been diagnosed and / or
the Bahasa Malaysia version of the declaration, the English version shall prevail. received or shown manifestations / symptoms of any illness or disability 12
Saya/Kami dengan ini mengesahkan dan mengaku kesemua maklumat yang diberikan months prior to my enrolment to this Plan. I acknowledge and agree that the
oleh saya/kami adalah lengkap, benar and tepat dan saya/kami memberi kebenaran claim proceeds of MY CREDIT SHIELD shall be made payable to RHB Bank Bhd. /
kepada RHB Bank Berhad (Bank) untuk mengesahkan sebarang maklumat dan mendapat Saya dengan ini memohon dan memberi kebenaran kepada RHB Bank Bhd untuk
daripada mana-mana sumber termasuk Lembaga Hasil Dalam Negeri sebarang mendebit dari Akaun Kad Kredit RHB saya kepada RHB Insurance Bhd untuk
maklumat yang dianggap perlu atau diperlukan oleh Bank. Bank berhak atas budi bicara pembayaran premium MY CREDIT SHIELD. Saya mengaku bahawa saya berusia di
mutlaknya untuk melulus atau menolak permohonan saya/kami. Saya/Kami bersetuju antara 18 dan 60 tahun (termasuk kedua-dua umur) dan mempunyai pekerjaan
dengan menandatangani dan/atau menggunakan kad saya/kami bersetuju untuk diikat dan berpendapatan tetap. Saya bebas dari sebarang kekurangan fizikal /
oleh dan mematuhi kesemua terma-terma dan syarat-syarat Perjanjian Ahli Kad yang kecacatan dan tidak pernah didiagnosa dan / atau menerima atau menunjukkan
akan dihantar kepada saya/kami bersama kad setelah permohonan ini diluluskan dan manifestasi / simptom sebarang penyakit atau ketidakupayaan 12 bulan sebelum
kesemua terma-terma dan syarat-syarat perjanjian kad kredit Bank dan terma-terma dan penyertaan saya ke dalam Pelan ini. Saya mengesahkan dan bersetuju yang hasil
syarat-syarat lain yang dikenakan oleh Bank dari masa ke semasa untuk kemudahan kad tuntutan MY CREDIT SHIELD akan dibayar kepada RHB Bank Bhd.
kredit dan kesemua pindaan dan bersetuju bahawa Kad Kredit Visa/MasterCard RHB
Bank hanya boleh digunakan tertakluk kepada terma-terma dan syarat-syarat tersebut.
Saya/Kami faham bahawa kad adalah sentiasa hakmilik Bank dan hendaklah diserahkan
kepada Bank apabila diminta dan boleh dibatalkan oleh Bank tanpa notis. Saya/Kami
mengesahkan bahawa ahli keluarga saya/kami dan saudara terdekat (termasuk ibu
bapa, abang/kakak/adik dan pasangan, pasangan dibawah tanggungan dan saudara tiri
angkat) bukanlah pekerja Kumpulan Perbankan RHB. Saya/Kami dengan perihal tidak
boleh dibatalkan dan dengan tiada syarat bersetuju, memberi kebenaran dan membe-
narkan Bank untuk memberi kepada Bank Negara Malaysia, Cagamas Berhad, biro kredit
atau biro pusat yang ditubuhkan oleh Bank Negara Malaysia dan lain-lain pihak
berkuasa dibawah sebarang undang-undang, peraturan dan perintah (samada mempu-
nyai kuasa undang-undang atau tidak) atau mana-mana pihak yang ditentukan sesuai
dan berkenaan oleh Bank, sebarang maklumat berkenaan dengan saya/kami untuk
apa-apa tujuan termasuk tetapi tidak terhad kepada Sistem Maklumat Rujukan Kredit Note: Subscription to My Credit
Pusat saya/kami. Saya/Kami dengan perihal tidak boleh dibatalkan dan dengan tiada Shield is compulsory for applicants
syarat bersetuju untuk memberi kebenaran dan membenarkan Bank berkongsi atau aged 55 years and above.
memberi semua maklumat yang dibekalkan oleh saya/kami kepada rakan kongsi jenama Nota: Pemohon berusia 55 tahun dan
bersamanya dan/atau syarikat berkaitan untuk menjalankan program Kad Kredit Rakan ke atas adalah diwajibkan untuk
Signature of Principal Applicant / melanggan My Credit Shield.
Kongsi Jenama Bersama RHB Bank bagi menyediakan perkhidmatan-perkhidmatan yang Tandatangan Pemohon Kad Utama Sampingan
bersangkutan dengan program berkenaan kepada saya/kami, untuk berkomunikasi Date / Tarikh:
dengan saya/kami, mempromosikan tawaran, memenuhi permintaan termasuklah
penebusan mata dan juga untuk tujuan pengenalan, mengesahkan serta penentusahan IMPORTANT DISCLOSURES / MAKLUMAT PENTING
yang berkenaan dengannya. Saya/Kami bersetuju dan mengizinkan untuk menerima
Minimum age required is 21 years for principal card and 18 years for a supplementary
pemberitahuan SMS dari rakan kongsi jenama bersama dan/atau syarikat berkaitan
card. Minimum annual basic income required is RM18,000 for Classic Card,
berkenaan dengan sebarang perkara yang berkaitan dengan Kad Kredit Rakan Kongsi
RM48,000 for Gold Card and RM60,000 for Platinum Card / Para pemohon mesti
Jenama Bersama RHB Bank seperti mana yang dianggap perlu oleh Bank, rakan kongsi
berusia sekurang-kurangnya 21 tahun untuk kad utama dan 18 tahun untuk kad
jenama bersama dan/atau syarikat berkaitan dari masa ke semasa. Saya/Kami dengan
tambahan. Pendapatan tahunan minima yang diperlukan adalah sebanyak RM18,000
ini mengesahkan bahawa tiada kebenaran atau kelulusan selanjutnya dari saya/kami
untuk Kad Klasik, RM48,000 untuk Kad Emas dan RM60,000 untuk Kad Platinum.
adalah perlu berkaitan dengan perkara tersebut diatas dan deklarasi ini adalah
kebenaran yang perlu dibawah Seksyen 99(1)(a) dan Akta Bank dan Institusi-Institusi CREDIT SALARIED SELF- COMMISSION
Kewangan 1989 dan segala kebenaran berasas kontrak untuk pemberian maklumat DOCUMENTS REQUIRED /
DOKUMEN-DOKUMEN CARDHOLDER* / EMPLOYEE / EMPLOYED / EARNER /
tersebut. Saya/Kami mengakui bahawa permohonan saya/kami akan tertakluk kepada YANG DIPERLUKAN PEMEGANG PEKERJA BEKERJA PENDAPAT
terma dan syarat daripada Bank yang akan diberikan kepada saya/kami dengan kad KAD KREDIT* BERGAJI SENDIRI KOMISEN
kredit saya/kami yang diluluskan. Saya/Kami tidak akan mempertikaikan isi kandungan
salinan faks yang diterima oleh Bank yang dikira sebagai permohonan benar dan Copy of IC (front and back) / ✓ ✓ ✓ ✓
saya/kami akan mengeluarkan permohonan benar kepada Bank apabila diminta. Salinan KP
Saya/Kami bersetuju untuk mematuhi undang-undang Pencegahan Penggubahan Wang (depan dan belakang)
Haram dan Pencegahan Pembiayaan Keganasan Malaysia. Saya/Kami bersetuju untuk Salary Slip (2 months) /
menanggung kesemua transaksi yang dicajkan kepada kad utama/kad pemegang akaun Penyata Gaji (2 bulan) ✓
utama saya/kami dan kad tambahan/kad pemegang akaun bersama yang dikeluarkan.
Untuk pemohon kad tambahan/kad pemegang akaun bersama sahaja: Saya/Kami Copy of Credit Card /
Salinan Kad Kredit ✓
bersetuju untuk menanggung kesemua transaksi yang dicajkan kepada kad
tambahan/kad pemegang akaun bersama yang dikeluarkan. Untuk pemohon bukan Form B / BE (with validated
bermastautin Malaysia sahaja: Saya/Kami bersetuju bahawa pinjaman saya/kami dari receipt of payment to IRB) / ✓ ✓
kesemua sumber di Malaysia tidak melebihi RM200,000.00. Sekiranya pinjaman Borang B / BE (dengan resit
saya/kami termasuk had kredit untuk kad saya/kami melebihi RM200,000.00, sah pembayaran kepada IRB)
saya/kami akan memberitahu Bankdengan serta-merta. Sekiranya terdapat sebarang
Bank Statements (last 2
ketidakseragaman antara Pengesahan versi Bahasa Inggeris dan versi Bahasa Malaysia months) or EPF statements /
ini, versi Bahasa Inggeris akan diguna pakai. Penyata Bank (2 bulan ✓
terakhir) atau Penyata KWSP
Company Account
Statements (last 3 months) / ✓
Penyata Akaun Syarikat
(3 bulan terakhir)
Form 9, 24, 49 or Business
Registration Certificate /
Borang 9, 24, 49 atau Sijil ✓
Pendaftaran Perniagaan
Commission Statement
(last 12 months) / ✓
Penyata komisen
(12 bulan terakhir)
* Principal cardholder of local card issuer for more than 1 year. A combined credit limit
will be issued for application of more than one (1) Credit Card. All documents submit-
Signature of Principal Applicant / Signature of Supplementary Applicant / ted are non-returnable. / * Pemegang kad utama keluaran tempatan yang melebihi 1
Tandatangan Pemohon Kad Utama Tandatangan Pemohon Kad Tambahan tahun. Had kredit bergabung akan diberikan untuk permohonan melebihi satu (1) Kad
Kredit. Semua dokumen-dokumen yang diserahkan tidak akan dikembalikan.
ANNUAL FEE / YURAN TAHUNAN TESCO RHB CARD / KAD TESCO RHB - CASH BACK CALCULATION /
CARA PENGIRAAN REBAT TUNAI
VISA MASTERCARD
Card Type /
Jenis Kad Principal / Supplementary / Principal / Supplementary / Step / Langkah 1: Formula for 40% capping on total spending / Formula Untuk 40%
Utama (RM) Tambahan (RM) Utama (RM) Tambahan (RM) jumlah pembelian maksimum yang diperuntukkan Step / Langkah 2:
Classic / Klasik 70 40 70 40 Formula on Cash Back calculation / Formula pengiraan Rebat Tunai (X = P/T x C)
Gold / Emas 130 70 130 70 P = Capping amount eligible for Cash Back C = Total Cash Back accumulated based
Patinum 500 200 500 200 calculation / Jumlah pengiraan Rebat on spending at Tesco / Jumlah Rebat Tunai
EVO 100 50 100 50 Tunai maksimum yang diperuntukkan yang terkumpul berdasarkan pembelian
Travel Money S = Total monthly retail spend / Jumlah di Tesco
N/A N/A 70 40
pembelian runcit bulanan Y = Maximum Cash Back is RM50 per month
PlusOne N/A N/A 68 20 T = Total spending at Tesco / Jumlah / Rebat Tunai maksimum ialah RM50
Tesco RHB 88 20 N/A N/A pembelian di Tesco X = Cash Back earned / Rebat Tunai yang diterima
Card Type / Jenis Kad Principal / Supplementary /
Utama (RM) Tambahan (RM) TRAVEL MONEY CARD / KAD TRAVEL MONEY - CASH BACK CALCULATION /
CARA PENGIRAAN REBAT TUNAI
Combined Cards (Classic) / Gabungan Kad (Klasik) 100 60
Combined Cards (Gold) / Gabungan Kad (Emas) 220 100 Step / Langkah 1: Formula for 20% capping on total spending / Formula Untuk 20%
jumlah pembelian maksimum yang diperuntukkan Step / Langkah 2:
Combined Cards (Platinum) / Gabungan Kad (Platinum) 750 400 Formula on Cash Back calculation / Formula pengiraan Rebat Tunai (X = P/T x C)
Combined Cards (EVO) / Gabungan Kad (EVO) 150 75 P = Capping amount eligible for Cash Back C = Total Cash Back accumulated based
calculation / Jumlah pengiraan Rebat on spending for petrol / Jumlah Rebat
FEES AND CHARGES / BAYARAN DAN CAJ Tunai maksimum yang diperuntukkan Tunai yang terkumpul berdasarkan
S = Total monthly retail spend / Jumlah pembelian untuk petrol
Card Service Tax RM50 per annum and RM25 per annum are applicable for each pembelian runcit bulanan Y = Maximum Cash Back is RM60 per month
Cukai principal credit card and supplementary credit card respectively. T = Total spending for petrol / Jumlah / Rebat Tunai maksimum ialah RM60
Perkhidmatan Kad RM50 setahun dan RM25 setahun tertakluk kepada kad pembelian untuk petrol X = Cash Back earned / Rebat Tunai yang diterima
utama dan kad tambahan masing-masing.
Finance Charges The actual Cash Back earned and posted to the account is also based on the
1. Retail Purchases 1. Description Interest Rate from 13th month onwards following conditions / Jumlah Rebat Tunai sebenar yang diterima dan
Pembelian Runcit dimasukkan ke dalam akaun adalah berdasarkan syarat-syarat berikut:
Bayaran tepat pada masanya selama 12 bulan 13.5% If P>=T, then P/T=1, otherwise take the actual value / Sekiranya, P>=T, maka P/T=1,
berturut-turut jika tidak, nilai sebenar akan diambil kira
If X>Y, then cardmember gets Y, otherwise cardmember gets X / Sekiranya X>Y, maka
more within 12 months Ahli Kad akan memperolehi Y, jika tidak, Ahli Kad akan memperolehi X
Bayaran tepat pada masanya bagi 10 bulan atau 16.0% RHB Bank Berhad may at its sole discretion accept placement of fixed deposit under
lebih berturut-turut dalam tempoh 12 bulan lien to securitise this application and offer credit limit equivalent to the fixed
deposit amount. The minimum amount accepted is RM5,000. / RHB Bank Berhad
12 months berhak atas budi bicara mutlaknya menerima akaun simpanan tetap sebagai
Bayaran tepat pada masanya kurang daripada 17.5% cagaran untuk memohon kad kredit dan had kredit yang diluluskan adalah setara
10 bulan dalam tempoh 12 bulan dengan jumlah simpanan tetap. Jumlah minimum adalah RM5,000.
2. Cash Advance 2. 18% p.a. will be levied on each cash advance calculated
Pendahuluan from the date of cash advance until it is fully settled.
Wang Tunai Setiap pendahuluan tunai akan mendapat kadar levi
18% setahun dari tarikh pemberian pendahuluan tunai
sehingga ia dibayar penuh.
Cash Advance Fee 5% of the transaction amount or a minimum of RM15,
Yuran Pendahuluan whichever is higher, will be charged on all cash withdrawals.
Wang Tunai 5% daripada jumlah transaksi atau RM15 yang mana lebih
tinggi dikenakan ke atas setiap amaun yang dikeluarkan.
Minimum 5% of the outstanding balance or a minimum repayment of
Monthly Payment RM50, whichever is higher.
Bayaran 5% daripada baki tertunggak atau RM50, yang mana lebih tinggi.
Minima Bulanan
Late Payment Charge A minimum of RM5 or 1% of total outstanding balance as at
Caj Pembayaran Lewat statement date, whichever is higher, up to a maximum of
RM50 will be charged.
Bayaran minima RM5 atau 1% daripada baki tertunggak
berdasarkan tarikh penyata, yang mana lebih tinggi, sehingga
jumlah maksima RM50 akan dicaj.
Interest Free Period 20 days from the statement date and is applicable only for
Tempoh Tanpa Faedah retail transactions and the cardmembers who pay in full on or
before the payment due date. If cardmembers opt to pay
partial or minimum payment, finance charges for retail
transactions will be calculated from the day the transactions
are posted to the card account.
20 hari dari tarikh penyata dan hanya boleh diguna untuk
transaksi runcit dan pemegang kad yang membayar jumlah
penuh pada atau sebelum sampai tarikh pembayaran. Jika
ahli kad memilih untuk membuat pembayaran secara
sebahagian atau minima, caj kewangan bagi urus niaga runcit
akan dikira dari hari urus niaga dicatatkan pada akaun kad.
Conversion For The conversion rate as determined by Visa International or
International MasterCard Worldwide plus an administration cost of up to
Transactions 1% on the conversion rate.
Kadar Pertukaran Kadar pertukaran yang dikenakan daripada Visa International
Transaksi atau MasterCard Worldwide serta caj pentadbiran sehingga
Antarabangsa 1% ke atas kadar pertukaran.
CUSTOMER CONFIRMATION DOCUMENT (CCD)
(To be attached with the Credit Card / Personal Financing Application)
Thank you for applying for RHB Bank Credit Card / Personal Financing. To ensure clarity regarding RHB Bank’s offer, we would
like you to go through the confirmation given below and sign your acceptance on this same form.
1. CARD FEES CHECKLIST (Please tick where applicable):
Card Type Card Fees
Platinum MasterCard / Visa st
1 Year Annual Fee Waiver (AVA24) 1st Card 2nd Card
Subsequent Year Annual Fee : RM500
Travel Money MasterCard 1st Year Annual Fee Waiver (AZA31) 1st Card 2nd Card
Subsequent Year Annual Fee : RM70
Tesco-RHB Credit Card Visa 1st Year Annual Fee Waiver (TES01) 1st Card 2nd Card
Subsequent Year Annual Fee : RM88
2. PERSONAL FINANCING INTEREST
Personal Financing Personal Financing with Credit Card
6.49% - 6.69% p.a. flat) 9.91% - 10.47% p.a. flat) 11.66% - 12.46% p.a. flat) 13.45% - 14.52% p.a. flat)
(RM100,000 – RM 150,000) (RM51,000 – RM 99,000) (RM11,000-RM50,000) (RM2,000 – RM10,000)
Amount Requested (Minimum RM2,000) : RM Repayment Amount : RM
Repayment Period (Months) : 12 18 24 30 36 42 48 54 60
DECLARATION
i. I confirm and agree to the fee payable / waiver and the product benefits explained by the sales agent for my RHB Credit
Card / Personal Financing application.
ii. I acknowledge that I have been briefed, made aware and agree to undertake the RM50 Card Service Tax per principal
credit card and RM25 Card Service Tax per supplementary card (if any) which will be charged to my account upon
approval of my credit card application.
iii. I agree and consent that RHB Bank may at any time without liability to me, disclose any information concerning me and/or
any transactions undertaken through the use of the Card to:-
a) any authorities, Merchants and any member of the institute MasterCard International / VISA International; and
b) any associated or related companies of RHB Bank, its agents, servants and/or such persons as RHB Bank may
absolutely deem fit.
Yes No
iv. I confirm my instructions for my card(s), if approved, to be couriered directly (931) to my mailing address.
Applicant’s Signature
CUSTOMERS MAY REQUEST FOR A COPY OF THIS DOCUMENT FOR REFERENCE.
Applicant’s Name : Telelephone No. :
NRIC : Date :
For Bank/Agency’s use only:
Personnel Name : Signature :
Staff ID : H/P No. :
Branch ID
Important Notice:
Credit Limit : the Bank shall assign the credit limit in accordance with the Bank’s policies and discretion
Approved amount of the facility: the Bank shall assign the approved facility amount in accordance with the Bank’s policies and discretion,
and where the approved amount may be lower than applied for and the applicant shall be deemed to have accepted such reduced facility.
New Application (Cards / Personal Financing) processing will take 1 week from the date of receipt provided the application is complete, with
all the relevant documents.
Once the Personal Financing application is approved, no cancellation will be allowed. I am subjected to the terms and conditions of the
Personal Financing facility. The Bank is not responsible for any interest charges and damages suffered by me due to the delay or rejection of
the Personal Financing facility.
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