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Life's Like a Game

But now with RHB Debit Card that comes with an Overdraft Facility, you'll always be prepared

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Overview

A Debit Card that comes
with Overdraft Facility

  • Debit Card
    CashConnect Visa and MasterCard
    (personalised card only)
  • Clean Overdraft Facility
    No collaterals required
Eligibility Individuals
  • Malaysian citizen
  • Non-Malaysian citizen must provide legal work permit
  • No joint accountholder i.e sole  account holder only

Age

  • 21 years old to 50 years old

Income Requirement

  • Minimum income of RM36,000 per annum
Overdraft limit
  • Minimum – RM2,000
  • Maximum – RM200,000
  • Overdraft  limit depends on customer’s eligibility
Spending limit and ATM withdrawal limit Cardholders are provided with an option to choose a daily spending limit for their retail purchases under the Master / Visa platform which is signature-based as follows:
  • RM1,000
  • RM3,000 (default)
  • RM5,000
  • Up to the available balance in the account (inclusive of OD)

For withdrawal at ATM, the daily maximum limit is RM5,000 and customer may change his/her daily spending and ATM daily withdrawal limit at the branch

Daily spending limit and ATM daily transaction limit are defaulted to RM3,000.
Rewards
(CashConnect Cards) 		As per existing Debit Card reward program feature - 0.5% cash back on all retail purchases (except E-debit/EPOS purchases)
Monthly interest repayment Interest charged on the utilized OD amount will be debited to the Current Account monthly at end of the month, and required to be paid (covered) in full by the 15th of the subsequent month.
Statement Monthly statement
Cheque Book Optional
Interest rate 1.25% per month (effective rate of 15.0% per annum) on the utilized amount, calculated on daily rest, debited into the account monthly
Minimum monthly interest repayment 15% per annum on the utilized amount, calculated daily, debited monthly
Over limit interest / penalty (TOD) 24% per annum on the TOD amount calculated daily, debited monthly
Account delinquency OD line will be recalled when monthly interest charged is not paid for 3 consecutive months.
Fees and Charges Issuance fee waived

Annual Fee / Replacement Card Fee

Type of Card Annual Fee Replacement Fee
Cash Connect Visa Debit Card RM20 RM15
Cash Connect Debit MasterCard RM20 RM15

Current Account Minimum Balance / Service Charge

  • Not applicable

Overdraft Finance Charge

  • 15% per annum for ODGD on OD utilization.

Finance charges will be calculated from the date of transaction until it is fully settled.

Cash Withdrawal Fee – As per existing debit card fee

  • Free at all RHB ATMs
  • RM1 per withdrawal via MEPS ATMs
  • RM8 per withdrawal at all ATMs via Visa/MasterCard network and over the counter by card holder & the presentation of the debit card.

Balance Checking Fee – As per existing debit card fee

  • Free at all RHB & MEPS ATM
  • RM1 per enquiry for non MEPS ATMs

Other Fees

  • Service fee of RM20 for sales draft request
  • Administration cost of 1% (on the converted amount billed i.e. in RM) for amount spent overseas (in foreign currency)
  • Other related fees will follow the existing fees & charges for debit card and current account , whichever applicable.
  • Stamp duty on cheque book at RM0.15 per leave
  • Stamp duty on facility as per Stamp Duty Act 1949
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