There are 2 options available to earn from the account:

Bonus Rates ; or
Loyalty Points

All customer will be defaulted to Bonus Rates option upon onboarding. Any selected options will take effective next following month.

How long only the "Smart Rewards" tier level for Pay, Spend and Deposit will appear on the RHB apps, if i newly open the RHB Smart account today? Why it's not reflected immediately? Or banker wrongly selected for Loyalty Points?

This post has been edited by leo_kiatez: Jun 20 2025, 03:17 PM

Or need to pay from RHB apps for bill payment? Any tab to pay the bills at RHB apps?

UOB One account has been nerfed😔
https://www.uob.com.my/assets/web-resources...n-july-2025.pdf

Good, time to move to RHB Smart. Buta buta can get 5.25%

*DELETED*

This post has been edited by LightningZERO: Jul 1 2025, 09:12 PM

from 4% to 3.63% - still not bad. almost on-par with fd rate. expected rate will drop soon once fed rate and opr reduce

This post has been edited by ericlaiys: Jul 1 2025, 12:52 PM

Just read about RHB Smart. Unfortunately, I have UOB credit card so I will stick to UOB One account for now unless the benefits reduced further

Yup, I will stick around for a while until further changes

Anyone has experience - the current RHB smart account promotion - what happens if you don't hit the MAB? Straight away no bonus, or bonus interest is lesser? From the graph in https://www.rhbgroup.com/personal/deposits/...ount/index.html it shows (up to 1.6% per pillar achieved for amounts 50k<100k) but underneath the image has a footnote saying "Applicable to customers who increased an their balances of more than RM1,000 compared to previous month to entitle for an additional 0.20%p.a. "

Not sure if this means "only customers who increase MAB will get the 1.6%" or "only customers who increase MAB will get an additional 0.2%"?

If you can't maintain even RM1k minimum balance, you shouldn't think too much about HYSA

I specifically asked about 'increase MAB by 1k' which is necessary to get 1.6%. Not maintain minimum 1k. I mentioned that multiple times in my question.

It's quite clear - if you don't increase the MAB by the required threshold, you will not earn the additional 0.2%.

can put in artificial numbers in their website. it will tell you what % are you getting.

mine acct worse, cant see any changes in the rewards page after >1 week opening acct after bank in money and pay bills. 😅. CS also dont know.

This post has been edited by cclim2011: Jul 19 2025, 11:01 AM

This RHB Smart Account is until Dec25 only?

Rhb smart account has been around for few years. The current interest and the method to get the higher interest does get refreshed yearly.

So it will become 1.4% for each criteria if the MAB doesn't increase instead of 1.6%? Not 0%?

Anyone not received the SAVE bonus (normally 15th of the month) in July yet?

My RHB Smart account has increment RM1k MAB, total amount ~99k MYR, and did receive multiple deposits of >1k in June (3 times on 1st June). Hibah credited on 30th June was expected amount.

Have you tap the 'Go To Rewards' page and change your rewards options? Since June, the account default option is 'Earn via Loyalty Points' instead of 'Earn via Bonus Rate'.

Similar to you, I deposit fund in June hoping to earn the promo interest rate but have not receive it. Only 2 days ago, I realize I have to opt in for 'Earn via Bonus Rate'.



This post has been edited by Yluxion: Jul 20 2025, 07:00 PM

I believe the default for existing RHB Smart accounts is "Bonus Rate", not "Loyalty Points". I read it somewhere but can't recall where exactly.

In any case, no one has received the bonus interest rate for June 2025, as they have a system glitch.

https://www.rhbgroup.com/-/media/Files/othe...H20250707-1.pdf

I have never changed this before. I received cash rebate in the previous month.


Thanks. Did not receive this through any channels (email, SMS, app), may I know how you got to know about this?