Watch your wealth grow with every step.

Enjoy returns of up to 6.85% p.a. with RHB Smart Account/-i.
Simply maintain a minimum of RM1,000, then save, sign up for Joy@Work,
pay bills, spend, convert, trade, or invest.
Skip the queue and apply online via RHB Mobile Banking today!

Campaign Period:
1 February 2025 – 31 December 2025

Here’s how you can maximise your monthly returns.

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

	Monthly Average Balances	<RM10,000	RM10,000 - RM49,999.99	RM50,000 - RM100,000	Maximum Rates
Level 1	Mandatory requirements^* Base Rates 0.05% p.a. Maintain a minimum account balance of RM1,000	0.05% p.a.
Level 1	Bonus Rates 1.00% p.a. Minimum deposit of RM2,000 Learn More	1.00% p.a.
Additional Bonus	Bonus Rates 1.00% p.a. Maintain Joy@Work status as active Learn More	1.00% p.a.
Level 2	Meet up to a maximum of 3 pillars from the below: Spend a minimum of RM1,000 with RHB Cards/-i Learn More OR	Up to 0.50% p.a.^** per pillar achieved	Up to 1.00% p.a.^** per pillar achieved	Up to 1.60% p.a.^** per pillar achieved	Up to 4.80% p.a. 6.85% p.a.
	Pay at least 3 bills via RHB Online Banking or RHB Mobile Banking App with a minimum of RM25 Learn More OR
	Convert a minimum of RM3,000 to foreign currency Learn More OR
	Trade with a minimum of RM100 brokerage fee via RHB Investment Bank Learn More
* Mandatory requirements to unlock other bonus payouts and qualify for Level 2. Applicable to customers who increase their Monthly Average Balances by more than RM1,000 compared to the previous month to qualify for an additional 0.20% p.a. Bonus Breakdown • Level 1: Earn up to 1.05% p.a. • Level 2: Maximum bonus of 4.80% p.a. (Achieved by meeting all 3 pillars) • Additional Bonus: Maximum Bonus of 1.00%p.a. • Total Maximum Bonus: Up to 6.85% p.a.** (Level 1 + Level 2 + Additional Bonus)

RM10,000 - RM49,999.99	RM50,000 - RM100,000	Maximum Rates
0.05% p.a.
1.00% p.a.
1.00% p.a.
Up to 1.00% p.a.^** per pillar achieved	Up to 1.60% p.a.^** per pillar achieved	Up to 4.80% p.a. 6.85% p.a.
			* Mandatory requirements to unlock other bonus payouts and qualify for Level 2. Applicable to customers who increase their Monthly Average Balances by more than RM1,000 compared to the previous month to qualify for an additional 0.20% p.a. Bonus Breakdown • Level 1: Earn up to 2.05% p.a. • Level 2: Maximum bonus of 4.80% p.a. (Achieved by meeting all 3 pillars) • Total Maximum Bonus: Up to 6.85% p.a.** (Level 1 + Level 2)

	Monthly Average Balances	<RM10,000
Level 1	Mandatory requirements^* Base Rates 0.05% p.a. Maintain a minimum account balance of RM1,000	0.05% p.a.
Level 1	Bonus Rates 1.00% p.a. Minimum deposit of RM2,000 Learn More	1.00% p.a.
Additional Bonus	Bonus Rates 1.00% p.a. Maintain Joy@Work status as active Learn More	1.00% p.a.
Level 2	Meet up to a maximum of 3 pillars from the below: Spend a minimum of RM1,000 with RHB Cards/-i Learn More OR	Up to 0.50% p.a.^** per pillar achieved
	Pay at least 3 bills via RHB Online Banking or RHB Mobile Banking App with a minimum of RM25 Learn More OR
	Convert a minimum of RM3,000 to foreign currency Learn More OR
	Trade with a minimum of RM100 brokerage fee via RHB Investment Bank Learn More
* Mandatory requirements to unlock other bonus payouts and qualify for Level 2. Applicable to customers who increase their Monthly Average Balances by more than RM1,000 compared to the previous month to qualify for an additional 0.20% p.a. Bonus Breakdown • Level 1: Earn up to 2.05% p.a. • Level 2: Maximum bonus of 4.80% p.a. (Achieved by meeting all 3 pillars) • Additional Bonus: Maximum Bonus of 1.00% p.a. • Total Maximum Bonus: Up to 6.85% p.a.** (Level 1 + Level 2 + Additional Bonus)

RM10,000 - RM49,999.99	RM50,000 - RM100,000	Maximum Rates
0.05% p.a.
1.00% p.a.
1.00% p.a.
Up to 1.00% p.a.^** per pillar achieved	Up to 1.60% p.a.^** per pillar achieved	Up to 4.80% p.a. 6.85% p.a.
			* Mandatory requirements to unlock other bonus payouts and qualify for Level 2. Applicable to customers who increase their Monthly Average Balances by more than RM1,000 compared to the previous month to qualify for an additional 0.20% p.a. Bonus Breakdown • Level 1: Earn up to 2.05% p.a. • Level 2: Maximum bonus of 4.80% p.a. (Achieved by meeting all 3 pillars) • Total Maximum Bonus: Up to 6.85% p.a.** (Level 1 + Level 2)

	Monthly Average Balances	<RM10,000
Level 1	Mandatory requirements^* Base Rates 0.05% p.a. Maintain a minimum account balance of RM1,000	0.05% p.a.
Level 1	Bonus Rates 1.00% p.a. Minimum deposit of RM2,000 Learn More	1.00% p.a.
Additional Bonus	Bonus Rates 1.00% p.a. Maintain Joy@Work status as active Learn More	1.00% p.a.
Level 2	Meet up to a maximum of 3 pillars from the below: Spend a minimum of RM1,000 with RHB Cards/-i Learn More OR	Up to 0.50% p.a.^** per pillar achieved
	Pay at least 3 bills via RHB Online Banking or RHB Mobile Banking App with a minimum of RM25 Learn More OR
	Convert a minimum of RM3,000 to foreign currency Learn More OR
	Trade with a minimum of RM100 brokerage fee via RHB Investment Bank Learn More
* Mandatory requirements to unlock other bonus payouts and qualify for Level 2. Applicable to customers who increase their Monthly Average Balances by more than RM1,000 compared to the previous month to qualify for an additional 0.20% p.a. Bonus Breakdown • Level 1: Earn up to 2.05% p.a. • Level 2: Maximum bonus of 4.80% p.a. (Achieved by meeting all 3 pillars) • Additional Bonus: Maximum Bonus of 1.00% p.a. • Total Maximum Bonus: Up to 6.85% p.a.** (Level 1 + Level 2 + Additional Bonus)

RM10,000 - RM49,999.99	RM50,000 - RM100,000	Maximum Rates
0.05% p.a.
1.00% p.a.
1.00% p.a.
Up to 1.00% p.a.^** per pillar achieved	Up to 1.60% p.a.^** per pillar achieved	Up to 4.80% p.a. 6.85% p.a.
			* Mandatory requirements to unlock other bonus payouts and qualify for Level 2. Applicable to customers who increase their Monthly Average Balances by more than RM1,000 compared to the previous month to qualify for an additional 0.20% p.a. Bonus Breakdown • Level 1: Earn up to 2.05% p.a. • Level 2: Maximum bonus of 4.80% p.a. (Achieved by meeting all 3 pillars) • Total Maximum Bonus: Up to 6.85% p.a.** (Level 1 + Level 2)

Boost your wealth further.

Achieve your financial goals with our wealth creation solutions.
Enjoy bonus rate of 1% when you invest in selected RHB Investment products²
with a minimum net investment of RM1,000 per month.³

Benefits of RHB Smart Account/-i.

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, or invest.

RHB Online Banking

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

Bonus Interest/Profit

The more you transact with RHB Smart Account/-i, the higher your bonus rate grows.

RHB Debit Card/-i

Go cashless and enjoy exclusive benefits with RHB Debit Card/-i.

Online Account Opening

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

e-Statements

Receive complimentary
e-statements.

Discover more JOY with RHB Joy@Work and enjoy a host of great privileges!

1.	Enjoy better rates when you apply for Personal Financing, Auto Financing and Term Deposit.
2.	Pay no annual fees for Debit or Credit Cards/-i and enjoy low interest/actual management fee for all RHB Credit Card/-i holders.

RHB Smart Account/-i Calculator

Want to know how much bonus rate you can earn? Use our calculator to find out.

Base Rates %

Monthly Average Balance
Minimum RM1,000

Features

Bonus Rates %

Deposit a minimum
of RM2,000 monthly¹

Maintain Joy@Work
status as active

Spend a minimum of
RM1,000 with RHB Cards/-i

Pay at least 3 bills via RHB Online Banking
or RHB Mobile Banking App with a
minimum of RM25

Convert a minimum of
RM3,000 to foreign currency

Trade with a minimum
of RM100 brokerage fee
via RHB Investment Bank

Total Bonus Rates^*
*maximum at 4.80% p.a.

Total Interest/Profit earned

Invest in selected
RHB Investment products²

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.

RHB Smart Campaign Terms & Conditions apply. Campaign runs from 1 February 2025 to 31 December 2025. Eligible for selected RHB Customers. The Participant(s) is required to fulfil the qualifying requirements as defined in the RHB Smart Campaign Terms & Conditions. For full Terms & Conditions, please click here.

¹ Mandatory requirement to qualify for other bonus payouts: Minimum initial deposit for RHB Smart Account/-i is RM1,000. Maintain a minimum account balance of RM1,000 and get 0.05% p.a. on your daily account balance. It is mandatory to deposit a minimum of RM2,000 on a monthly basis in order to qualify for other bonus payouts. The Base Rate is calculated daily and credited monthly.

Bonus payouts are based on the monthly average account balance up to RM100,000. Bonus Payout earned will be credited as defined in the RHB Smart Campaign Terms & Conditions. For full Terms & Conditions, please click here.

² Ringgit Malaysia-denominated investment product transactions, such as non-Employees Provident Fund (EPF) Investment, Private Retirement Schemes (PRS), and Unit Trust (UT) funds, which encompass funds distributed by RHB (excluding ASNB-VP funds), with a minimum sales charge of 4% and above, are eligible.

³ Bonus payout is based on 1% of the net investment amount. The bonus payout is an additional payout on top of the 6.85% p.a.

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

Watch your wealth grow with every step.

Here’s how you can maximise your monthly returns.

Bonus Breakdown

Bonus Breakdown

Higher Bonus Rate

RHB Online Banking

Bonus Interest/Profit

RHB Debit Card/-i

Online Account Opening

e-Statements

Base Rates %

Monthly Average Balance Minimum RM1,000

Features

Bonus Rates %

Deposit a minimum of RM2,000 monthly1

Maintain Joy@Work status as active

Spend a minimum of RM1,000 with RHB Cards/-i

Pay at least 3 bills via RHB Online Banking or RHB Mobile Banking App with a minimum of RM25

Convert a minimum of RM3,000 to foreign currency

Trade with a minimum of RM100 brokerage fee via RHB Investment Bank

Total Bonus Rates* *maximum at 4.80% p.a.