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TERMS & CONDITIONS
RHB Loyalty Programme is a rewards programme (hereinafter referred to as “the Programme”) designed by RHB Bank Berhad (Registration No. 196501000373 (6171-M)) (“RHB Bank”) and RHB Islamic Bank Berhad (Registration No. 200501003283 (680329-V)) (hereinafter collectively be referred to as “RHB”)
These Terms and Conditions shall be read together with the relevant terms and conditions of the RHB Credit Cards/-i Terms and Conditions which is available at https://www.rhbgroup.com/personal/cards/credit-cards/overview/index.html.

You may contact RHB Customer Contact Centre or visit any branch of RHB for clarification or assistance, if you do not understand any section of these Terms and Conditions.
  1. DEFINITIONS
    1. “Superdeals” means the redemption platform for RHB Loyalty that houses all points’ info, redemption activities. For customers without points, it also serves as a marketplace for customers to purchase items using RHB debit cards/-i / credit cards/-i. For credit card cardholder, they can also enjoy 0% installment plan for twelve (12) months for items more than RM500.
    2. “Flight Rewards” means the transfer of LoyaltyPlus Points and/or Loyalty Points to the participating airline(s) available for frequent flyers on such airline(s).
    3. “Non-Flight Rewards” means all rewards, other than the Flight Rewards, provided by the Programme, which includes dining, shopping, travel, annual fee waiver and On-The-Spot Redemption.
    4. “On-The-Spot Redemption” means the cardmember/ cardholders’ redemption of rewards under the Programme directly from the service establishment.
    5. “LoyaltyPlus Points and/or Loyalty Points” means the points that customers earn / accumulate for them to redeem their desired items at RHB Superdeals. (Note: The existing RHB Reward Credit Cards/-i will continue to earn LoyaltyPlus Points and/or Loyalty Points based on Card Value Proposition (CVP) as per product terms & conditions which will be combined with RHB LoyaltyPlus Points and/or Loyalty Points earned from various retail product campaigns.)
    6. “RHB” means RHB BANK BERHAD (Registration No. 196501000373 (6171-M)) and RHB ISLAMIC BANK BERHAD (Registration No. 200501003283 (680329-V)), both are licensed bank incorporated under the laws of Malaysia and having its registered address at Level 10, Tower One, RHB Centre, Jalan Tun Razak, 50400 Kuala Lumpur and its business address at Card Centre office at Level 3 Tower 3 RHB Centre 50400 Kuala Lumpur and its successors in title and assigns.
    7. “RHB Customer Contact Centre” means the touchpoint for matters relating to any RHB credit card/-i, which can be reached by telephone at +603-9206 8118 or by email at customer.service@rhbgroup.com.
    8. “Financial Markets Ombudsman Service (FMOS) (Formally known as Ombudsman for Financial Services)” refers to the operator of the Financial Ombudsman Scheme approved by Bank Negara Malaysia (BNM), which functions as an alternative dispute resolution channel to resolve disputes between financial consumers and financial service providers licensed or approved by BNM, with its address at Level 14, Main Block, Menara Takaful Malaysia, No 4, Jalan Sultan Sulaiman, 50000 Kuala Lumpur and which can be reached by telephone at +603-2272 2811, or by web form at https://www.fmos.org.my/en/feedback.html.
    9. “service establishment” means, collectively, the service establishment and/or supplier, which supplies the goods or services to be redeemed under the On-The-Spot Redemption.
    10. “working day” means a day on which RHB is open for business in Kuala Lumpur.
  2. VALIDITY OF RHB LOYALTYPLUS  POINTS & LOYALTY POINTS
    1. RHB LoyaltyPlus Points and/or Loyalty Points has a three (3) years expiration period. RHB LoyaltyPlus Points and/or Loyalty Points earned in a particular month are valid until the end of third (3rd) year of the calendar month.
    2. The expiry date for RHB LoyaltyPlus Points and/or Loyalty Points earned will be the last day of the month according to the respective validity period of the RHB LoyaltyPlus Points and/or Loyalty Points.
    3. All RHB LoyaltyPlus Points and/or Loyalty Points should be redeemed prior to expiry. The applicable expiry date will be shown in the customers’ loyalty account and any unused RHB LoyaltyPlus Points and/or Loyalty Points earned and accumulated will NOT be carried forward to the following year or will be brought to the number zero upon expiry.
    4. The validity period of any unused and expired RHB LoyaltyPlus Points and/or Loyalty Points will NOT be extended.
  3. ELIGIBILITY
    All customers who hold any RHB product(s) with accounts in good standing (meaning there is no overdue payment or the card limit is not exceeded) are eligible for the Programme.
  4. LOYALTYPLUS  POINTS / LOYALTY POINTS EARNED
    1. Under the Programme, all RHB customers who hold any product(s) as determined and notified by RHB to be eligible for Superdeals will, unless excluded below, earn RHB LoyaltyPlus Points and/or Loyalty Points based on campaigns criteria organized by RHB.
    2. All transactions (local and international) which meet the campaigns criteria will be qualified for the RHB LoyaltyPlus Points and/or Loyalty Points which are not transferrable to any other person or entity. The RHB LoyaltyPlus Points and/or Loyalty Points earned have no cash or monetary value.
    3. RHB may change the rate of RHB LoyaltyPlus Points and/or Loyalty Points earned from time to time by giving prior written notice of at least twenty-one (21) calendar days to the Customer, or published at www.rhbrewards.com.my or in any other manner we deem fit.
    4. Adjustments will be made to the RHB LoyaltyPlus Points and/or Loyalty Points accrued in the customers’ account if there are any credit(s) or debit(s) posted to the customers’ account, including those arising from returned goods or service or from billing disputes. Any disputed transactions/billings will not be accredited with RHB LoyaltyPlus Points and/or Loyalty Points.
    5. Whether transactions are made in Malaysia or abroad, RHB LoyaltyPlus Points and/or Loyalty Points will be earned on the amount debited to the customers’ account in Ringgit Malaysia for all spendings and/or transactions eligible for the earning of the RHB LoyaltyPlus Points and/or Loyalty Points.
    6. RHB may change the number of RHB LoyaltyPlus Points and/or Loyalty Points, or where applicable, the number of RHB LoyaltyPlus Points and/or Loyalty Points plus Ringgit values, that are required to redeem any of the items in Superdeals by giving prior written notice of at least twenty-one (21) calendar days to Customer, published at www.rhbrewards.com.my or in any other manner we deem fit.
  5. LOYALTYPLUS  POINTS / LOYALTY POINTS REDEMPTION
    1. All RHB accounts must be in good standing (meaning there is no overdue payment or the card limit is not exceeded) and not cancelled or terminated by RHB or the customers at the time of a redemption request (including a request to transfer the RHB LoyaltyPlus Points and/or Loyalty Points to any participating airline’s frequent flyer programme).
    2. When redeeming the RHB LoyaltyPlus Points and/or Loyalty Points, RHB will deduct the RHB LoyaltyPlus Points and/or Loyalty Points earned in order of date so that the earliest accumulated Loyalty Points will be redeemed first.
    3. For credit card products, RHB LoyaltyPlus Points and/or Loyalty Points accumulated in the principal and supplementary cardmember/ cardholder’s VISA or MasterCard card account can only be redeemed by the principal cardmember/ cardholder.
    4. Upon redeeming a reward, the customer is responsible in respect of the use of the reward redeemed.
    5. Any request for redemption under Superdeals, once accepted by RHB, cannot be revoked or exchanged. All points/money involved in the redemption under Superdeals will not be credited back into the customer’s account.
    6. RHB may appoint a third party vendor(s) to handle Superdeals and the arrangement to deliver goods and services to the customer. Customer’s name, delivery or billing address, contact numbers and email addresses are provided to such vendor(s) for the purpose of verification and arrangement of the delivery of goods and services to the customer under Superdeals. By completing the request for redemption under Superdeals, the customer has expressly consented to RHB releasing the said information to such vendor(s) for such purpose.
    7. If there is any dispute concerning goods or services redeemed under Superdeals, the customer may refer such dispute to RHB Customer Contact Centre or Customer Advocacy. The customer may reach out to the Ombudsman for Financial Services for any further dispute.
    8. Only principal cardmember / cardholder can perform redemption under Superdeals. Supplementary cardmember / cardholder is not allowed to perform redemption.
    9. All redeemed items accepted in good condition are strictly non-returnable and non-exchangeable. If there is a manufacturing defect, customers must return the defective item to the service establishment within seven (7) calendar days upon receipt of such items.
    10. If an eligible customer, who has more than one (1) product with RHB, voluntarily cancels any such account and at least one (1) account with RHB remains, any RHB LoyaltyPlus Points and/or Loyalty Points accrued in Superdeals to the cancelled account may, by notice to the customer, be remained under the customer’s name.
    11. If the customer’s choice of colour, model or style of item to be redeemed is unavailable, RHB will replace it with a substitute of equal value. All items are available while stock lasts and RHB may withdraw any item shown in Superdeals from time to time by giving prior written notice of at least twenty-one (21) calendar days and stating in the notice the reason(s) for such withdrawal.
    12. There is NO TRIAL PERIOD FOR ALL REWARDS ITEMS REDEEMED UNDER SUPERDEALS.
    13. Products shown in Superdeals are for illustration purposes only.
  6. REDEEMING NON-FLIGHT REWARDS
    1. All rewards are subject to availability and any restrictions which may apply as to where and when the rewards can be redeemed. (Please note that RHB or service establishments may impose such restrictions, which restrictions will be notified to the customer).
    2. The customer is responsible for any additional meal, transportation, accommodation or other arrangements made in connection with the redemption of any reward under Superdeals, save where such additional meal, transportation, accommodation or other arrangements is/are required due to the act, omission, default, negligence and/or misconduct on the part of RHB and/or any of its employees, representatives and agents.
    3. If the reward is a cash voucher and if the purchase is in excess of the value noted on the cash voucher, the customer can use his/her/its RHB Visa or MasterCard card to pay the difference to the service establishment.
    4. Issuance of any dining, travel or hotel/resort reward voucher does not constitute a reservation with the service establishments. The customer is responsible for making all reservations and notifying the service establishments of the reward(s) he/she/it is going to redeem.
    5. The reward vouchers/letters of redemption are valid for use until the date specified on the reward vouchers/letter of redemption. Any reward voucher/letter of redemption which remains unused after this date will automatically lapse and will not be replaced. The use of the reward vouchers/letters of redemption are subject to these terms and conditions.
    6. The reward vouchers/letters of redemption are valid for use at participating merchants under Superdeals and only for the specific matters mentioned under Superdeals and notified to the customer.
    7. Redeemed vouchers are not exchangeable for other rewards, not refundable, not replaceable, and not transferrable for cash or credit.
    8. RHB will NOT (a) replace; or (b) place a hold or freeze status on, any misplaced, lost or stolen reward voucher, letter of redemption or ticket, which are not due to the the act, omission, default, negligence and/or misconduct on the part of RHB and/or any of its employees, representatives and agents.
    9. RHB may cancel or extend the rewards featured in Superdeals by giving prior notice of at least twenty-one (21) calendar days and stating in the notice the reason(s) for such cancellation or extension.
  7. REDEEMING FLIGHT REWARDS
    1. Only customers who have successfully registered with the participating airline’s frequent flyer programme will be able to redeem Flight Rewards. Customers who wish to register may do so by registering themselves at respective airline’s corporate website or completing a physical application form, which is available at the respective airline’s offices or download through the respective airline’s corporate website.
    2. All RHB LoyaltyPlus Points and/or Loyalty Points successfully converted and transferred to the participating airline’s frequent flyer points/miles cannot be reversed.
    3. It is the sole responsibility of the customer to ensure his/her/its frequent flyer membership is valid and correct.
    4. Please allow fourteen (14) calendar days for the conversion and transfer of the RHB LoyaltyPlus Points and/or Loyalty Points to any frequent flyer award points from the date of RHB’s receipt of the application for such conversion and transfer.
    5. Customers must comply with the terms and conditions of the relevant participating airline’s frequent flyer programme. Customers may contact the participating airline for more information on such terms and conditions.
  8. DELIVERY
    1. The manufacturer or supplier’s normal terms and conditions of business will cover all goods and services supplied. Except where the law provides otherwise or where the defect or delay is due to the act, omission, default, negligence and/or misconduct on the part of RHB and/or any of its employees, representatives and agents, RHB will not be responsible for the quality or suitability of the goods or services or for any delay in delivery.
    2. Delivery of reward voucher(s) or item(s) is deemed to be made if presented at the address furnished by the customer in his/her/its online application and if sent by post or courier within twenty-one (21) working days after posting unless there is contrary evidence that such reward voucher(s) or item(s) was/were in fact not delivered.
    3. Reward voucher(s) or item(s) WILL NOT be delivered to addresses bearing a Post Office Box number and/or overseas address.
    4. If RHB attempts to re-send or redeliver the reward(s) or item(s) to the customer and such reward(s) or item(s) is/are again returned undelivered to RHB after the second (2nd) attempt of delivery, RHB will not further attempt to send or deliver the said reward(s) or item(s) until a valid address is furnished by the customer.
    5. If the customer fails to provide RHB with a valid address to accept delivery within twenty-one (21) working days from the date the reward(s) or item(s) is/are returned undelivered to RHB, the reward(s) or item(s) and the LoyaltyPlus Points and/or Loyalty Point used to redeem the said reward(s) or item(s) will be deemed forfeited.
    6. Any redeemed reward(s) or item(s) not received by the customer must be reported to RHB within thirty (30) calendar days from the date the online application was submitted.
    7. Proof of delivery of reward(s) or item(s) is by the way of written acknowledgement of receipt for such reward(s) or item(s) by any occupant or any recipient at the delivery address and where such address is an office, the receipt by any office staff will be deemed to be the acknowledgement of the customer.
    8. Customers must keep the original courier consignment note, flyer and original packaging for any inquiries or claim. If there is any dispute in any reward(s) or item(s) or if any reward(s) or item(s) is/are not received, RHB, supplier or courier company will require such original documents for investigation purposes. Failure to provide those documents may affect the investigation.
  9. REDEEMING ANNUAL FEE AND CARD SERVICE TAX
    1. Redemption of the annual fee can be exercised only upon renewal of the card account.
    2. Card Service Tax will be imposed to credit card/-i in accordance with the Service Tax Act 2018.
    3. Annual fee and Card Service Tax can be redeemed only after being posted into the cardmember/ cardholder’s credit card/-i statement.
    4. Seven (7) working days will be required for the reversal to be reflected in the credit card/-i account.
  10. TERMINATION
    1. RHB may terminate the Programme by giving at least twenty-one (21) calendar days’ prior notice to the customer and stating in the notice the reason(s) for such termination
    2. Such notice may be effected by:-
      1. displaying such notice at the premises of RHB or its branch offices; or
      2. mailing such notice to the customer; or
      3. sending such notice by Short Message System or electronic mail to the customer; or
      4. posting such notice on RHB’s website.
    3. Termination of the Programme will take effect on the date stated in the notice. The customer must use any outstanding Reward Points and/or Loyalty Points before the termination date.
  11. GENERAL
    1. RHB reserves the right in its discretion to change or amend the Programme terms and conditions at any time with twenty-one (21) days prior notice to Customer(s) via RHB official website or any other means of communication that may deemed appropriate by RHB without assigning any reason whatsoever to Customer(s)
    2. RHB is not responsible for any claims, loss, cost, expense or damages of whatsoever nature resulting from the redemption of either Flight Rewards or Non-Flight Rewards, save where such claims, loss, cost, expense or damages is/are due to the act, omission, default, negligence and/or misconduct on the part of RHB and/or any of its employees, representatives and agents.
    3. RHB may cancel, change or substitute any reward items featured in Superdeals.
    4. Suspected or actual fraud and/or suspected or actual abuse of the accumulation of RHB LoyaltyPlus Points and/or Loyalty Points in the Programme or redemption of rewards (including transfer of RHB LoyaltyPlus Points and/or Loyalty Points to any participating airline’s frequent flyers programme), may result in forfeiture of accumulated RHB LoyaltyPlus Points and/or Loyalty Points as well as cancellation of a customer’s participation in the Programme.
    5. All questions or disputes regarding the eligibility for the Programme or the eligibility for RHB LoyaltyPlus Points and/or Loyalty Points or redemption of rewards (including transfer of RHB LoyaltyPlus Points and/or Loyalty Points to any participating airline’s frequent flyers programme) will be determined by RHB after having taken into account the necessary documentary evidence.
    6. RHB will not be responsible for any delay in the posting of the transactions and/or the accrual of RHB LoyaltyPlus Points and/or Loyalty Points under the Programme, save where such delay is due to the act, omission, default, negligence and/or misconduct on the part of RHB and/or any of its employees, representatives and agents.
    7. If any customer’s account is not in good standing (meaning there is any overdue payment or the card limit is exceeded), the customer’s participation in the Programme may be cancelled or the RHB LoyaltyPlus Points and/or Loyalty Points accrued in the customer’s account may be forfeited by a prior written notice to the customer. A customer’s participation in the Programme may also be cancelled and the RHB LoyaltyPlus Points and/or Loyalty Points accrued may be forfeited due to the customer’s failure to adhere to these terms and conditions, by a prior written notice to the customer.
    8. If a customer cancels all products from RHB or if for any reason due to the customer’s act, omission, default, negligence and/or misconduct, RHB cancels any accounts, any RHB LoyaltyPlus Points and/or Loyalty Points accrued to the customer’s account will be cancelled and will not be capable of conversion or redemption.
    9. All redemptions are subject to the accumulation of sufficient RHB LoyaltyPlus Points and/or Loyalty Points and RHB’s final acceptance. A request for redemption will be cancelled automatically if the RHB LoyaltyPlus Points and/or Loyalty Points insufficient for such redemption. Once RHB has accepted a redemption request, it cannot be cancelled or changed.
    10. RHB LoyaltyPlus Points and/or Loyalty Points earned on separate RHB accounts in the customer’s name (provided that these products are participating in the Programme) may be combined or used under the Programme.
    11. All RHB LoyaltyPlus Points and/or Loyalty Points redemptions will be subject to RHB Loyalty Programme Terms & Conditions which are available at www.rhbgroup.com.