Frequently Asked Questions

1 What is this direct mailer all about?

This is an invitation from RHB Bank to our value customers to own a RHB Cash Connect Debit
Card / Premier Banking Platinum Visa Debit Card which is an international debit card. This
invitation is optional and the card can only be used upon activation by cardholder.

2 What is the benefit of RHB Cash Connect Debit Card?

 This is a multi-function card. The card can be used for ATM transaction and retail spends via
your own funds.
 It is so convenient to pay for goods or services worldwide at 29 million merchant outlets that
carry the Visa or MasterCard logo.
 A cash back of 0.5% will be given on your retail spend via Visa or MasterCard network and the
cash back will be credited into your Current or Savings account on monthly basis.
 You will continue to enjoy the prevailing interest rate on your Savings Account or any interest
bearing account.
 For better cash management and greater flexibility option is given to select different ATM
withdrawal and retail spend limit.

3 What should I do if I am interested to activate the card?

You have to activate the debit card by keying-in your ATM PIN. Upon activation, you have to
change your PIN. This change of PIN is necessary for security purpose.

Activation can only be done through ATM by keying in your existing ATM PIN. You will not be able
to activate through Phone banking IVR as per existing debit card process. This is also due to
security purpose.

4 I have tried to activate the debit card by keying in my ATM PIN but after 3 attempts, I could
not try again. How can I activate my debit card?
For security reason, your card has been held after 3 trials of PIN. You have to go to any RHB
branch to reactivate the card.

5 What is my ATM withdrawal limit and my spending limit of the Debit Card?
Your ATM withdrawal limit of the debit card is the same as your ATM card withdrawal limit and your
spending limit is defaulted to RM3,000 per day. However, you have a choice to set your ATM
withdrawal limit at RM1,000, RM2,000, RM3,000 or RM5,000 and daily spending limit at RM1,000,
RM3,000, RM5,000 or up to your available balance in your account.

If you wish to change any of the limits, you can do so at any RHB Bank branch or alternatively if
you have Phone Banking you may call up Customer Care Centre at 1300-88-SAVE (7283) and we
will update the retail spend function in your debit card.

6 What is the annual fee for the debit card?

For this campaign program, for Cash Connect debit card, the first year and subsequent years
annual fee is RM8. For Premier Banking Platinum Visa debit card, the first year annual fee is
waived; and for subsequent years annual fee, please call your Relationship Manager for further
enquiries.

7 What are the other charges imposed by the Bank for the debit card?
a) Card Replacement Fee: RM15
b) Cash Withdrawal at MEPS ATMs: RM1.00 (per withdrawal); waived for Premier Banking
Platinum Visa Debit Card
c) Cash Withdrawal at all other ATMs via Master/Visa network: RM8.00 (per withdrawal)
Frequently Asked Questions

8 What is “first time spend”?

If you make the first retail purchase in a single receipt within 120 days from the date the card is
issued (after you have activated the card), you are entitled to enjoy a Cash Back. The Cash Back
for the first time spend is 10% of the spend amount. The 10% Cash Back on the first time spending
which is capped at RM100.00 retail spend on a single receipt. The Cash Back will be credited into
your account in the following month. E.g. Your first time retail spend amount is RM90 and you will
be entitled RM9 Cash Back.

You will continue to earn the normal 0.5% Cash Back for any subsequent retail spending.

9 I do not want the debit card. Can I keep my ATM card and continue using it?
Yes. You can continue using the ATM card as long as you do not activate the debit card. There will
be no cost imposed upon you if you choose not to activate your debit card.

10 If I don’t want the debit card and continue using the ATM card, will the ATM card be
acceptable in future? Is RHB Bank phasing out the ATM card and replacing all ATM card
with debit card?
You can use the ATM card now and in future. RHB Bank is not phasing out ATM cards. However,
we do encourage you to take up debit card as ATM functions are also available in the debit card,
and you can also enjoy the benefits as mentioned in Question 2.

11 Do I need to go to the RHB branch to cancel the debit card?

You do not need to cancel or surrender the card at branches. Just do not activate the debit card.