RHB Dual Credit Card
- APR
- 15.0% – 18.0%
- Annual Fee
- $0
- Rewards
- Up to 3.0%
Enjoy the convenience of a two-in-one credit and debit card with 3% cashback on contactless payments, and no annual fees for life.
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Our Verdict
The RHB Dual Credit Card is a solid option for those who frequently use contactless payments, offering attractive cashback rates.
Pros
- 3% cashback on contactless PayWave transactions
- No annual fees for life
- Dual functionality as credit and debit card
- Flexible and widely accepted Visa network
Cons
- 1% cashback on all other transactions is low
- Interest rates between 15% to 18% may be high for some
- Limited benefits for non-contactless users
This card excels with its 3% cashback on contactless PayWave transactions, appealing to tech-savvy users. With no annual fees for life, it’s a great way to save money while enjoying rewards. The dual functionality allows seamless spending across various transactions without switching cards.
Nonetheless, the 1% cashback on other purchases is underwhelming compared to competitors offering higher rates across multiple categories. Additionally, the interest rates can be a concern; ranging from 15% to 18%, they may deter those who don't pay off their balance each month.
Customer service experiences vary, and some users report long wait times during inquiries. While the card is backed by the widely accepted Visa network, it's crucial to understand how your spending habits align with the card's rewards structure. Check more details on RHB’s official website (link).
Who It's For
Best suited for frequent contactless spenders who can pay off their balance to avoid high interest.
Watch Out
Those who carry a balance may find the interest rates on the higher side.
Summary
The RHB Dual Credit Card offers great cashback potential for contactless users but has limitations for those seeking broader rewards.
Best For
Ideal for users who prefer contactless payments and want to maximize cashback without annual fees.
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What Customers Say
Cardholders appreciate the cashback on contactless payments but wish for better rewards on other transactions.
