In this Agreement, the definition of terms shall be as set out below, except where the context otherwise requires:
“Air Miles” means points earned by the Cardmember in respect of expenditure charged to the Card.
“Award” means the award of Air Miles to reward points to Cardmembers issued by RHB Bank Berhad (“RHB Bank”) by the participating partners and/or RHB Bank.
“Card” means RHB Travel Money Credit Card issued by RHB Bank.
“Cardmember” means the holder of the Card which shall include Supplementary Card(s).
“Cash Back” means cash earned by the Cardmember in respect of petrol transaction charged to the Card.
“Maximum Cash Back” means the maximum amount of cash that can be earned by the Cardmember within one Card billing cycle to another.
“Participating Merchant” means the agreement between RHB Bank and the Partner Merchant in respect of the Travel Money Air Miles Programme.
Under the Card, the Cardmember shall be eligible to participate in the Cash Back and Air Miles reward programme offered by RHB Bank.
Subject to the terms herein, Cardmembers shall be eligible for Cash Back rewards pursuant to the following terms and conditions:-
2% Cash Back is awarded to Cardmembers for payment of petrol at any stations nationwide
The Cash Back is accumulated on a monthly basis.
Maximum Cash Back is calculated at 20% of total monthly retail spending, which is capped at RM60 (Ringgit Malaysia Sixty only) per month.
Both Principal and Supplementary Cardmember’s Cash Back will be accumulated to a maximum limit of RM60 per Principal Card account per month.
RHB Bank shall have the right at its sole and absolute discretion to modify and/or alter the Cash Back percentages without prior notice to the Cardmembers and such modifications and alterations shall be effective on such date or dates as shall be determined by RHB Bank.
Illustration:
Scenarios
Monthly Total Spend
Petrol Spend
Capping 20%
Maximum Cash Back
2% Cash Back
1
RM5,000
RM2,000
RM1,000
RM60
RM20
2
RM15,000
RM3,000
RM3,000
RM60
RM60
3
RM2,000
RM0
RM400
RM60
RM0
Additional Cash Back may be given from time to time on tactical campaigns.
Cash Back accumulated by Supplementary Cardmembers of Card will be credited into the Principal Cardmembers of Card. The total rewards accumulated by the Supplementary Cardmember will be reflected in the Principal Cardmembers monthly credit card billing statement.
Void or cancelled transactions are not entitled to Cash Back.
Cash Back awarded to Cardmember by RHB Bank is final.
Subject to the terms herein, Cardmembers shall be eligible for Air Miles rewards pursuant to the following terms and conditions:-
The Air Miles awarded to active Cardmembers will be valid for 2 years from the year the Air Miles is being awarded. The Air Miles earn can only be accumulated and redeemed against RHB Bank partnering travel agent’s travel packages or RHB Bank catalogue offerings. For redemption of Air Miles, Cardmembers will have to call RHB Travel Money Redemption Hotline at 03-92068118 or 082-276118 (for normal redemption) or 03-62866000 (for travel/holiday packages).
All Air Miles awarded and earned by Cardmembers will be awarded at the Card account. Cardmembers will be able to view the total accumulated Air Miles by:
Viewing the balance of Air Miles on the monthly Travel Money Credit Card statement under column “REWARDS” (Air Miles = Rewards).
For the avoidance of doubt, dispute and not withstanding any clause or provision in terms of the inconsistency of the Air Miles balance amount stipulated or printed on the credit card transaction payment receipt, statement, payment or redemption terminal from any of the Air Miles participating merchants outlet against the Air Miles recorded in the RHB Credit Card system shall prevail to the extent of such inconsistency. RHB Bank reserves the right to amend, adjust and cancel the Air Miles at its sole discretion without any prior notice given.
Air Miles redemption / On-The-Spot redemption is applicable only to existing Principal Cardmembers. All existing and valid Cardmembers will have to go through the authentication, identification or verification process and upon being successfully accepted by the customer service personnel as the genuine cardmember then the said Cardmember is allowed to perform the Travel Money redemptions.
Awards shall be made by Partner Merchants (including RHB Bank in its capacity as a Partner Merchant) for the purchase of goods and/or services by the Cardmembers from the Partner Merchants in accordance with these Terms and Conditions, the Partner Merchant’s Agreement, and the Partner Merchant’s Terms and Conditions. The Partner Merchants shall make Awards by crediting the Air Miles with the relevant percentage of the merchant funding rate agreed by RHB Bank. Air Miles cannot be credited into any account other than the Cardmembers Air Miles Loyalty Account. Notwithstanding the foregoing, RHB Bank may, at its sole discretion, award Air Miles to the Cardmembers pursuant to these Terms and Conditions and subject to such additional terms as may be imposed by RHB Bank at its discretion.
Partner Merchants may require a Cardmember to produce a valid Card before making an Award. Partner Merchants may, subject to the prior written approval by RHB Bank.
Determine the terms and conditions under which they will make Awards (the Partner Merchant’s Terms and Conditions”); and
Amend or vary their Partner Merchant’s Terms and Conditions.
RHB Bank shall not be held responsible for any delay or failure on the part of the Partner Merchants in making Awards or in notifying RHB Bank of the Air Miles awarded to Cardmembers.
An Award shall be valid only if, at the time of the Award, the Partner Merchant making the Award:
Is party to a valid and existing Partner Merchant’s Agreement; and
Is not in breach of the Partner Merchant’s Agreement whether or not RHB Bank has notice of or has given notice to the Partner Merchant of any breach by the Partner Merchant.
The Air Miles participating merchants are under the sole discretion of RHB Bank. RHB Bank has the right to add, reduce or cancel any participating merchants from the Air Miles Programme at any time without notice given.
Each Air Miles awarded shall be valid for 2 years from the year of the Award and shall expire thereafter. Air Miles that is not redeemed by its expiry date shall be automatically cancelled. RHB Bank may from time to time change the period of validity of the Air Miles without notice to the Cardmember. Expired Air Miles will not be redeemable for cash or credit. Expired Air Miles is not transferable. The Air Miles accumulated will expire upon the 2 years accumulation period and no refund, extension, compensation and notices will be given.
Unless otherwise specified or allowed, all awards of Air Miles are not to be used in conjunction with any other promotions, discounts or vouchers. All deals / merchandise redeemed by Cardmembers or booked by Cardmembers via the redemption hotline are subject to the terms and conditions of RHB Bank. All confirmed bookings are not refundable or exchangeable and seat reservations are subject to the terms and conditions imposed by the partnering travel agency.
All redemption bookings are required to be made by each individual Cardmember by calling the RHB Travel Money Redemption Hotline 03-92068118 or 082-276118 (for normal redemptions) or 03-62866000 (for travel / holiday packages). RHB Bank has the right to reject or cancel any redemption received at its sole discretion without giving any reason or notice whatsoever.
The Air Miles will be deducted from the Cardmembers’ Air Miles accumulation account upon confirmation of the redemption. Upon confirmation of travel/holiday package Cardmember will be given a flight confirmation or booking number via telephone confirmation or e-mail. No cancellation, amendment exchange is allowed once the redemption has been confirmed. RHB Bank will only be responsible for the redemption of the Air Miles. Therefore is not responsible for the complaints, disputes, comments or all other matters related to the partnering travel agent's services, customer services, flight route and all other services, pricing of flights, holiday packages, availability of flight seats, destination and all other matters related to the partnering travel agent's nature of business or determined by RHB Bank, will be managed by partnering travel agent.
In determining the amount paid for the purchase of goods and/or services for purposes of calculation of Air Miles, petrol purchases, annual card membership fees, interest, late payment charges, GST, cash advances, and other fees and charges and purchases from the non-participating partner merchants outlets shall not be taken into account provided always that RHB Bank is entitled, in its absolute discretion, at any time and from time to time and without notice and without giving any reason, to take into account any card transaction or charges or purchase in the calculation of Air Miles.
Redemption may only be made upon verification of the Cardmember's identity by RHB Bank in accordance with these Terms and Conditions or the Partner Merchant's Agreement.
RHB Bank may require Cardmembers to produce their valid Card or verification details before processing any redemption.
RHB Reward Points awarded on purchases at non-participating merchant outlet awarded to Cardmembers are not mutually exchangeable or transferable and cannot be used in substitution of each other for purposes of redemption or any other purpose.
Any dispute arising from or relating to any awarding of the Air Miles shall be settled between the Cardmember and Partner Merchant. RHB Bank shall not be liable for any claim arising from or relating to any redemption.
RHB Bank shall not be responsible for any unauthorised redemption or any other transaction involving Air Miles howsoever arising (even if the Cardmember had informed RHB Bank that the Card had been lost or stolen).
For certain Partner Merchants (as may be determined by RHB Bank or the Partner Merchant from time to time), Cardmember acknowledges and agrees that any redemption by Cardmember must be made in full (and no partial redemption is permitted).
Air Miles awarded is valid for 2 years from the date the Air Miles is awarded and shall expire and no longer be valid upon expiry. All or any correspondence pertaining to the expired Air Miles will not be entertained.
All redemptions are subject to availability of flights and are on first come first basis. RHB Bank has the right to cancel, amend or substitute the destinations of the Travel Money flight redemption tickets at any point of time without any prior notices given. Cardmembers are required to quote the booking number to board the plane for the redeemed ticket(s).
Air Miles and all other points of award by RHB Bank will cease to be valid after the Card has been cancelled. For the avoidance of doubt, the Cardmember shall not be entitled to any compensation in respect of such cancellation.
No redemption is allowed upon the Card cancellation or during an inactive card status so determined by RHB Bank.
The RHB Rewards programme of RM1 = 1 RHB Air Miles will be awarded to Cardmembers when they spend with the Card and all other non Air Miles participating merchants. All rewards programme terms and conditions shall apply.
Cardmembers are required to provide authentication provided by the partnering travel
agent to proceed with their bookings.
Cash Back afforded to Cardmembers for transactions made under the Cash Back programme are in lieu of Air Miles usually associated with the Card unless stated otherwise.
Cash Back and Air Miles Programme is applicable to the Principal and Supplementary Cardmembers with active and good conduct of account, not blocked, cancelled or terminated by RHB Bank.
Cash Back and Air Miles awarded are not redeemable for cash or credit and not transferable. The Cash Back and Air Miles awarded to Cardmembers are not mutually exchangeable or transferable and cannot be used in substitution of each other for purposes of redemption.
Without prejudice to the generality of the foregoing clauses in these Terms and Conditions, if any one or more of the following shall occur:
The Cardmember abuses the Programme in any manner whatsoever; or
The Cardmember commits any fraud or misrepresents any information supplied or to be supplied by the Cardmember.
Then RHB Bank shall be entitled to revoke all rights accorded to the Cardmember under the Card.
RHB Bank’s decision is final and no correspondence disputing RHB Bank’s decision will be entertained.
RHB Bank reserves the absolute right at any time to add, alter, modify, change or vary the terms and conditions contained herein, wholly or in part without assigning any reasons thereto and without notice.
RHB Bank shall not be responsible or liable to any Cardmember for any inconvenience, loss or
damage or embarrassment incurred or suffered by Cardmember as a consequence of, but not limited to: a) any malfunction, defect or error in any terminal, or other machines, or system of authorisation, howsoever caused; or b) any rejection of Card or PIN by any terminal at the Partner Merchants' outlets or any failure to effect or complete any transaction howsoever caused; or c) any delay or inability on the part of RHB Bank to perform any of its obligations pursuant to this Agreement because of any electronic, mechanical, system, data processing or telecommunication defect or failure, or any event outside its control or the control of any of the Partner Merchants; or d) any delay, inability or refusal on the part of the Partner Merchant to perform any of their obligations pursuant to their Partner Merchant's agreement for any reason whatsoever.
In the event of any inconsistencies between the English version and the Bahasa Malaysia version of these Terms and Conditions, the English version shall prevail.
