TERMS AND CONDITIONS
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- Kristin Holland
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1 RHB Bank Berhad (6171-M) and RHB Islamic Bank Berhad ( V) TERMS AND CONDITIONS RHB BALANCE CONVERSION PROGRAMME 1. The RHB Bank Berhad (Company No M) ( RHB Bank ) and RHB Islamic Bank Berhad (Company No V) ( RHB Islamic ) both hereinafter will be referred collectively as RHB or the Bank unless specifically distinguished. PROGRAMME PERIOD 2. The RHB Balance Conversion Programme (hereinafter referred to as Programme ) is offering the following conversion plans: a) Plan 422 b) Plan 423 c) Plan 424 d) Plan 425 e) Plan This Programme will take effect from 07 November 2018 until 31 December 2018 both dates inclusive ( hereinafter referred to as Programme Period ). ELIGIBILITY 4. This Programme is applicable to all principal holders of RHB Credit Card/-i ( RHB Card ) issued by RHB (hereinafter referred to as Cardmember(s) ). All RHB Supplementary Cards, RHB Business Credit Cards and RHB Virtual Cards are not eligible to participate in this Programme. PROGRAMME CONDITIONS 5. The RHB Balance Conversion ( BC ) is only available to convert the total or a portion of the card outstanding balance appearing in the current RHB Card monthly statement, and the Cardmember must apply for BC before the payment due as stated in the RHB Card monthly statement. 6. The amount of outstanding balance applied to be converted under BC ( BC Amount ) must be a minimum of RM1,000 and the maximum is up to the total outstanding balance under RHB Card. 7. The available BC Plans as below:- Plan BC Tenure BC Interest/Actual Management Fee Effective Ratefor reference purpose months 12.74% months 13.57% months 7.50%p.a % months 13.80% months 13.69% 8. Cardmember must pay interest/actual management fee ( BC Interest/Actual Management Fee ) on the BC Amount and for the BC Tenure, and will be computed based on a reducing balance basis. 9. Throughout the BC Tenure, the BC Amount together with the BC Interest/Actual Management Fee will be billed by way of equal monthly instalments ( BC Monthly Instalment ).
2 Illustration: BC Amount : RM10,000 BC Interest Rate/Actual Management Fee: 7.50%p.a. BC Tenure: 12 Months Month Outstanding Principal BC Monthly Instalment Principal Reduction BC Interest/Actual Management Fee 1 10, , , , , , , , , , , Total 10, Note : The above is for illustration purpose only. The actual amount might be different from the above illustration. 10. Upon approval of the BC application, the Cardmember is deemed to be responsible in servicing the BC Monthly Instalment. The BC Monthly Instalment is posted into the Cardmember s RHB Card account to be accumulated to the total outstanding balance and subject to the minimum payment amount of 5% of the total outstanding balance. Cardmember may not change any of the features including the BC Amount, BC Interest/Actual Management Fee, BC Tenure and BC Monthly Instalment upon the approval of BC. 11. The finance charges/management fee and if applicable, late payment charge will be imposed to the Cardmember if: a. there is any outstanding balance in the Cardmember s RHB Card account which remains unpaid at the time the BC application is approved; or b. the Cardmember does not pay in full the total outstanding balance due as stated in the RHB Card monthly statements. c. the finance / management fee and late payment charges are imposed pursuant to the RHB Cardholder Agreement, which apply in addition to these terms and conditions. 12. By serving the minimum amount of 5% or part of the RHB Card total outstanding balance, the remaining balance (including the balance of BC monthly principal amount if any; is chargeable at 1.25%, 1.42% or 1.5% per month on daily rest depending at which revolving tiers of the Cardmember(s) account. (Clause 12.1(c) of RHB Bank Berhad / Clause 13.1(c) of RHB Islamic Bank VISA / MasterCard Cardmember(s) Agreement or also known as Cardholder Agreement ). The remaining balance refers to the outstanding balance that exclude interest/actual management fee, finance charges and other relevant fees. 13. If the Cardmember wants to do an early settlement of the BC, the Cardmember shall give prior notice to the Bank. Upon the early settlement, the Cardmember will be charged the total amount owed to RHB, which includes the outstanding principal and BC Interest/Actual Management Fee amount as the final payment. 14. Upon occurrence of any of the following: a. the Cardmember defaults in paying the Minimum Payment Due stated in the RHB Card monthly statement for any three (3) or more consecutive months; or b. any of the Cardmember s account(s) with RHB is canceled, terminated or closed; or
3 c. the Cardmember has committed or is suspected of committing any fraudulent or unlawful activities. all monies owing under the BC, comprising of the total outstanding BC Monthly Instalment and the total unbilled principal of the BC together with the applicable finance charges and balance of other monies owing under the BC will immediately become due and payable by the Cardmember in accordance to the Cardholder Agreement. 15. Reward Points and Cash Back will not be awarded under BC, unless stated otherwise. GENERAL TERMS AND CONDITIONS 16. RHB reserves the right to add, delete, alter or amend any of these terms and conditions at any time with at least twenty one (21) calendar days prior notice and they shall become effective on such date as the Bank may elect to adopt. At the discretion of the Bank, notice of such additions or modifications or amendments may be effected by:- a. displaying the same at the premises of the Bank or its branch offices or by mailing the aforesaid notice to the Cardmember; or b. by sending notice of the same by SMS or electronic mail to the Cardmember or by posting the notice of the same on RHB s website. Such amendments and alterations shall be effective and binding on the Cardmember with effect from the date of the amendments or alterations. In the event of any dispute relating to the Terms and Conditions, the determination and decision of the Bank shall be final, binding and conclusive. 17. These terms and conditions are in addition to the provisions of the Cardholder Agreement and in the event of any inconsistency between these terms and conditions and the provisions of the Cardholder Agreement, these terms and conditions shall prevail in so far as they apply to the Programme. 18. Other terms and conditions as stipulated in the Cardholder Agreement shall apply.
4 TERMA DAN SYARAT PROGRAM RHB BALANCE CONVERSION 1. RHB Bank Berhad (No. Syarikat 6171-M) ( RHB Bank ) dan RHB Islamic Bank Berhad (No. Syarikat V) ( RHB Islamic ) kedua-duanya akan dirujuk sebagai RHB atau pihak Bank kecuali jika dibezakan secara khusus. TEMPOH PROGRAM 2. Program RHB Balance Conversion (selepas ini dirujuk sebagai Program ) menawarkan pelan penukaran seperti yang dinyatakan di bawah, a) Plan 422 b) Plan 423 c) Plan 424 d) Plan 425 e) Plan Program ini akan berkuat kuasa dari 07 November 2018 hinggga 31 Disember 2018, termasuk kedua-dua tarikh yang dinyatakan (selepas ini dirujuk sebagai Tempoh Program ). KELAYAKAN 4. Program ini adalah disediakan untuk semua Pemegang Utama Kad RHB Kad Kredit/-i ("Kad RHB") yang dikeluarkan oleh RHB (selepas ini dirujuk sebagai "Ahli Kad"). Semua Kad Sampingan RHB, Kad Eksekutif RHB dan Kad Virtual RHB tidak layak untuk menyertai Program ini. SYARAT-SYARAT PROGRAM 5. RHB Balance Conversion ( BC ) ini hanya boleh digunakan untuk menukarkan jumlah atau sebahagian daripada baki kad kredit yang terdapat dalam penyata bulanan Kad RHB semasa, dan Ahli Kad mesti memohon BC sebelum tarikh matang seperti yang dinyatakan dalam penyata bulanan Kad RHB. 6. Jumlah baki tertunggak yang digunakan untuk ditukarkan di bawah BC ("Amaun BC") mestilah dengan minima RM1,000 dan maksima adalah sehingga baki tertunggak di bawah Kad RHB. 7. Pelan BC yang disediakan seperti di bawah; - Pelan Tempoh BC Faedah/Yuran Pengurusan Sebenar BC bulan Kadar Effektifuntuk tujuan rujukan 12.74% bulan 13.57% bulan 7.50% setahun 13.77% bulan 13.80% bulan 13.69% 8. Ahli Kad mesti membayar faedah/yuran pengurusan sebenar ("Faedah/Yuran Pengurusan Sebenar BC ) untuk Amaun BC dan untuk Tempoh BC, dan akan dikira berdasarkan asas pengurangan baki. 9. Sepanjang Tempoh BC, Amaun BC bersama dengan Faedah/Yuran Pengurusan Sebenar BC akan dibilkan melalui ansuran bulanan yang sama ("Ansuran Bulanan BC").
5 Ilustrasi: Amaun BC : RM10,000 Faedah/Yuran Pengurusan Sebenar BC : 7.50%p.a. Tempoh BC : 12 Bulan Bulan Prinsipal Tertunggak Ansuran Bulanan BC Pengurangan Prinsipal Faedah/Yuran Pengurusan Sebenar BC 1 10, , , , , , , , , , , Jumlah 10, Nota: Perkara di atas hanya untuk tujuan ilustrasi. Jumlah sebenar mungkin berbeza daripada ilustrasi di atas. 10. Apabila permohonan BC diterima, Ahli Kad dianggap bertanggungjawab dalam menunaikan Ansuran Bulanan BC. Ansuran Bulanan BC dipaparkan ke dalam akaun Kad RHB Ahli Kad untuk dikumpulkan kepada jumlah baki tertunggak dan tertakluk kepada jumlah minimum pembayaran sebanyak 5% daripada jumlah baki tertunggak. Ahli Kad tidak boleh mengubah mana-mana ciri termasuk Amaun BC, Faedah/Yuran Pengurusan Sebenar BC, Tempoh BC dan Ansuran Bulanan BC setelah kelulusan BC. 11. Caj kewangan/yuran pengurusan sebenar dan jika ada, caj bayaran lewat akan dikenakan kepada Ahli Kad jika: a. terdapat sebarang baki tertunggak dalam akaun Kad RHB Ahli Kad yang masih belum dibayar pada masa permohonan BC diluluskan; atau b. Ahli Kad tidak membayar sepenuhnya jumlah baki tertunggak yang sepatutnya dinyatakan dalam penyata bulanan RHB Card. c. yuran kewangan / pengurusan dan bayaran lewat dibayar dikenakan menurut Perjanjian Pemegang Kad RHB, yang digunakan sebagai tambahan kepada terma dan syarat ini 12. Dengan membuat pembayaran minima 5% atau sebahagian daripada jumlah baki tertunggak Kad RHB, baki selebihnya (termasuk baki ansuran bulanan prinsipal BC sekiranya ada) akan dicaj di antara 1.25%, 1.42% atau 1.5% sebulan pada kadar harian bergantung kepada para kitaran akaun Ahli Kad (fasal 12.1(c) Perjanjian RHB Bank Berhad / fasal 13.1 (c) Perjanjian Ahli Kad RHB Islamic Bank VISA / MasterCard atau juga disebut sebagai Perjanjian Ahli Kad ). Baki selebihnya merujuk kepada baki tertunggak yang tidak termasuk faedah/yuran pengurusan sebenar, caj kewangan dan fi lain yang berkaitan. 13. Sekiranya Ahli Kad ingin membuat penyelesaian awal bagi BC, Ahli Kad hendaklah memberi notis terlebih dahulu kepada Bank. Apabila penyelesaian awal, Ahli Kad akan dikenakan jumlah yang terhutang kepada RHB, yang termasuk amaun prinsipal BC dan Faedah/Yuran Pengurusan Sebenar BC tertunggak sebagai pembayaran akhir. 14. Apabila berlaku mana-mana yang berikut: a. Ahli Kad tidak membayar Bayaran Minima yang dinyatakan di dalam penyata bulanan Kad RHB bagi mana-mana tiga (3) bulan atau lebih berturut-turut ; atau b. Mana-mana akaun Ahli Kad dengan RHB dibatalkan, ditamatkan atau ditutup; atau
6 c. Ahli Kad telah melakukan atau disyaki melakukan sebarang aktiviti penipuan atau menyalahi undang-undang semua wang yang terhutang di bawah BC, yang terdiri daripada jumlah Ansuran Bulanan BC yang belum dijelaskan dan jumlah prinsipal BC yang belum dibilkan bersama dengan caj kewangan yang dikenakan dan baki wang lain yang terhutang di bawah BC akan segera menjadi hutang dan kena dibayar oleh Ahli Kad mengikut Perjanjian Ahli Kad. 15. Mata Ganjaran dan Pulangan Tunai tidak akan diberikan di bawah Program ini, kecuali dinyatakan sebaliknya. TERMA-TERMA DAN SYARAT-SYARAT AM 16. RHB berhak untuk menambah, memadam, mengubah atau meminda terma-terma dan syaratsyarat pada bila-bila masa dengan notis dua puluh satu (21) hari dan ia akan berkuatkuasa pada tarikh yang dipilih oleh pihak Bank. Mengikut budi bicara pihak Bank, notis mengenai tambahan atau modifikasi atau pindaan akan di salurkan melalui:- paparan notis yang sama di premis Bank atau di pejabat cawangannya atau menghantar notis tersebut kepada Ahli Kad; atau dengan menghantar notis yang sama melalui khidmat pesanan ringkas atau mel elektronik kepada Ahli Kad atau dengan mempamerkan notis yang sama di laman web RHB. Sebarang pindaan dan gubalan akan berkuatkuasa dan mengikat Ahli Kad berkuatkuasa dari tarikh pindaan dan gubalan. Sebarang pertikaian yang timbul berikutan Terma-terma dan Syarat-syarat, adalah ketentuan dan keputusan muktamad pihak Bank. 17. Terma dan syarat ini adalah tambahan kepada peruntukan Perjanjian Pemegang Kad dan sekiranya terdapat ketidakselarasan antara terma dan syarat ini dan peruntukan Perjanjian Pemegang Kad, terma dan syarat ini akan terpakai selagi ia memohon kepada Program ini. 18. Terma-terma dan syarat-syarat lain yang terkandung di dalan Perjanjian Ahli Kad adalah terpakai.
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