FREQUENTLY ASKED QUESTIONS RHB Debit Card-i

Transcription

1 FREQUENTLY ASKED QUESTIONS RHB Debit Card-i 1. What are the debit cards that RHB offers? RHB Debit Card-i RM12 annual fee RHB Debit Card-i RM8 annual fee RHB Visa Justice League Debit Card-i RM12 annual fee With 0.5% cashback for overseas spend Without any cashback With 0.5% cashback for overseas spend RHB Visa Justice League Debit Card-i design 2. What is a RHB Debit Card-i? It works just like an ATM Card and Payment Card. It can be used to withdraw cash via any ATM s worldwide and can be used to make purchases at any retail outlets, restaurants and petrol stations and at any Visa / MasterCard/ MyDebit accepted merchants. When the RHB Debit Card-i is used, funds are automatically deducted from customer s Current Account-i or Savings Account-i that is linked to the card. 3. Who is eligible for a RHB Debit Card-i? Any individual who is 12 years and above and has RHB Bank Current Account-i or Savings Account-i is eligible (except for Children Account-i & Easy Debit Card-i Savings Account-i) If the individual is between the ages of 12 to 18 years old, the parents or the guardian are required to sign the Indemnity form. 4. How do I get a RHB Debit Card-i? Visit a RHB / RHB Islamic branch nearest to you; Fill up Account Opening Application Form when you open a Current Account-i or Savings Account-i (SVSFORM). Fill up RHB Services Form (SVSFORM) for existing Current Account-i and Saving Accounti. Provide the NRIC or Passport. If the individual is between the ages of 12 to 18 years old, the parents or the guardian are required to sign the Indemnity form. 5. Can I use my RHB Debit Card-i for overseas or card not present (online/e-commerce, recurring, mail order, telephone order) transaction? Yes but you must first opt-in first for these transactions. All debit cards are automatically blocked for any overseas or card not present transaction unless customer has opted in for this. Customer can opt in for these transactions via:- RHB ATM s; or Any RHB Branches; or RHB Customer Care Centre This will take effect the next day. 6. What is contactless feature and can all cards use this function? Contactless feature allows you to make contactless payments by simply tapping your RHB Debit Card-i at the point of sale terminal to pay for items up to RM250. For payment above RM250, a PIN will be required. FAQ/ RHB Debit Card-i/September 2018 Page 1 of 6

2 Your new Chip & Pin RHB Debit Card-i has the contactless function as shown below (in red) The Retailer or Merchant's Point of Sales terminals must be able to accept Visa or MasterCard or MyDebit contactless payment. Your RHB Debit Card-i has to be waved within 4cm or tapped at the contactless card reader and the Merchant must have first entered the transaction amount for you to approve. Even if your RHB Debit Card-i is accidentally tapped more than once, you will only get billed once for the transaction. If you hold your card up to a reader and you have any other contactless payment cards nearby, the reader might detect more than one card and will not complete the payment. You will need to perform the transaction again. Please ensure you only use the intended card from your wallet and have it tapped at the reader. 7. Can I choose to disable the contactless feature on my RHB Debit Card-i? Yes you can. Refer to the table below:- Function Yes / No How Disable the contactless function Yes Request via RHB Branch Reduce the contactless amount or count (default limit is RM250.00) Yes Request via RHB Branch Call RHB Customer Care Centre 8. If I choose to change my Savings Account-i or Current Account-i linked to RHB Debit Card-i, what should I do? You have to go to the branch where you applied for the RHB Debit Card-i. Complete the RHB Services form and indicate your intended account number in the account link column. 9. Where can I use my RHB Debit Card-i? You can use your RHB Debit Card-i to pay for any retail transactions at any Merchants, which accepts either MyDebit (in Malaysia only), Visa or MasterCard worldwide (locally or overseas) You can pay for any retail transactions via signature or using your 6 digit Pin. Starting 1st July 2017, all transactions via the merchant terminals in Malaysia will no longer accept signatures. All transactions will be via a 6 digit PIN using the Chip & Pin technology. For ATM transaction, you can use it at any ATM machine that displays the MEPS or MasterCard or Visa or PLUS or Cirrus or Maestro logo overseas. You are required to key in your PIN for security verification. For overseas or online transaction, you are to opt in first for these as per item 5. However, this card is not applicable to be used for merchants with the following codes: MCC 5813 Bars, Cocktails Lounges, Discotheque, Nightclubs and Taverns MCC 5921 Packages Beer, Wine and Liquor MCC 5993 Cigar Stores and Stands MCC 7995 Gambling transactions MCC 7273 Dating & Escort Services 10. What are the benefits of having RHB Debit Card-i? Convenience to pay for goods or services worldwide at various merchant outlets that carry the MyDebit or Visa or MasterCard logo. FAQ/ RHB Debit Card-i/September 2018 Page 2 of 6

3 Cash transactions from ATMs subject to availability of funds in the designated Current Account-I or Savings Account-i and customer s daily limit. Cardholders of the RHB Debit Card-i RM12 will enjoy 0.5% cashback on any OVERSEAS retail spend and the cashback will be credited into the designated Current or Savings account on a monthly basis. Continue to enjoy the prevailing profit rate on the Savings Account-i or any profit bearing account. Manage / keep track of your account and transactions via RHB Now (Online Banking at www. rhbgroup.com.my) 11. What is the Spending Limit on my RHB Debit Card-i? ATM daily limit MyDebit daily limit (sharing amount with ATM) Debit Card-i daily spending limit (via Visa/MasterCard) RM 1,000 1,000 1,000 2,000 2,000 3,000 (default) 3,000 (default) 3,000 (default) 5,000 5,000 5,000 Up to available balance in the account 10,000 ATM daily transaction limit and Debit Card-i spending daily limit for minors aged 12 - below 18 years is defaulted to RM Are the limits on spending limit via Visa/MasterCard, ATM & MyDebit combined? The limit is only combined for ATM and MyDebit. Refer to the illustration below:- ATM daily limit is RM3,000 transfer to 3rd party account via ATM for RM1,000 transfer to 3rd party account via ATM for RM2,000 transfer to 3rd party account via ATM for RM3,000 When customer does not perform any ATM cash / transfer to 3rd party account ATM daily limit is RM2,000 transfer to 3rd party account via ATM for RM1,000 transfer to 3rd party account via ATM for RM2,000 When customer does not perform any ATM cash / transfer to 3rd party account ATM daily limit is RM3,000 transfer to 3rd party account via ATM RM1,000 e-debit daily limit is RM3,000 purchases is up to RM2,000. The limit available for e-debit purchases is up to RM1,000. The limit available for e-debit purchases is Nil. The limit available for e-debit purchases is RM3,000. e-debit daily limit is RM5,000 purchases is up to RM4,000 purchases is up to RM3,000 purchases is up to RM5,000 e-debit daily limit is RM2,000 purchases is up to RM1,000 FAQ/ RHB Debit Card-i/September 2018 Page 3 of 6

4 transfer to 3rd party account via for RM2,000 transfer to 3rd party account via ATM for RM3,000 When customer does not perform any ATM cash / transfer to 3rd party account purchases is Nil purchases is Nil purchases is up to RM2, Will there be any charges imposed by RHB Islamic Bank for the RHB Debit Card-i? Yes. Charges RHB Debit Card-i RM12 annual fee RHB Debit Card-i RM8 annual fee RM RM RM Issuance 12.00* 8.00* 15.00* Annual fee 12.00* 8.00* 12.00* ATM fee at Local Bank MEPS ATM fee at Foreign Bank MEPS ATM fee at Visa / MasterCard Network 1.00* per 4.00* per 12.00* per RHB Visa Justice League Debit Card-i 1.00* per 1.00* per 4.00* per 4.00* per 12.00* per 12.00* per Replacement card Sales draft retrieval fee 20.00* 20.00* 20.00* Overseas transaction conversion fee 1% on the amount spent billed in Ringgit Malaysia equivalent. 1% on the amount spent billed in Ringgit Malaysia equivalent. *Inclusive of any applicable taxes imposed from time to time 1% on the amount spent billed in Ringgit Malaysia equivalent. 14. How long does it take to apply & get a RHB Debit Card-i? You can get your RHB Debit Card-i immediately when you apply at any RHB Branches. As for the PIN, you are to key a temporary PIN into the PIN Pad of which you are to change the temporary PIN at the any RHB ATM immediately once you have gotten your card. 15. What should I do if I forget my RHB Debit Card-i PIN? The RHB Debit Card-i will need to be replaced should you require a new Pin. You can contact our Call Centre at or visit our nearest RHB branch for assistance. 16. What if my Current Account-i or Savings Account-i is opened jointly (has two or more signatories)?? Only joint account-holders for Current Account-i or Savings Account-i with condition on operations of account stated as either one to sign can apply for RHB Debit Card-i. Joint account holders need to apply for separate RHB Debit Card-i (e.g. two applications for two joint account holders). Both cards will be charged an Annual fee of RM12.00*or RM8.00* each (depending of the RHB Debit Card-i issued) For joint account, only applicable up to a maximum of 2 accountholders. FAQ/ RHB Debit Card-i/September 2018 Page 4 of 6

5 17. What is the spending limit on the RHB Debit Card-i if there are two or more signatories? Each cardholder determines the spending limit, which is subject to amount available in the account and it allows you to have separate PIN. For at ATM, each cardholder determines the limit subject to amount available in the account and separate PINs are allowed. Please refer to question 11 on the daily retail spending and at ATM limits. 18. How do I make my PIN secure? Avoid any unsuitable PIN e.g. Birth dates, months or year or passport number or driving license in any form or combination; Sequential numbers or easily identifiable number combination e.g or ; Any of the block numbers on your debit card-i; Other easy ones such as telephone number or identity card numbers 19. What should I do if my RHB Debit Card-i is lost or stolen? Notify our Call Centre at immediately to block your Debit Card-i. A replacement card will be issued to you at your request and the replacement card fee of RM15.00 / RM12.00 will be charged to your Current Account-ior Savings Account-i. 20. What is MyDebit? Your RHB Debit Card-i supports MyDebit which is only applied in Malaysia:- Visa/MasterCard which allows your debit card-i to be accepted both in Malaysia and overseas. When using your RHB Debit Card-i in Malaysia, the retailer may choose to accept & process the payment using either MyDebit or Visa or MasterCard. This is in line with the policy objective of Payment Card Reform Framework issued by Bank Negara Malaysia to promote payment system efficiency by providing retailers with an avenue to manage their operational cost in using a less costly debit card-i network. This would reduce the pressure on retailers to increase prices to their customers to recover the higher cost of accepting payment cards. Please be advised that you are not able to request the retailer to change their chosen RHB Debit Card-i network. 21. Under what circumstances that holding of funds transactions are done to my Current Account-i or Savings Account-i? Once you have used your RHB Debit Card-i for any retail transactions, your Current Account-i or Savings Account-i will be on hold for the amount swiped. This hold will be released and your account will be debited for the amount once the Bank receives the amount from the acquiring Bank. Average pre-authorization holding day is 30 days. Petrol transaction at the pump (outdoor) Pre-authorization amount is RM200 but some petrol operators allow the cardholder to select the amount at the pump. With the PIN & Pay concept at petrol stations, cardholders are to key in their 6 digit PIN at the self-service pump. Pre-authorization amount will be charged to customer s banking account during the fill-up. The pre-authorization amount will be reversed back and the actual filled-up amount will be charged to customer s bank account once the bank receives the actual filled up amount from the acquiring bank. The turnaround time for this is usually 3 4 working days. FAQ/ RHB Debit Card-i/September 2018 Page 5 of 6

6 To avoid pre-authorisation amount, customers are advised to go to the payment counter located inside the petrol station. Hotel The amount depends on the duration of stay whereby on check-in, pre-authorization amount will be charged. During check-out, the pre-authorization amount will be reversed and the actual amount will be charged. 22. What if my account balance is insufficient for annual fees charges? On the card issuance anniversary date, system will auto debit the account for the annual fee. If the account has insufficient fund for the annual fee, then system will re-try for 30 days to debit but card will not be held. However, after the 30 days re-try and still insufficient fund, then on the 31 st day, the card will be on hold until customer comes to the branch to release the hold and bank in the fund into the account. Once hold on card is released, system will debit the account that night itself (batch run). 23. Why is my purchase declined? This could be due to Insufficient funds in your savings/current account that is linked to the RHB Debit Card-i. You will need to top up funds in your account. Insufficient funds due to pre-authorisation holding amount at petrol station. You will need to top up funds in your account. Your purchase amount exceeds your chosen daily spending limit. You can opt to change your spending limit either via RHB Now or by walking into any RHB Branch. The function to purchase online / overseas transaction may not have been activated yet. Refer to item 5 on how to activate your debit card-i for this function. 24. What are the security features does RHB Debit Card-i have? SMS alerts are sent to your mobile phone at no extra cost to you to the registered mobile phone number with the Bank whenever a purchase amount of at least RM500 is made on your RHB Debit Card-i. One-Time Password (OTP) Authentication Code is sent via SMS to verify purchases made online at participating 3D Secure merchants. Each contactless transaction includes a unique code that changes with each purchase, which can only be used once and can only be generated by the chip in your original contactless card, hence, this prevents a counterfeit card from being produced from the intercepted card security details. In addition to this, you are strongly encouraged to Check your transactions regularly via RHB Now. If you come across any suspicious transactions in your account, please contact our RHB Customer Service. Transactions via MyDebit can be viewed real time via ATM, Internet Banking or Mobile Banking. 25. Can I use Easy Payment Plan (EPP) facility for purchases with my RHB Debit Card-i? No, the EPP is not applicable for Debit Card-i. FAQ/ RHB Debit Card-i/September 2018 Page 6 of 6