Overview of RHB Bank Credit Cards In Malaysia
Life is full of surprises, and wherever life takes you, RHB credit cards can be a great companion along the way. From cashback, reward points, travel benefits, and everything in between — don't miss out on the wonders of your everyday life with RHB cards in your pocket.
RHB Credit Card Campaign FAQs:
For a limited time, qualified applicants of eligible RHB credit card(s) will receive a free sign-up gift of either the following:
-
RM5,000 Touch 'n Go E-Wallet Credit (For one (1) randomly selected qualified winner per week based on the Approval List from the Bank, capped at 3 units)
- RM400 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicants who have two (2) approved RHB credit card applications)
- RM250 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicants who are not selected to receive the gifts mentioned above)
This promotion runs from 16 February 2026 until 9 March 2026, subject to the campaign's terms and conditions.
Who is qualified for this promotion?
This campaign is open to new customers only. Existing principal cardholders and those who have cancelled their RHB credit card within 12 months from the date of the current application are not eligible.
How to be eligible for the gift?
For applicants who apply for one (1) RHB Credit Card
Get approved, activate your new RHB credit card, and subsequently make one (1) retail transaction with no minimum purchase amount as a Principal cardholder, within 60 days of the card's approval date.
For applicants who apply for two (2) RHB Credit Cards
Get approved, activate your new RHB credit cards, and subsequently make one (1) retail transaction on BOTH the cards with no minimum purchase amount as a Principal cardholder, within 60 days of the card's approval date.
For more information, please read the terms and conditions.
Which credit card(s) can I apply for?
You can apply for:
- RHB Visa Infinite
- RHB Visa Signature
- MyEG-RHB Credit Card
- RHB World MasterCard Credit Card
- RHB World MasterCard Credit Card-i
- RHB Cash Back Visa Credit Card
- RHB Cash Back MasterCard Credit Card
- RHB Islamic Cash Back Credit Card-i
- RHB Rewards Visa Credit Card
- RHB Rewards MasterCard Credit Card
- RHB Rewards Visa Credit Card-i
- RHB Shell Visa Credit Card
- RHB Shell Visa Credit Card-i
Where can I reach out for more information?
For any questions, please get in touch with us via email at [email protected]. We're happy to help!
RHB LoyaltyPlus Points Programme
RHB's rewards programme was split into two point types in April 2025: LoyaltyPlus Points (premium points for travel spending) and Loyalty Points (standard points for other spending).
How You Earn Points
LoyaltyPlus Points (Premium Points):
- Overseas retail spending: 8x points per RM1 (10x with RM10,000+ monthly spend)
- Local airline purchases: 3x points per RM1
- Local hotel bookings: 3x points per RM1
- Travel-related expenses: 3x points per RM1
- Movie tickets: 10x points per RM1 (selected cards)
Loyalty Points (Standard Points):
- All other eligible retail spending: 1x point per RM1
Redeeming Your Points
Access RHB Superdeals via RHB Mobile App or RHB Online Banking to redeem from over 8,000 products, including:
- Air miles (preferential rates with LoyaltyPlus Points)
- Electronics and home appliances
- Vouchers for shopping, dining, travel
- Baby products and beauty items
Points Validity: 3 years from date earned
Example Redemption:
8,000 LoyaltyPlus Points = 1,000 Enrich (Malaysia Airlines) points
10,000 Loyalty Points = 1,000 Enrich points (requires more points for the same reward)
RHB Key Features and Benefits
Cashback Cards
What you get: Immediate money back on your spending rather than points. No need to track redemptions or worry about point expiry.
Best for: People who want straightforward savings on everyday expenses like petrol, groceries, utilities, and dining.
RHB's cashback range: 5-12% depending on spending category and card tier.
Rewards Cards
What you get: LoyaltyPlus Points or Loyalty Points for every ringgit spent. Higher earning rates on specific categories like travel, movies, and overseas spending.
Best for: Frequent travellers who want to convert points to air miles, or people who enjoy redeeming products and vouchers from RHB Superdeals.
Points never expire (as long as your account remains active), and you can pool points from multiple RHB products (credit cards, fixed deposits, investments).
Airport Lounge Access
Available on: RHB Visa Signature, World Mastercard, Visa Infinite, Premier Visa Infinite
- RHB Visa Signature: 6x free Plaza Premium Lounge passes at KLIA per year
- RHB World Mastercard: 5x free Plaza Premium Lounge passes per year
- RHB Visa Infinite: Unlimited worldwide lounge access
- Additional visits: 25% discount for cardholders, 20% discount for guests
Travel Insurance Coverage
- Entry/Mid-tier cards: Up to RM600,000
- Premium Infinite cards: Up to RM2 million
- Covers flight delays, missed connections, lost luggage, and medical emergencies overseas
Purchase your flight tickets with your RHB card to activate complimentary travel insurance.
Business Card Benefits
The RHB Corporate Credit Card works for any Malaysian-registered business with at least 2 years of operation. You get:
- Up to 1% unlimited cashback on local and overseas business spending
- Separate tracking for company expenses
- Multiple supplementary cards for employees
- Detailed expense reports for easier bookkeeping
RHB Smart Move Balance Transfer
Transfer outstanding balances from other banks' credit cards to your RHB card at significantly lower interest rates.
Current Rates (Valid until 31 December 2026):
- 6 months: 4.88% p.a.
- 12 months: 5.88% p.a.
- 24 months: 6.38% p.a.
- 36 months: 6.88% p.a.
Transfer Limits:
- Minimum: RM1,000
- Maximum: 80% of your RHB card's available credit limit
No Upfront Fees: RHB doesn't charge handling fees for balance transfers.
Example Savings:
If you have an RM10,000 outstanding balance on another bank's card at 18% p.a., transferring to RHB at 6.88% p.a. for 36 months saves you over RM1,700 in interest charges.
How to Apply:
- Log in to RHB Online Banking
- SMS BTCX to 66223 (RHB will contact you)
- Call 03-9206 8118
- Download the application form and email it to [email protected]
RHB Smart Instalment Payment Plan
Convert large purchases into manageable monthly payments at 0% interest.
How it works:
- Minimum purchase: RM500
- Payment period: Up to 36 months
- Interest rate: 0% with participating merchants
- Available at: 800+ merchants nationwide
Participating merchant categories:
- Electronics and home appliances
- Furniture and home décor
- Medical and healthcare services
- Education and tuition fees
- Travel packages
Apply through the RHB Mobile App or at merchant checkout.
Best RHB Credit Cards in Malaysia 2026
1. RHB Shell Visa Credit Card
Best RHB credit card for petrol savings
Malaysia's highest petrol cashback card at 12% for Shell stations, plus 5% cashback on groceries, online spending, e-wallet reload, and utilities. Perfect for daily drivers who want straightforward savings on fuel and essentials.
- Minimum income: RM24,000/year
- Annual fee: RM195 (waived with 24 swipes/year)
- Key benefit: 12% cashback at Shell stations (capped at RM50/month)
2. RHB Cash Back Visa/Mastercard Credit Card
Best overall RHB cashback credit card
The most versatile cashback card offering 10% cashback across six everyday categories, including petrol (any station), dining, groceries, online food delivery, and utilities. No complicated tiers or merchant restrictions.
- Minimum income: RM24,000/year
- Annual fee: RM195 (waived with RM10,000 annual spend)
- Key benefit: 10% cashback on essentials with no category caps
3. RHB Visa Signature Credit Card
Best RHB credit card for travel and cashback
Premium travel benefits meet solid cashback rates. Earn 6% cashback locally plus 6x free Plaza Premium Lounge access at KLIA and travel insurance up to RM600,000. The sweet spot for mid-tier earners who travel occasionally.
- Minimum income: RM80,000/year (RM6,666/month)
- Annual fee: Free for life
- Key benefit: 6% local cashback + airport lounge access + travel insurance
4. RHB Rewards Visa/Mastercard Credit Card
Best RHB rewards points card
Accelerated points earning with 10x LoyaltyPlus Points on movies and overseas spending. Convert points to Malaysia Airlines Enrich miles, shopping vouchers, or over 8,000 products. Points valid for 3 years.
- Minimum income: RM24,000/year
- Annual fee: RM200 (waived with RM10,000 annual spend)
- Key benefit: 10x points on overseas spending and cinema tickets
5. RHB Premier Visa Infinite Credit Card
Best RHB luxury travel credit card
Malaysia's most comprehensive travel card with RM2 million insurance coverage, unlimited worldwide lounge access, and 10x overseas points earning. Includes complimentary golf privileges at participating clubs and priority banking benefits.
- Minimum income: RM150,000/year (RM12,500/month)
- Annual fee: Free for life
- Key benefit: Unlimited lounge access + RM2M travel insurance + 10x overseas points
Eligibility Criteria
To apply for an RHB card, the principal cardholder will have to be at least 21 years old, while the supplementary cardholder is to be at least 18 years old.
The minimum annual income, on the other hand, differs from card to card.
| APPLY FOR RHB CREDIT CARD - ELIGIBILITY | |
|---|---|
| Age of Principal Cardholder | Minimum 21 years old |
| Age of Supplementary Cardholder | Minimum 18 years old |
| Nationality | Anyone |
| Income Requirement (monthly)* |
|
*Please note that the minimum income requirement for expatriates might be different.
Documents Required to Apply
You can compare and apply for an RHB Bank credit card online with RinggitPlus.
To speed up your RHB credit card application, it’s best to prepare the general documents required for the RHB Bank credit card application.
| DOCUMENTS FOR RHB CREDIT CARD APPLICATION | ||
|---|---|---|
| Salaried Employee | Salaried Expatriate | Self-Employed |
|
✔ Copy of your IC (both sides)
✔ Latest EPF statement or latest 3 months' salary slip* ✔ Latest BE form with an official tax receipt ✔ Up to 3 months of bank statements ✔ Latest EA form |
✔ Copy of Passport
✔ Latest 3 months' salary slip* ✔ Work permit valid for at least 6 months at the time of application ✔ Letter of employment |
✔ Copy of your IC (both sides)
✔ Photocopy of Business Registration form ✔ 6 months' bank statements, or the latest Form B with an official tax receipt |
*The number of months of salary slips required will depend on the nature of your work. Have your commission slips with you, if available.
Frequently Asked Questions (FAQs)
1. Which RHB credit cards offer no annual fees?
If you’re looking for a lifetime free credit card, RHB offers several no annual fee for life options:
- RHB Visa Signature – Free for life
- RHB Premier Visa Infinite – Lifetime annual fee waiver
- RHB World MasterCard Credit Card – No annual fee
These RHB credit cards let you save more while enjoying premium benefits.
2. What are the interest rates for RHB credit cards?
Similar to most banks in Malaysia, RHB adheres to a tiered interest rate of 15% to 18% per annum as recommended by Bank Negara Malaysia.
Of course, credit card interest rates also rely heavily on an individual’s repayment and spending habits.
Inconsistent repayments and high outstanding balances are more likely to increase your interest rates per month.
3. What are the minimum monthly repayments for RHB credit cards?
RHB Bank credit cardholders are required to make minimum monthly repayments of 5% of the current balance or a minimum of RM50, whichever is higher.
If your full payment is made within the 20-day grace period, then of course, no interest is charged.
Failure to do so may result in a late payment charge of a minimum of RM10 or 1% of the total outstanding balance (excluding interests and fees), whichever is higher, and up to a maximum of RM100.
4. How much does it cost to get a replacement RHB Bank credit card?
If you lose your RHB Bank credit card or if it is stolen or damaged, you can get a replacement credit card for RM50 per card within five to seven working days from the date of issuance.
5. What travel benefits can I get with an RHB Credit Card?
The RHB Visa Signature Credit Card offers a suite of travel-friendly benefits designed to enhance your flying experience.
You can earn up to 2% cashback on overseas retail spending, capped at RM100 per month after a minimum spend of RM1,000.
The card provides 6x complimentary access to Plaza Premium Lounges in KLIA Malaysia, where you can relax in comfort before your flight. After that, you can enjoy a 25% discount for accompanying guests and access lounges worldwide with a 20% discount (except for Shanghai and Beijing).
Additionally, the RHB Visa Signature offers travel insurance coverage of up to RM600,000, including protection for delayed or missed flights, lost luggage, and other travel inconveniences, ensuring peace of mind on every journey.
6. How Long Does It Take to Get Approved for an RHB Bank Credit Card via RinggitPlus?
The approval time for an RHB Bank credit card through RinggitPlus depends on the bank’s processing speed and the completeness of your application. After applying via RinggitPlus, you’ll receive a welcome email with instructions to complete your application with RHB Bank.
To avoid any delays, make sure to submit all required documents correctly. If the email doesn’t appear in your inbox, check your Promotions or Spam folder. Once your application is submitted, the bank will review it and contact you once the process is complete. If you need help, feel free to reach out to us at [email protected].
Apply for an RHB Credit Card
RHB credit card applications can be made online at RinggitPlus! All you have to do is compare all the cards and apply.
By applying through RinggitPlus, you can enjoy exclusive credit card sign-up gifts that are unavailable elsewhere. It’s a quick, straightforward, and rewarding way to apply; perfect for first-time users looking for both convenience and perks.
