RHB Islamic Platinum Credit Card-i credit card

RHB Islamic Platinum Credit Card-i

A platinum credit card for travel junkies: enjoy airport lounge access, free travel insurance coverage and Air Miles redemption with prominent airlines!

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • 0% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM200.00 annual fee
  • Earn up to 5x reward points 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Make every Ringgit spent with RHB credit card-i a rewarding experience as you will earn Reward Points. Use your Reward Points to redeem exciting goods and services such as gadgets, home appliances, shopping vouchers, Air Miles etc from RHB Reward Catalogue.
Reward Points
5 points on every RM1on dining during your Birthday month
3 points on every RM1on everyday dining spend
3 points on every RM1on all overseas retail spends
2 points on every RM1on shopping, utilities and insurance payments
1 point on every RM1on all local retail spends
Your Reward Points earned expires in  3 years
Balance Transfer
Transfer your outstanding balance from other credit cards to RHB credit card via Smart Move Balance Transfer plan to benefit from low interest rate and flexible repayment terms.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and no one-time upfront handling feefrom RM1000 
9 months1.8% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about RHB Islamic Smart Move Balance Transfer
Easy Payment Plan (EPP)
Turn your wish list into reality with a flexible payment plan of up to 24 months from RHB credit card. Enjoy 0% interest with RHB Smart Instalment, or pay a small one-time upfront interest with RHB Dial-an-Instalment.
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feefrom RM500 
12 months5% one-time upfront handling feefrom RM1000 
24 months17.5% one-time upfront handling feefrom RM2000 
Learn more about RHB Islamic Dial-An-Installment
Maximize your frequent flyer benefits with Malaysia Airlines, Singapore Airline and AirAsia by converting Reward Points to Air Miles. Also, complement your journey with a free Travel Insurance coverage of up to RM600,000.
Travel CoverageSum Insured
Travel InsuranceUp to RM600000
Delayed FlightUp to RM500
Missed FlightUp to RM500
Lost LuggageUp to RM1000
Delayed LuggageUp to RM500
Enjoy great discounts at any Plaza Premium Lounges in Malaysia and worldwide, and zero green fees at participating golf clubs in Malaysia.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Waived when you spend RM24,000 each year
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
60 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Any Business


Get some extra help from your credit card when you need it most

Easy Payment Plan
RHB Islamic Dial-An-Installment
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
RHB Islamic Smart Move Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

RHB Islamic Platinum Credit Card-i review

What's so good (or not so good) about it?

Calling all self-proclaimed globetrotters, the RHB Islamic Platinum Credit Card-i is a reward credit card that infuses amazing traveling perks for all your globetrotting needs!

Made for Halal Transactions

Please note that this Islamic credit card operates under the Shariah concept of Ujrah. So keep in mind that you can only swipe your Platinum Credit Card-i on Halal goods and services. 

RHB Islamic Bank will decline any payment charged to your credit card-i for transactions in the following situations:

Bars and Clubs
Purchase of Packaged Beers, Wine and Liquor 
Cigar Stores and Stands
Gambling transactions.

Reward Points

This Platinum Credit Card-i gives out Reward Points like it is raining money throughout your birthday months, with 5x Reward Points on dining transactions. Any other months, you will get up to 3x Reward Points on dining, shopping, utilities and insurance payments.

The Reward Points don’t stop just here. You can also collect 3x Reward Points when you go shopping overseas. At the end of the day, these combined Reward Points can give you even more amazing products, which are redeemable from RHB Rewards Catalogue.

Frequent Flyer Benefits

If you are a frequent flyer with Malaysia Airlines, you would not want to miss this benefit for the world! RHB Islamic Platinum Credit Card-i allows for your Reward Points to be converted to Air Miles so that you can redeem free flight ticket or cabin upgrade.

To redeem 500 Enrich Miles, you need to have at least 5,500 Reward Points. That's not all, this Platinum Credit Card-i can qualify you for 25% off on entry to the Plaza Premium Lounge at KLIA. If that wasn’t enough, enjoy 20% off on walk-in rates at the Plaza Premium Lounges across the world.

Free Travel Takaful Coverage

Take your cross-border trip to a next level of comfort knowing that RHB Islamic Bank has got your back with a complimentary Takaful coverage worth RM600,000, to both you and your family. Just charge your air fares expenses to this credit card to enjoy some peace of mind throughout the journey.

Golf Privileges

For golf-lovers, this Platinum Credit Card-i also invites you to practice your swing for free at selected renowned Golf Clubs in Malaysia. To enjoy an unlimited round of golf with no green fee, you can book via RHB Priority Line at 03 9206 1111.

Flexible Credit Lifelines

Often times people will avoid credit card for fear of impulse swiping and delinquent on payment. But do you know that credit card can do you an immense favor in meeting your financial difficulties?

There are instances where your purse string is tight but you need to survive the day, or your favorite items in the store is fast selling out but you don't have enough cash, here's where you can be smart.

For a flexible easy payment plan with low profit charges and longer tenures, you can check out the RHB Smart Instalment and RHB Dial-An-Instalment. Or, if you're looking to consolidate all your credit card outstanding debts, have a look at the RHB Smart Move Balance Transfer plan.

Who can apply?

Anybody aged 21 years old and above can apply for RHB and RHB Islamic Credit Cards. All you need to prepare is a valid identification card and other income and financial supporting documents as required by RHB.

If you're a self employed individual, you need to have a business with a minimum of 5 years in operation to qualify for RHB credit card application.

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