RHB Platinum MasterCard credit card

Also available as Visa

RHB Platinum MasterCard

Practice your golf swing for free with a flash of RHB Platinum MasterCard, plus receive travel perks such as free insurance coverage and airport lounge access.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 4% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM212.00 annual fee
  • Earn up to 5x reward points 

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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Make every Ringgit spent with RHB credit card 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
EarnSpent
5 points on every RM1on dining during Birthday month
3 points on every RM1on dining and overseas retail
2 points on every RM1on shopping, utilities and insurance payments
1 point on every RM1on all other retail spend
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
12 months4% p.a. and 0% one-time upfront handling feefrom RM1000 
18 months7% p.a. and 0% one-time upfront handling feefrom RM1000 
24 months10.99% p.a. and 0% one-time upfront handling feefrom RM1000 
Learn more about RHB 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 
18 months9% one-time upfront handling feefrom RM1000 
24 months15% one-time upfront handling feefrom RM2000 
Learn more about RHB Dial-An-Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feefrom RM1000 
9 months0% p.a. and no one-time upfront handling feefrom RM1000 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about RHB Smart Instalment
Travel
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
Premium
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
RM212.00
  • Waived when you spend RM24,000 each year
Annual Fee for Supplementary Card
RM0
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
RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
MasterCard PayPass

All fees & charges are inclusive of 6% GST if applicable

Requirements

Are you eligible for this credit card?

Minimum annual income
RM48000
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
65 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

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

Easy Payment Plan
RHB Dial-An-Instalment
RHB Smart Instalment
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
RHB CashXcess
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
RHB Smart Move Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

RHB Platinum MasterCard review

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

Money don't come easily, make sure you are getting the most out of every Ringgit you spend. RHB Platinum MasterCard is here to help you to make that happen. Reward points, free protection, airline vouchers and more, they're all packed in a palm-sized card!

No Frills Points

Birthday celebration is often accompanied with awesome food and awesome food because what else makes you happier than eating at all-you-can-eat buffet with a bunch of close friends? 

Enjoy all the good food you deserve throughout your birthday month and get 5X RHB reward points for every RM1 charged to your card on dining transaction.

For everyday for the rest of the 11 months, you will be awarded with a ratio of 3 points to RM1 for all dining expenses. That's not all, any overseas retail purchases also earns you 3X reward points for every RM1 spent.

Also, get 2X reward points on things that you spend on regularly like utility bills, insurance premium and shopping whether at a physical or online store. 

Last but not least, RHB gives you one-to-one ratio for every Ringgit spent for all other retail spend. Do note that transactions on petrol, cash advance and government agencies will not earn you any reward point.

Air Miles Redemption

Now that you know it doesn't take forever to accumulate a sizable amount of points, convert them into 500 Enrich Miles with only 5,500 Reward Points. Apart from that, 6,000 Reward Points gives you 1,000 BIG Points or 500 Krisflyer Miles, the choice is yours. 

Plan your free trip with these air miles you can get and explore countries that you never have the chance to!

Free Protection

Before you pack your bag and fly off for a holiday, first check if you are well-covered against unforeseen incidents that is bound to happen. RHB furnishes you with free travel insurance when you charge your travel tickets to your RHB Platinum MasterCard!

With this insurance, you and your loved ones are financially protected against death, total and permanent disablement, flight delay, flight cancellation, luggage loss, delay of luggage and missed connecting flight.

Annual Fee Waiver

This credit card comes with an annual fee of RM212 inclusive of GST for principal cardholder, which can be waived with a minimum spend of RM24,000 per year which simply translates to RM2,000 every month.

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