RHB Platinum MasterCard credit card

Also available as Visa

RHB Platinum MasterCard

Easy reward points that last forever, free golf country club entry and preferred exchange rates at KLIA, all of these for your spending pleasure!

  • 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 

Apply online now for RHB Platinum MasterCard

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Because you should be rewarded for giving the bank your business

Have a smooth ride to your free gift and airmiles redemption with 5X reward points you get on dining transactions throughout your whole birthday month and 3 points on a normal day. Spend overseas with your credit card and get triple the points too!
RHB Rewards
5 points on every RM1on dining during Birthday month
3 points on every RM1on dining and overseas retail
2 points on every RM1shopping, utilities and insurance payments
1 point on every RM1on all other retail
Rewards points earned never expires
Balance Transfer
Enjoy interest as low as 4% on your outstanding balance when your transfer your credit card debt to your brand new RHB Platinum MasterCard via the RHB Smart Move Balance Transfer plan.
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)
Pay for your big ticket items with RHB Smart Instalment at 0% one-time upfront interest for up to 24 months at selected merchants. RHB Dial-An-Instalment offers payment terms of 6 to 24 months on any retail purchase.
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 with absolute peace of mind with free travel insurance you can get that covers physical disablement, missed connecting flight, luggage delay and more!
Travel CoverageSum Insured
Travel InsuranceUp to RM600000
Delayed FlightUp to RM500
Missed FlightUp to RM500
Lost LuggageUp to RM1000
Delayed LuggageUp to RM500

Fees & Charges

There are always fees but how much are they?

Annual Fee
Annual Fee for Supplementary Card
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 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals

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


Are you eligible for this credit card?

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


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 5 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, whether you are eating at a mamak or hotel. 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 5500 points. Apart from that, 6000 points gives you 1000 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 and RM106 for supplementary cards but don't frown just yet! It can be waived with a minimum spend of RM24,000 per year which simply translates to RM2000 every month.

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