RHB Platinum Visa credit card

Also available as MasterCard

RHB Platinum Visa

Travel your way up with a Platinum credit card that gives Reward Points, Airport Lounge access, free travel insurance and golf privileges too.

  • 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
Visa payWave

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
60 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 Visa review

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

Spruce up your life with array of free exhilarating items you can get with RHB Platinum Visa credit card. Turn every swipe of yours to work in your favour, from getting free insurance to preferred exchange rates, don't miss out any of them!

Quintuple Reward Points

What's the next mathematical term after quadruple (four)? Just as the title says, quintuple! Yes, get 5 reward points for every RM1 you spend on eating out during your birthday month, be it a 5 start restaurant or McDonald's. That's the right time to pamper yourself with mouthwatering buffet you've been saving up for.

On a regular day, you are entitled to 3X reward points on all dining transactions too. Don't miss any opportunity to get them reward points, bring it along when you travel and receive 3 reward points for every RM1 charged to your card in overseas.

Not just that, transactions on utilities, insurance premium and shopping earns you double reward points and 1X point for all other retail spend excluding petrol transaction, charity and payments to government agencies.

Waive Your Annual Fee

While this credit card comes with an annual fee of RM212, you can get it waived by spending at least RM24,000 on your card per year. RM2,000 a month is not really an astronomical figure, car installment and utility bills could easily take up half it.

Complimentary Travel Insurance

Don't let safety slip off your mind when you're planning for a vacation. Pay your travel tickets with RHB Platinum Visa credit card and get yourself free travel insurance that compensates you in the event of death, permanent disablement, delay of flight, luggage delay and missed connecting flight!

Better Exchange Rates

Stop hopping around money exchange to look for the best rate. Get RHB Platinum Visa cardholder exclusive exchange rate at KLIA, KLIA2 or Kota Raya Complex!

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