RHB Platinum Visa credit card

Also available as MasterCard

RHB Platinum Visa

Get reward points that never expire on almost everything you spend on from dining to bill payment to garment purchases! Free travel insurance could be easily yours for free too.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 7.3% 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 Visa

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for RHB Platinum Visa

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to RHB website

If you have any questions let us know at can@ringgitplus.com, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

Benefits

Because you should be rewarded for giving the bank your business

Rewards
With non-expiring and evergreen RHB Reward-i points, upgrade your home with a selection of home appliances and kitchen essentials, tech gadgets for the family, and stylish travel luggages and backpacks. Receive 5X reward points on dining transaction on your birthday month and 3X reward points on all retail overseas spending!
RHB Rewards
EarnSpent
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 Visa via the RHB Smart Move Balance Transfer plan.
Pay OverWith Interest Rate AtWhen You Transfer
12 months7.3% p.a. and 4% one-time upfront handling feefrom RM1000 
18 months8.67% p.a. and 7% one-time upfront handling feefrom RM1000 
24 months10.22% p.a. and 10.99% 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 months1.2% one-time upfront handling feefrom RM1000 
6 months2.5% one-time upfront handling feefrom RM500 
12 months2.99% one-time upfront handling feefrom RM1500 
12 months5% one-time upfront handling feefrom RM1000 
24 months17.5% 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
RHB Points to Airmiles conversion and free up to RM600000 Travel Insurance.
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
RM212.00
  • Waived when you spend RM24,000 each year
Annual Fee for Supplementary Card
RM106.00
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%

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM48000
Minimum age for primary card holder
21 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 and RM106 for each supplementary cards, you can get it waived by spending at least RM24000 on your card per year. RM2000 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!

Read More