RHB Visa Signature credit card

RHB Visa Signature

A free-for-life travel and cashback credit card for mass affluent that gives free travel insurance, golf privileges and complimentary airport lounge access.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 6% cashback
  • 4% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Earn up to 6% cashback every month on local retail spending (excluding cash advance, petrol and government transactions), and up to 2% cashback on all overseas retail spending.
Discover how much you can save when you shop with your new RHB Visa Signature
Cashback CategoryCashback RateMonthly CapSpend
Local Entertainment, Shopping, Online TransactionsSpendfrom RM1000 up to RM2499 monthly1%RM30from RM1000 up to RM2499 monthly
Local Entertainment, Shopping, Online TransactionsSpendfrom RM2500 up to RM3499 monthly2%RM30from RM2500 up to RM3499 monthly
Local Entertainment, Shopping, Online TransactionsSpendfrom RM3500 and above monthly6%RM30from RM3500 and above monthly
Other Local Retail SpendsSpendfrom RM1000 and above monthly0.2%uncappedfrom RM1000 and above monthly
Overseas Retail SpendsSpendfrom RM1000 up to RM2499 monthly0.5%RM100from RM1000 up to RM2499 monthly
Overseas Retail SpendsSpendfrom RM2500 up to RM3499 monthly1%RM100from RM2500 up to RM3499 monthly
Overseas Retail SpendsSpendfrom RM3500 and above monthly2%RM100from RM3500 and above monthly
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 months7% one-time upfront handling feefrom RM1000 
24 months9% 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
5x complimentary access to Plaza Premium Lounges in Malaysia for you to indulge in the exclusivity and privacy. Also, complement your journey with a free travel insurance coverage of RM600,000 for peace of mind.
Travel CoverageSum Insured
Travel InsuranceUp to RM600000
Delayed FlightUp to RM500
Missed FlightUp to RM500
Lost LuggageUp to RM1000
Delayed LuggageUp to RM500
Premium
Practice your swing at your favorite golf clubs in Selangor, Johor, Penang and Langkawi and enjoy zero green fees by RHB Golf Privileges, and 50% discount on green fees by Visa Premium Golf Program.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
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
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Are you eligible for this credit card?

Minimum annual income
RM80000
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 Visa Signature review

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

Fresh pressed out of the credit card oven comes the RHB Signature Credit Card. A Visa Signature card with a slight twist - it offers cash back on both domestic and international spending, a feature relatively unheard of in the Malaysian Signature credit card scene.

Local & overseas cashback

Earn up to 6% cashback when you spend a minimum of RM3,500 on Entertainment, Shopping and Online transactions locally, capped at RM30 per month. For other retail spending, you 0.2% cashback when you spend RM1,000 and above every month.

For overseas retail spending, you can earn up to 2% cashback, capped at RM100 per month, when you spend a minimum of RM3,500.

Travel benefits

Other perks include Visa Signature credit card is 5x times complimentary access to Plaza Premium Lounge access in Malaysia. But that's not all, you will also get discounted access to other airport lounges worldwide.

Travel insurance coverage

True to its travel card branding, the RHB Visa Signature gives you up to RM600,000 in travel insurance coverage, inclusive of travel inconveniences benefits such as missed flight, delayed flight, lost luggage and delayed luggage.

Free annual fee

There is no annual fee for principle and supplementary cardholders. However, RHB Visa Signature Credit Card is aimed at a slightly higher income segment, whose minimum income begins at RM80,000 per annum.

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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