RHB Visa Signature credit card

RHB Visa Signature

Amazing rewards and exclusive privileges. Unlimited 1% cashback on overseas and online spending.

  • 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)
  • RM636.00 annual fee

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Because you should be rewarded for giving the bank your business

Unlimited 1% cashback on all online and overseas transactions. 0.5% cashback on all other transactions except petrol (capped at RM200 per month).
Discover how much you can save when you shop with your new RHB Visa Signature
Cashback CategoryCashback RateMonthly CapSpend
Shopping, Entertainment and Online PurchasesSpendfrom RM1000 up to RM2499 monthly1%RM35from RM1000 up to RM2499 monthly
Shopping, Entertainment and Online PurchasesSpendfrom RM2500 up to RM3499 monthly2%RM35from RM2500 up to RM3499 monthly
Shopping, Entertainment and Online PurchasesSpendfrom RM3500 and above monthly6%RM35from RM3500 and above monthly
Other Local RetailSpendfrom RM1000 and above monthly0.2%RM15from RM1000 and above monthly
Other Overseas RetailSpendfrom RM1000 up to RM2499 monthly0.5%RM100from RM1000 up to RM2499 monthly
Other Overseas RetailSpendfrom RM2500 up to RM3499 monthly1%RM100from RM2500 up to RM3499 monthly
Other Overseas RetailSpendfrom RM3500 and above monthly2%RM100from RM3500 and above monthly
Balance Transfer
Enjoy interest as low as 4% on your outstanding balance when your transfer your credit card debt to your brand new RHB Visa Signature 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% 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
Complimentary access to Plaza Premium Lounges in Malaysia, Visa Signature Hotel privileges worldwide, and 24/7 Visa International Concierge Service. Travel insurance coverage up to RM2000000.
Travel CoverageSum Insured
Travel InsuranceUp to RM600000
Delayed FlightUp to RM500
Missed FlightUp to RM500
Lost LuggageUp to RM1000
Delayed LuggageUp to RM500
Complimentary and discounted golf privileges at over 8 golf courses in Malaysia.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Waived when minimum spending of RM50000 per year
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
Contact-less Payment Methods

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 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. But how does it stand up against the competition?

Cashback benefits

At first glance you’ll see the advantage of the RHB card. Uncapped cash back at 1% on all … wait for it… online and overseas spending.

The cashback for all other spending is set at a lower 0.5% capped at RM200 per month per customer (still one of the highest caps in the market for general cash back cards).

Other perks include Visa Signature’s ‘signature’ free Plaza Premium Lounge access in Malaysia four times a year and discounted access to other airport lounges worldwide. This alone is worth over RM400. You will also enjoy golfing benefits at over 8 golf courses in Malaysia.

True to its travel card branding, the RHB Visa Signature gives you up to RM2 million in travel insurance coverage and complimentary membership with luxury hotel groups such as Langham Hospitality Group, Visa Hotel Club and Visa Signature Luxury Hotels Collection. As is to be expected, the Visa Signature Concierge will be at your service for all your travel needs (booking, itinerary arrangements, etc).  Similar concierge services would charge you over RM1000 for an annual membership.

Luxury for less

This card is aimed at a slightly higher income set, the minimum approved credit limit is RM30000 and minimum income requirement is RM100000 per annum. 

Free annual fee

Annual fee is chargeable at RM636 for principle cardholders and RM318 for supplementary cardholders. After the first year you can waive your annual fee by charging RM50000 onto your card every twelve months. However, the annul fee is subjected to 6% GST.

The RHB card’s uncapped cash back for overseas spending is a good deal if you are a frequent traveller and find you spend a lot overseas. The additional 0.5% for domestic spending may not appear like much but should add up over the year. A yearly spend of RM30000 overseas (RM2500 per month) and RM30000 domestic (another RM2500 per month) will give you RM450 in cash back a year and waive your annual fee. That’s a good cash back rebate when considered alongside the other premium benefits offered.

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