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

Get A RM100 Touch 'n Go Card With Your New RHB Credit Card

Get A RM100 Touch 'n Go Card With Your New RHB Credit Card


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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 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
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
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
RM80000
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
65 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. 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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