RHB Visa Signature

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

RHB Visa SignatureTravel & Golf Perks!
Min. Income
Annual Fee
up to 6%
Balance Transfer
From 4.88% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

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Earn up to 6% cashback every month on local online, entertainment and retail spending (excluding cash advance, charity, petrol and government transactions). Up to 2% cashback on all overseas retail spending.

Local Entertainment, Shopping and Online Transactions1%RM30from RM1,000up to RM2,499 monthly
Local Entertainment, Shopping and Online Transactions2%RM30from RM2,500up to RM3,499 monthly
Local Entertainment, Shopping and Online Transactions6%RM30from RM3,500 or above monthly
Other Local Retail Spends0.2%uncappedfrom RM1,000up to RM2,499 monthly
Other Local Retail Spends0.2%uncappedfrom RM2,500up to RM3,499 monthly
Other Local Retail Spends0.2%uncappedfrom RM3,500 or above monthly
Overseas Retail Spends0.5%RM100from RM1,000up to RM2,499 monthly
Overseas Retail Spends1%RM100from RM2,500up to RM3,499 monthly
Overseas Retail Spends2%RM100from RM3,500 or above monthly


5x complimentary access and 25% discount for all accompanying guests to selected Plaza Premium Lounges/Aerotel in Malaysia for you to indulge in exclusivity and privacy. On your sixth visit onward to the lounges in Malaysia, you'll get a 25% discount on the walk-in rate too. Meanwhile, for lounges around the world (except in Shanghai and Beijing), you can get a 20% discount. Plus, complement your journey with free travel insurance coverage of RM600,000 for peace of mind.

Travel CoverageSum Insured
Travel InsuranceUp to RM600,000
Delayed FlightUp to RM500
Missed FlightUp to RM500
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM500


Practice your swing at your favourite golf clubs in Selangor, plus enjoy zero green fees with RHB Golf Privileges. Terms and conditions apply.

Balance Transfer

Transfer your outstanding balance from other credit cards to an RHB credit card via the Smart Move Balance Transfer plan to benefit from low-interest rates and flexible repayment terms.

Pay OverWith Interest Rate AtWhen You Transfer
6 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
12 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.88% p.a. and no one-time upfront handling feefrom RM1,000
36 months6.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about RHB Smart Move Balance Transfer

Easy Payment Plans

Turn your wish list into reality with a flexible payment plan of up to 36 months from an RHB credit card at ZERO interest.

RHB Smart Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about RHB Smart Instalment

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
RHB Smart Instalment
Convert your purchase into affordable monthly instalments with 0% interest for up to 36 months. Use the 100% available credit limit under this plan.
Cash Advance / Cash Loan
RHB CashXcess
Need extra cash? Apply for RHB CashXcess and enjoy low interest rates at affordable monthly instalments.
Balance Transfer Plans
RHB Smart Move Balance Transfer
Enjoy great savings with interest rates as low as 4.88% per annum for up to 36 months to repay and consolidate your debt from other credit cards to your new RHB credit card.


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

RHB Visa Signature: Get Local and 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 types of retail spending, you can earn up to 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 RM1,000.

No Annual Fee

There is no annual fee for principal 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.

RM600,000 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 flights, delayed flights, lost luggage and delayed luggage. You can find more details about this privilege here.

RHB Visa Signature Travel Benefits - Access to Plaza Premium Lounges

Other perks included in the RHB Visa Signature credit card are 5x complimentary access to participating Plaza Premium Lounges/Aerotel in Malaysia. Once used up, you will get a 25% discount for the walk-in rates.

Meanwhile, all accompanying guests will get to enjoy a 25% discount on lounge access as well.

But that's not all, you will also get discounted access to other selected airport lounges worldwide as much as 20% off except for Shanghai and Beijing.

You can check out more details about this exclusive privilege and the list of participating lounges in the T&C here. For a list of participating lounges overseas, you can find them here.

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