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.

RHB Visa SignatureTravel & Golf Perks!
Min. Income
Annual Fee
up to 6%
Balance Transfer
From 4% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a FREE
Giordano 20’ Luggage Bag
worth RM249
when you apply through RinggitPlus3

Giordano 20’ Luggage Bag


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.

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


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 RM600,000
Delayed FlightUp to RM500
Missed FlightUp to RM500
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM500


Practice your swing at your favorite golf clubs in Selangor, Johor, Penang and Langkawi and enjoy zero green fees by RHB Golf Privileges, and enjoy up to 50% discount on the walk-in green fees by Visa Premium Golf Program.

Balance Transfer

Exclusively for new customers, enjoy 0% interest for 12 months with RHB Smart Move Balance Transfer plan! 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 no one-time upfront handling feefrom RM1,000
18 months7% p.a. and no one-time upfront handling feefrom RM1,000
24 months10.99% 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 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.

RHB Dial-An-Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feeRM500
12 months5% one-time upfront handling feeRM1,000
18 months7% one-time upfront handling feeRM1,000
24 months9% one-time upfront handling feeRM2,000
Learn more about RHB Dial-An-Instalment
RHB Smart Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM1,000
9 months0% p.a. and no one-time upfront handling feeRM1,000
12 months0% p.a. and no one-time upfront handling feeRM1,000
24 months0% p.a. and no one-time upfront handling feeRM1,000
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 approval 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  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
RHB Dial-An-Instalment
Anything your heart desires is only a phone call away - swipe a minimum of RM500, choose your preferred tenure and off you go!
RHB Smart Instalment
Convert your purchase into affordable monthly instalments with 0% interest for up to 24 months. Combine all of your debts and use 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
Low rate balance transfer with up to 24 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 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 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 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.