Overview of RHB Bank Credit Cards In Malaysia
Life is full of unexpected surprises and wherever life takes you, RHB credit cards can be a great companion along the way. From cashback, reward points, travel benefits and everything in between — don't miss out on the wonders of your everyday lives with RHB cards in your pocket.
RHB Credit Cards Campaign FAQs:
For a limited time only, all approved applicants of eligible RHB credit card(s) will receive a guaranteed sign-up gift of an RM200 Touch & Go E-Wallet Credit.
This campaign runs from 29 November 2022 to 5 December 2022, subject to the campaign's terms and conditions.
Who is qualified for this promotion?
This campaign is open to new customers only. Existing principal cardholders or those who have cancelled their RHB credit card(s) within 6 months from the campaign’s start date are not eligible.
How to be eligible for the free gift?
Apply via RinggitPlus WhatsApp and get approved by RHB Bank, and subsequently make any retail transaction(s) within 60 days of the new credit card approval to be eligible for the sign-up gift.
Which credit card(s) can I apply for?
You can apply for the:
- RHB Visa Infinite
- RHB Visa Signature
- MyEG-RHB Credit Card
- RHB World Mastercard Credit Card
- RHB World Mastercard Credit Card-i
- RHB Premier Visa Infinite
- RHB Cash Back Visa Credit Card
- RHB Cash Back Mastercard Credit Card
- RHB Islamic Cash Back Credit Card-i
- RHB Rewards Visa Credit Card
- RHB Rewards Mastercard Credit Card
- RHB Islamic Rewards Credit Card-i
- RHB Rewards Motion Code Credit Card
- RHB Shell Visa Credit Card
- RHB Corporate Credit Card
Where can I reach out to you for more information?
For any questions, please get in touch with us via email at [email protected]. We’re happy to help!
What are the Features and Benefits of an RHB Credit Card?
Promising its user a great financial experience, let's check out the benefits of owning an RHB card.
1. Earn Cashback Everywhere
You know you have a great cashback credit card when you get rewarded for purchasing food and groceries online.
With the evolution of instant gratification and delivery services, RHB credit cards offer you cashback when you shop online and have deliveries made.
The RHB Cashback Visa Credit Card is a prime example of this benefit. Aside from just online spending, get cashback on your petrol purchase, dining and utilities as well.
Shopping, local entertainment and other online transactions besides your food orders also earn you some major cashback with the RHB Visa Signature.
2. RHB Rewards Points
Granted there are credit cards that are dedicated to selected movie theatres but what other credit card gives you 10 points for every RM1 spent on movie tickets?
RHB Rewards MasterCard has no cap on the number of tickets, or the money spent, you constantly get rewarded for a binge watch your favourite movies regardless of the cinema you visit.
Another perk of RHB Bank credit cards is the MyEG-RHB Credit Card that offers you points and rewards when you spend on MyEG services.
This means, renewing your road tax and paying your traffic summons also gives you non-expiry redeemable credit card points.
3. RHB Bank Business Credit Cards
RHB Bank is one of the few banks more well-known for their range of Business Credit Cards.
Business owners, you have two cards to choose from if you are looking to get a credit card for your business expenses.
The RHB Platinum Business Visa and RHB Platinum Business MasterCard both offer you cashback on local and overseas retail spending.
The RHB credit cards can be applied to any type of business as long as they have been in operation for at least 5 years.
The cards will receive dual statements both for the employee or person using the card and a secondary statement for the business owner to track their business spending.
4. RHB Travel Insurance Coverage
Travelling and trying to enjoy your vacation while worrying about emergencies and flight plans can be stressful.
Selected RHB Credit Cards provide you with complimentary travel insurance when you purchase your flight tickets with your RHB Card.
Enjoy free coverage of up to RM2 million for travel inconveniences, such as luggage delay, luggage loss, flight delay and missed flights.
The travel perk also gives you complimentary unlimited airport lounge access in Malaysia and Singapore.
5. RHB Balance Transfer with RHB Smart Move
Moving your credit card outstanding balance to your RHB Credit Cards could mean lower interest rates for you on the whole.
RHB Smart Move Balance Transfer Plan offers interest rates as low as 4.99% per annum and repayment periods of up to 36 months.
On top of that, there is no up-front fee imposed on the balance that you transfer or your payment.
What are the interest rates for RHB credit cards?
Similar to most banks in Malaysia, RHB adheres to a tiered interest rate of 15% - 18% per annum as recommended by Bank Negara Malaysia.
Of course, credit card interest rates also rely heavily on an individual’s repayment and spending habits.
Inconsistent repayments and high outstanding balances are more likely to increase your interest rates per month.
What are the minimum monthly repayments for RHB credit cards?
RHB Bank credit cardholders are required to make minimum monthly repayments of 5% of the current balance or a minimum of RM50, whichever is higher.
If your full payment is made within the 20-day grace period then of course no interest is charged.
Failure to do so may result in a late payment charge of a minimum of RM10 or 1% of the total outstanding balance (excluding interests and fees), whichever is higher and up to a maximum of RM100.
How much does it cost to get a replacement RHB Bank credit card?
If you lose your RHB Bank credit card or if it is stolen or damaged, you can get a replacement credit card for RM50 per card within 5-7 working days from the date of issuance.
How do I apply for RHB Credit Card?
RHB credit card applications can be made online! All you have to do is to compare all the cards and apply now.
To apply for an RHB card, the principal cardholder will have to be at least 21 years old, while the supplementary cardholder is to be at least 18 years old.
Minimum annual income differs from card to card.
|APPLY FOR RHB CREDIT CARD - ELIGIBILITY|
|Age of Principal Cardholder||Minimum 21 years old|
|Age of Supplementary Cardholder||Minimum 18 years old|
|Income Requirement (monthly)*||
*Please note that the minimum income requirement for expats might be different.
What are the documents required to apply for RHB credit cards?
You can compare and apply for an RHB Bank credit card online here.
To speed up your RHB credit card application, it’s best to prepare the general documents required for the RHB Bank credit card application.
|DOCUMENTS FOR RHB CREDIT CARD APPLICATION|
|Salaried Employee||Salaried Expatriate||Self-employed|
✔ Copy of IC (both sides)
✔ Latest EPF statement or latest 2 months' salary slip*
✔ Latest BE form with a tax receipt
✔ 3 months of bank statements
✔ Latest EA form
✔ Copy of Passport
✔ Latest 2 months' salary slip*
✔ Work permit valid for at least 6 months at the time of application
✔ Letter of employment
|✔ Copy of IC (both sides)
✔ Photocopy of Business Registration form
✔ 6 months' bank statements, or the latest Form B with a tax receipt
*Number of months of salary slips required will depend on the nature of your work. Have your commission slips with you, if available.
List of the Best RHB Credit Cards in Malaysia 2022:
A premium credit card with cashback benefits, that reward you on local entertainment, shopping, online transactions, retail, and overseas spending.
As well as travel benefits and airport lounge access. What more could you want, knowing you have a card worth the effort and NO annual fee for life?
Save the most with the best when you have this card in your wallet.
The credit card anyone can have, with a minimum annual income requirement of only RM24,000 this card is one of the more accessible RHB Cards.
Get cashback on all your online food and grocery delivery, petrol, dining and utilities as well as another spending.
This card gives you rewards on everything and multiple credit line options for emergencies, whether it’s a balance transfer, payment plan or cash advance, this card has it all.
Whether you are a fan of the Visa Privilege or the MasterCard World pass, these two RHB credit cards offer you some of the best deals and rewards you could find.
It offers you benefits on local travel, petrol, dining, and local and overseas retail as well as complimentary travel Insurance coverage for travel inconveniences.
The RHB Bank credit cards both come with airport lounge access and no annual fee for life, so you will not have to worry about that either.
Business owners converge and check out this card for all your business expenses with its high credit limit and the security that you need.
Some of the Top RHB Islamic Credit Cards in 2022
For Muslims who prefer to own Shariah-compliant credit cards, there's an array of RHB Islamic credit cards that you can apply for online such as: