Best RHB Credit Cards in Malaysia 2024

RHB has got you covered with credit cards for all needs — from cashback, rewards, air miles, and airport lounge access, to business expenses. So don’t miss out on exclusive promotions and apply online with us today!

Get a FREE
Touch 'n Go E-Wallet Credit
worth RM5000
when you apply through RinggitPlus *

Touch 'n Go E-Wallet Credit

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Overview of RHB Bank Credit Cards In Malaysia

Life is full of 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, qualified applicants of eligible RHB credit card(s) will receive a free sign-up gift of either the following:

  • RM5,000 Touch 'n Go E-Wallet Credit (For one (1) randomly selected qualified applicant per week based on the bank's approval list, capped at 3 units)
  • RM400 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicants who have 2 approved RHB Credit Card applications)
  • RM300 Touch 'n Go E-Wallet Credit (Guaranteed)

This campaign runs from 10 June 2024 to 1 July 2024, 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 any of their RHB credit card(s) within 12 months before the date of application for the Campaign are not eligible.

How to be eligible for the gift?

Apply via RinggitPlus WhatsApp, get approved by RHB Bank to activate your new card, and subsequently make a minimum of one (1) retail transaction(s) as the Principal cardholder within 60 days of the new credit card approval to be eligible for the sign-up gift. 

Applicants who apply for two (2) eligible cards must make at least one (1) retail transaction on both the eligible cards as the Principal cardholder within 60 days of the new credit card approval.

The eligible transactions are retail transactions that include local and overseas retail spending and e-wallet top-ups.

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 Cash Back Visa Credit Card
  • RHB Cash Back Mastercard Credit Card
  • RHB Islamic Cash Back Visa Credit Card-i
  • RHB Islamic Cash Back Mastercard Credit Card-i
  • RHB Rewards Visa Credit Card
  • RHB Rewards Mastercard Credit Card
  • RHB Islamic Rewards Visa Credit Card-i
  • RHB Islamic Rewards Mastercard Credit Card-i
  • RHB Rewards Visa Motion Code Credit Card
  • RHB Rewards Visa Motion Code Credit Card-i
  • RHB Shell Visa Credit Card
  • RHB Shell Visa Credit Card-i

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 users a great financial experience, let's check out the benefits of owning an RHB card.

Earn cashback everywhere every month

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 attractive cashback with the RHB Visa Signature.

Get attractive RHB Rewards Points

Granted there are credit cards that are dedicated to selected movie theatres but what other credit card gives you 10 reward 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 binge-watching 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 rewards points 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.

Rewarding benefits on business spending

RHB Bank is one of the few banks more well-known for their business credit cards. 

Business owners, you have an RHB Corporate Credit Card for your business expenses which offers you unlimited cashback on local and overseas business retail spending.

The said RHB credit card can be applied to any type of business registered in Malaysia, as long as they have been in operation for at least two years.

RHB complimentary 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 airport lounge access in selected airports.

Balance transfer with RHB Smart Move

Moving your credit card outstanding balance to your RHB Credit Cards could mean lower interest rates for you.

RHB Smart Move Balance Transfer Plan now offers a 0% interest rate per annum over a repayment period of 12 months with a minimum transfer of RM1,000. This promotional rate is subject to terms and conditions and is valid until 31 December 2024.

Otherwise, you can also opt for tenures of 6, 24 and 36 months with interest rates ranging from as low as 4.88% per annum.

To top it off, 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% to 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 five to seven working days from the date of issuance.

How do I apply for an RHB Credit Card?

RHB credit card applications can be made online at RinggitPlus! All you have to do is compare all the cards and apply. 

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. 

The minimum annual income, on the other hand, differs from card to card.

Age of Principal Cardholder Minimum 21 years old
Age of Supplementary Cardholder Minimum 18 years old
Nationality Anyone
Income Requirement (monthly)*

*Please note that the minimum income requirement for expatriates 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 with RinggitPlus. 

To speed up your RHB credit card application, it’s best to prepare the general documents required for the RHB Bank credit card application.

Salaried Employee Salaried Expatriate Self-Employed
Copy of your IC (both sides)
✔ Latest EPF statement or latest 3 months' salary slip*
✔ Latest BE form with an official tax receipt
Up to 3 months of bank statements
✔ Latest EA form
Copy of Passport
✔ Latest 3 months' salary slip*
✔ Work permit valid for at least 6 months at the time of application
✔ Letter of employment
Copy of your IC (both sides)
 Photocopy of Business Registration form
 6 months' bank statements, or the latest Form B with an official tax receipt

*The number of months of salary slips required will depend on the nature of your work. Have your commission slips with you, if available.

Best RHB Credit Cards in Malaysia 2024

RHB Visa Signature

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 free passes to the selected airport lounges. 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.

RHB Cash Back Visa Credit Card

The credit card anyone can have, with a minimum annual income requirement of only RM24,000, 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 other 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.

RHB Shell Visa Credit Card

If you've always been a fan of fueling your car at Shell, then you need to get this credit card to reap its cashback benefit!

Every month, you can get to enjoy up to 12% cashback just for petrol spending at Shell. However, the rebate that you'll earn will be dependent on how much you spend in a month.

On top of that, spending on your necessities such as buying groceries, paying for utilities, reloading your e-wallet and spending online also gets you attractive cashback!

Top RHB Islamic Credit Cards in Malaysia 2024

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:

RHB Islamic Cash Back Credit Card-i

Shop for your daily necessities and get rewarded with as high as a 10% cash rebate.

The spending categories eligible for the cashback include dining, grocery delivery, petrol, and utility payment, just to name a few.

RHB Islamic Limited Edition White Visa Rewards Credit Card-i

Are you an avid moviegoer? This card rewards you with 10x Rewards Points for every RM1 you spend on movie tickets at any movie theatre you frequent.

Another spending you made online, on insurance or Takaful, on retail shopping gets you rewards points too.

And with all the accumulated rewards points, you can then redeem them with exciting gifts and/or vouchers, frequent flyer miles and many more.

RHB World Mastercard Credit Card-i

A traveller like you deserves a good credit card companion to make your travelling even more meaningful.

This credit card offers you 5x free passes to participating Plaza Premium Lounge in selected airports. Your accompanying guest(s) can also enjoy 25% off the walk-in rates as well.

Now isn't that great? You get to unwind and relax from the hustle and bustle in the general area of the airport before your departure.

Besides that, you may also get rewarded with up to 6% cashback on categories like local travel, petrol and dining transactions. Spending outside of Malaysia earns you up to 2% cashback.

RHB Islamic Rewards Motion Code Credit Card-i

Ever wonder what this Motion Code is? It is a safety technology feature that provides you protection against online fraud. This means you can fully enjoy your online shopping and earn 3x rewards points with peace of mind.

Other spending categories that qualify you for attractive rewards points include movie ticket purchases, overseas transactions, health-related spending, insurance/Takaful spending as well as retail shopping.

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