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    RHB Rewards Credit Cards

    RHB Bank offers you various rewards cards. These cards help you get rewards points on several retail categories. Depending upon the type of card, you can earn different sets of rewards points. These points can be used to get air miles, airline vouchers, redeem gift items, and get shopping vouchers.

    RHB Visa Infinite Credit Card

    RHB Visa Infinite Credit Card helps you earn rewards points with all transactions you perform within the country as well as overseas. Let’s take a look at how many points you can earn with this card:

    Retail Transaction RHB Rewards Points Earned
    Purchases made overseas 5x RHB Rewards Points
    Purchases made locally 1x RHB Rewards Points

    Features and Benefits

    RHB Visa Infinite Credit Card lets you enjoy a range of benefits and privileges. This includes golf privileges, lounge privileges, and multiple other benefits.

    • Enjoy a lifetime annual fee waiver with RHB Visa Infinite Credit Card.
    • Enjoy unlimited complimentary access to selected Plaza Premium Lounges in Malaysia and Singapore.
    • Get 20% discount when you shop at a range of Plaza Premium Lounges across the globe.
    • Get complimentary green fee at a list of major golf clubs across the nation.
    • Get a complimentary travel insurance coverage worth RM2 million with travel bookings made using this card.
    • Redeem air miles from more than 40 airline partners using the RHB Rewards Points earned with every transaction.
    • Get a range of preferred foreign currency exchange rate for your travel.
    • Enjoy a range of Visa Infinite privileges with your card’s usage.

    RHB Premier Visa Infinite Credit Card

    With the help of your RHB Premier Visa Infinite Credit Card, you can maximise earning rewards points with a range of different retail transactions. Let’s take a look at the card’s benefits:

    Retail Transaction Rewards Points Earned
    Overseas transactions 8x Rewards Points
    Local hotels 3x Rewards Points
    Airlines 3x Rewards Points
    Duty-free products 3x Rewards Points
    Online purchases 3x Rewards Points
    Dining 3x Rewards Points
    All other retail transactions 1x Rewards Points

    Features and Benefits

    Use your RHB Premier Visa Infinite Credit Card to make purchases overseas and to get various benefits related to golf and travel. Here are the benefits associated with this card you can enjoy:

    • Enjoy annual fee waiver for life with this card.
    • Get unlimited access to Plaza Premium Lounges in Hong Kong, London, Malaysia, Taipei, and Singapore every year.
    • Get complimentary green fee for tee-offs at a list of major golf clubs within the country.
    • Use your rewards points to redeem air miles from more than 40 airline partners like Enrich Miles.
    • Obtain a complimentary travel insurance coverage every time your book your travel using this card.
    • Get foreign currency exchange at preferred rates of conversion with the help of your card.

    RHB Platinum Credit Card

    RHB Platinum Credit Card earns you rewards points with every swipe. The card helps you maximise the earning of these points during your birthday month. There is a range of other retail categories that also earn you points with every purchase.

    Retail Transaction RHB Rewards Points Earned
    Retail Transaction RHB Rewards Points Earned
    Dining during your birthday month 5x RHB Rewards Points
    Dining (every other month) 3x RHB Rewards Points
    Retail transactions performed overseas 3x RHB Rewards Points
    Utility 2x RHB Rewards Points
    Shopping 2x RHB Rewards Points
    Insurance related transactions 2x RHB Rewards Points
    All other retail transactions 1x RHB Rewards Points

    Features and Benefits

    Use your RHB Premier Visa Infinite Credit Card to make purchases overseas and to get various benefits related to golf and travel. Here are the benefits associated with this card you can enjoy:

    • Enjoy annual fee waiver for life with this card.
    • Get unlimited access to Plaza Premium Lounges in Hong Kong, London, Malaysia, Taipei, and Singapore every year.
    • Get complimentary green fee for tee-offs at a list of major golf clubs within the country.
    • Use your rewards points to redeem air miles from more than 40 airline partners like Enrich Miles.
    • Obtain a complimentary travel insurance coverage every time your book your travel using this card.
    • Get foreign currency exchange at preferred rates of conversion with the help of your card.

    MyEG-RHB Credit Card

    MyEG-RHB Credit Card earns you rewards points with every transaction associated with Malaysian e-government services. The card also earns you points with every other retail transaction.

    Retail Transaction RHB Rewards Points Earned
    Retail Transaction RHB Rewards Points Earned
    Transactions made via MyEG services 5x RHB Rewards Points
    All other spends 1x RHB Rewards Points

    Features and Benefits

    MyEG-RHB Credit Card helps you get rewards points with transactions made via MyEG counters and official website. Here are the benefits of this card you can enjoy:

    • Pay utility bills, renew roadtax, pay insurance premiums, and use any MyEg service with your card.
    • Redeem shopping vouchers and a wide array of gadgets using your rewards points under the Smart Rewards Services.
    • Pay your monthly bills conveniently via the Smart Pay feature.
    • Withdraw cash according to your needs with the help of the CashXcess facility.

    SOGO-RHB Credit Card

    SOGO-RHB Credit Card helps you maximise rewards points earned on transactions made at SOGO store and supermarket. Here are the details of these reward points:

    Retail Transaction Rewards Points Earned
    Retail Transaction Rewards Points Earned
    Shopping at SOGO Stores 1 SOGO Reward Point per RM1 spent.
    Shopping at SOGO Supermarket 1 SOGO Reward Point per RM2 spent.
    Shopping anywhere else 1 SOGO Reward Point per RM2 spent.

    Features and Benefits

    SOGO-RHB Credit Card earns your cashback as well as SOGO Rewards Points with purchases made at SOGO stores and supermarkets. Let’s take a look at the benefits of this card:

    • Earn a cashback of up to 5% with your purchases made at SOGO store and supermarket.
    • Redeem gifts and shopping vouchers using your SOGO points under the Smart Rewards Services.
    • Transfer outstanding balances of other banks’ credit cards on to your RHB card at a range of competitive interest rates with the help of the Smart Move facility.
    • Get access to quick funds with the help of the CashXcess facility.

    How Does an RHB Rewards Credit Card Work?

    Let’s take a look at how you can earn rewards points with RHB cards with the help of following examples:

    The following example explains how many points you can earn with your RHB Platinum Credit Card during your birthday month:

    Retail Transaction Amount Spent Per Month Rewards Points Earning Rewards Points Earned Rewards Points Earned Total Rewards Points Earned
    Retail Transaction Amount Spent Per Month Rewards Points Earning Rewards Points Earned Total Rewards Points Earned
    Dining during your birthday month RM600 5x 3,000 9,600 Rewards Points
    Retail transactions performed overseas RM1,000 3x 3,000
    Utility RM400 2x 800
    Shopping RM600 2x 1,200
    Insurance related transactions RM200 2x 400
    All other retail transactions RM1,200 1x 1,200

    Let’s look at another illustration for SOGO-RHB Credit Card:

    Retail Transaction Amount Spent Per Month Cashback Earned Rewards Points Earned Total Rewards Points Earned
    At SOGO stores RM500 5% of RM900 = RM45 500 SOGO Rewards Points 700 SOGO Rewards Points
    At SOGO supermarkets RM400 200 SOGO Rewards Points
    All other purchases RM1,100 -

    Fees and Charges

    Factors Fee
    Annual Fee (principal card) RHB Visa Infinite Credit Card: No charge.
    RHB Premier Visa Infinite Credit Card: No charge.
    RHB Platinum Credit Card: RM200.
    MyEG-RHB Credit Card: RM88.
    SOGO-RHB Credit Card: RM88.
    Annual Fee (supplementary card) RHB Visa Infinite Credit Card: No charge.
    RHB Premier Visa Infinite Credit Card: No charge.
    RHB Platinum Credit Card: No charge.
    MyEG-RHB Credit Card: No charge.
    SOGO-RHB Credit Card: No charge.
    Retail Interest Rate 15% p.a. to 18% p.a. on the basis of payments made every month for the last 12 months.
    Cash Withdrawal Fee 5% of the cash withdrawn or an amount of RM with every withdrawal, whichever is higher.
    Cash Advance Interest Rate 18% p.a. that will be calculated on a daily basis.
    Late Payment Fee 1% of the due amount on the card or an amount of RM10, whichever is higher (a maximum of RM100).
    Minimum Monthly Payment 5% of the total balance due on the card or an amount of RM50, whichever is higher.

    Eligibility Criteria

    Name of the Card Who Can Apply Age Required for the Principal Card Age Required for the Supplementary Card Income Requirement
    RHB Visa Infinite Credit Card Any Malaysian citizen and expatriates working in Malaysia. 21-65 years 18-65 years RM150,000 p.a.
    RHB Premier Visa Infinite Credit Card Any Malaysian citizen and expatriates working in Malaysia. 21-65 years 18-65 years -
    RHB Platinum Credit Card Any Malaysian citizen and expatriates working in Malaysia. 21-65 years 18-65 years RM48,000 p.a.
    MyEG-RHB Credit Card Any Malaysian citizen and expatriates working in Malaysia. 21-65 years 18-65 years RM24,000 p.a.
    SOGO-RHB Credit Card Any Malaysian citizen and expatriates working in Malaysia. 21-65 years 18-65 years RM24,000 p.a.

    Documents Required

    Applicant type Required documents
    Applicant type Required documents
    Salary-earning Applicants
    • One copy of MyKad (both front and back page).
    • Bank statement from the salary crediting account.
    • Salary slip for the last month.
    • Your latest EPF statement.
    Self-employed Applicants
    • One copy of MyKad (both front and back page).
    • Certificate of business registration.
    • Form 9, 24, and 49.
    • Latest form B with the receipt showing the tax payment.
    Salary-earning Expatriates
    • One copy of passport.
    • Employment letter.
    • One copy of the valid work permit in Malaysia (with a minimum of 6 months validity).
    • One copy of your last month’s pay slip.
    • Your salary crediting bank statement.

    Applying for RHB Rewards Credit Card

    Mode Process
    Online application
    • Go to the official website of RHB Bank.
    • Choose your card and click on ‘Apply Now’.
    • Fill up the relevant application form with the details required.
    • Upload the necessary documents required for the process.
    • Submit the form.
    Offline application
    • Go to the nearest branch of RHB Bank.
    • Choose your rewards card.
    • Fill up the relevant application form with personal and financial details.
    • Submit the documents required to the bank for verification.
    • Submit the form along with all the supporting documents for approval.

    Different RHB Rewards cards earn you different types of rewards points with a range of retail transactions. These cards also come with a list of privileges related to travel, shopping, and many other categories. In order to find the suitable card for your needs, you can compare the available cards on the basis of their benefits and fees and other charges associated with these cards.

    FAQs on RHB Rewards Credit Cards

    Q. What are the retail transactions that do not earn me rewards points with my RHB cards?

    A. The following retail transactions made using your RHB cards do not earn you rewards points:

    • Cash advances
    • Government services
    • Petrol transactions (only for RHB Visa Infinite Credit Card, RHB Premier Visa Infinite Credit Card, and RHB Platinum Credit Card)
    • Charity
    • Fee payments

    Q. What is the validity period of the rewards points I earn with my RHB cards?

    A. The rewards points earned with RHB Platinum Credit Card, RHB Premier Visa Infinite Credit Card, and RHB Visa Infinite Credit Card come with a validity of a lifetime. However the points earned with SOGO-RHB card come with a validity of 2 years and the points earned with MyEG-RHB card come with a validity period of a year.

    Q. What are the benefits I can get with my rewards points?

    A. You can redeem gifts, vouchers, and redeem air miles from the partnering airlines.

    Q. What is the maximum limit of cashback I can earn with my SOGO-RHB card?

    A. You can get a maximum of RM50 in the form of cashback with purchases made at SOGO stores and supermarkets with your SOGO-RHB card.

    Q. Is there a limit on how many rewards points I can earn with my RHB cards?

    A. No, there is no cap on the rewards points you can earn with these cards.

    Q. Can I add the rewards points earned on supplementary card to that of the principal card?

    A. Yes, you can add the points earned on both primary and supplementary card.

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