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    RHB Travel Credit Cards

    A travel credit card assists you throughout your journey. From booking your flight tickets and hotel rooms to shopping overseas, a travel card offers a range of benefits at every step. There are a number of travel credit cards offered by RHB Bank that can help you get discounted airfares and other such travel perks every day.

    RHB Premier Visa Infinite Credit Card

    The RHB Premier Visa Infinite Credit Card earns you Rewards Points on every retail transaction made on it. You can redeem these points for Enrich Miles and enjoy discounted airfares.

    Retail Category Rewards Points Air Mile Redemption
    Overseas Retail Purchases 8x Rewards Points 6,000 Rewards Points = 1,000 Enrich Miles
    Local Hotels 3x Rewards Points
    Airline Spends 3x Rewards Points
    Dining 3x Rewards Points
    Online Purchases 3x Rewards Points
    Duty-free Transactions 3x Rewards Points
    All Other Retail Purchases 1x Rewards Points

    Let’s look at the mechanism of earning Air Miles with the RHB Premier Visa Infinite Credit Card by going through the following illustration:

    Type of Retail Transaction Monthly Spend Rewards Points Earning Rate Rewards Points Earned Air Mile Redemption
    Overseas Retail Purchases RM600 8x Rewards Points 4,800 Total Rewards Points earned = 10,700
    Local Hotels RM100 3x Rewards Points 300 6,000 Rewards Points = 1,000 Enrich Miles
    Airline Spends RM500 3x Rewards Points 1500
    Dining RM300 3x Rewards Points 900 Total Miles Earned = 1,000
    Online Purchases RM200 3x Rewards Points 600
    Duty-free Transactions RM200 3x Rewards Points 600 Balance Rewards Points for the subsequent month = 4,700
    All Other Retail Purchases RM2,000 1x Rewards Points 2,000

    RHB World Mastercard Credit Card

    The RHB World Mastercard provides cashback on retail transactions related to dining, travel, petrol, and other categories made locally as well as overseas. Here are the details of different benefits associated with this card:

    Retail Category Monthly Spend Cashback Rate Cashback Cap
    Travel RM1,000 to RM2,499 1% RM30 per month
    RM2,500 to RM3,499 2%
    RM3,500 or more 6%
    Petrol RM1,000 to RM2,499 1% RM30 per month
    RM2,500 to RM3,499 2%
    RM3,500 or more 6%
    Dining RM1,000 to RM2,499 1% RM30 per month
    RM2,500 to RM3,499 2%
    RM3,500 or more 6%
    Overseas Purchases RM1,000 to RM2,499 0.5% RM100 per month
    RM2,500 to RM3,499 1%
    RM3,500 or more 2%
    Others RM1,000 or more 0.2% No monthly cap

    The RHB World Mastercard Credit Card offers a high rate of cashback on a range of retail transactions. The card also comes with a wide array of exclusive privileges and deals that you can enjoy. The benefits associated with this card are as follows:

    The following illustration describes the working mechanism of the RHB World Mastercard Credit Card:

    Retail Category Monthly Spend Cashback Rate Cashback Amount
    Travel RM1,000 6% RM30 (Capped to RM30 from RM60)
    Petrol RM500 6% RM30
    Dining RM300 6% RM18
    Overseas Purchases RM500 2% RM10
    Other Retail Transactions RM1,500 0.2% RM3
    Total RM3,800 - RM91

    In this illustration, for your monthly spend of RM3,800, you can save an amount of RM91.

    RHB Platinum Credit Card

    The RHB Platinum Credit Card lets you earn RHB Reward Points with every retail purchase and also offers a range of exclusive golfing and airport lounge privileges. Let’s take a look at the travel benefits of this card:

    Retail Transaction Type Rewards Points Air Mile Redemption
    Dining During Birthday Month 5x RHB Reward Points 5,500 RHB Reward Points = 500 Enrich Miles
    Overseas Retail Transaction 3x RHB Reward Points
    Dining 3x RHB Reward Points
    Utilities 2x RHB Reward Points
    Insurance 2x RHB Reward Points
    Shopping 2x RHB Reward Points
    Others 1x RHB Reward Points

    The RHB Platinum Credit Card offers a range of exclusive privileges and can help you get discounted travel via rewards points earned with every transaction. Here are the benefits of this card:

    • Enjoy tee-off at major golf clubs in the country with no green fees charged.
    • Enjoy a discount of 25% and 20% on the walk-in rates of Plaza Premium Lounges in Malaysia and overseas, respectively.
    • Get complimentary travel insurance coverage of RM600,000 when you use your card to book your travel.
    • Get foreign currency exchange at preferred rates with your card.

    The RHB Platinum Credit Card can get you discounted travel with the help of RHB Reward Points earned with every retail transaction made using the card:

    Transactions Monthly Spend Reward Points Rate Reward Points Earned Air Miles Redemption
    Dining During Birthday Month RM200 5x RHB Reward Points 1,000 Total reward points earned = 5,500
    Overseas Retail Transaction RM500 3x RHB Reward Points 1,500
    Utilities RM200 2x RHB Reward Points 400 5,500 RHB Reward Points = 500 Enrich Miles
    Insurance RM100 2x RHB Reward Points 200
    Shopping RM200 2x RHB Reward Points 400 Total Enrich Miles Earned = 500
    Others RM2,000 1x RHB Reward Points 2,000

    Fees and Charges

    Factors Fee
    Annual Fee (principal card) RHB Premier Visa Infinite Credit Card: Waived for life.
    RHB World Mastercard Credit Card: Waived for life.
    RHB Platinum Credit Card: RM200.
    Annual Fee (supplementary card) RHB Premier Visa Infinite Credit Card: Waived for life.
    RHB World Mastercard Credit Card: Waived for life.
    RHB Platinum Credit Card: Waived for life.
    Retail Interest Rate 15% p.a. to 18% p.a. depending upon pattern of repayment in the 12 recent months.
    Cash Withdrawal Fee 5% of the amount advanced or at least an amount of RM15 per withdrawal, whichever is higher.
    Cash Advance Interest Rate 18% p.a. calculated on a daily basis.
    Late Payment Fee 1% of the total outstanding amount or RM10, whichever is higher. This fee can go up to RM100.
    Minimum Monthly Payment 5% of the total outstanding balance or an amount of RM50, whichever is higher.

    Eligibility Criteria

    Name of the Card Who Can Apply Age Requirement for Principal Card Age Requirement for Supplementary Card Income Requirement
    RHB Premier Visa Infinite Credit Card Malaysian citizens and expatriates working in Malaysia. 21 years to 65 years 18 years to 65 years -
    RHB World Mastercard Credit Card Malaysian citizens and expatriates working in Malaysia. 21 years to 65 years 18 years to 65 years -
    RHB Platinum Credit Card Malaysian citizens and expatriates working in Malaysia. 21 years to 65 years 18 years to 65 years RM48,000 p.a.

    Documents Required

    Applicant type Required Documents
    Applicant type Required Documents
    Salary-earning individuals
    • A copy of MyKad (front and back page).
    • A copy of latest EPF statement, or
    • Latest month’s salary slip and the salary crediting bank statement.
    Self-employed individuals
    • A copy of MyKad (front and back page).
    • Latest form B with tax payment receipt, or
    • Business Registration Certificate, or
    • Copy of form 9, 24, and 49.
    Salary-earning expatriates
    • A copy of passport.
    • A copy of work permit in Malaysia (with at least 6 months validity).
    • A copy of the employment letter.
    • A copy of the latest month’s salary slip and salary crediting bank statement.

    Applying for RHB Travel Credit Card

    Mode Process
    Online application
    • Visit RHB Bank’s official website.
    • Select your travel card.
    • Click on ‘Apply Now’.
    • Fill out the application form with all the required details.
    • Upload all the required documents.
    • Submit the form along with the attached documents for approval.
    Offline application
    • Visit the nearest branch of RHB.
    • Select your travel card and fill up the application form.
    • Submit all the supporting documents.
    • Submit the form for approval.

    A travel credit card can help you get a range of travel deals and privileges associated with your journey. RHB Bank offers three such travel credit cards that can be used locally as well as overseas for all kinds of retail transactions.

    To zero in on the ideal card for you, be sure to compare the features and benefits of each card with your lifestyle needs and spending habits. Thereafter, see which card suits your spending pattern and check the fine print for associated fees and charges.

    FAQs on RHB Travel Credit Card

    Q. Is there a joining fee associated with RHB travel cards?

    A. No, the RHB travel credit cards come with zero joining fees.

    Q. What is the validity period of rewards points earned with the RHB Premier Visa Infinite Credit Card?

    A. The rewards points earned with the RHB Premier Visa Infinite Credit Card never expire.

    Q. Can I redeem cash with the help of rewards points earned on my RHB Premier Visa Infinite Credit Card?

    A. No, you cannot exchange these reward points to get cash.

    Q. Is there a way I can offset the annual fee of the RHB Platinum Credit Card?

    A. You can enjoy an annual fee waiver on your RHB Platinum Credit Card by spending a minimum amount of RM24,000 or more in a year.

    Q. Can I use my card overseas for free?

    A. Overseas usage of your card comes with an overseas transaction fee of 1%.

    Q. What are the charges I need to bear to get a replacement credit card?

    A. A replacement card will cost you an additional charge of RM50.

    Q. Is the air mile redemption associated with my RHB Premier Visa Infinite Credit Card only applicable with Enrich Miles?

    A. No, you can get air mile redemption at more than 40 airline partners with your RHB Premier Visa Infinite Credit Card.

    Q. What is the maximum monthly cashback I can earn on transactions associated with retail purchases except dining, travel, petrol, and overseas purchases with my RHB World Mastercard Credit Card?

    A. There is no maximum limit on the cashback you can earn with your RHB World Mastercard Credit Card.

    Q. Are there any exclusions from the retail transactions that earn you a cashback with your RHB World Mastercard?

    A. You can earn cashback with all retail transactions completed using your RHB World Mastercard except for the following:

    • Charity
    • Government transactions
    • Cash advances
    • Overseas petrol transactions
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