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    RHB Credit Card

    RHB Banking Group is the fourth largest fully integrated financial services group in Malaysia. The core businesses are retail banking, Shariah business, international business and insurance. RHB Bank offers deposits, loans, cards, Shariah products, wealth management, unit trust, insurance, and investment. RHB offers conventional and Islamic Credit Cards. The credit cards offered by RHB come with a wide range of benefits. They are designed to meet various needs of the customers.

    Why Choose RHB Credit Card

    RHB offers both conventional and Islamic Credit Cards. They offer various benefits and discounts. You can use the card to get access to airport lounges. You can transfer the balance from another credit card to RHB Credit Cards for a lower rate. The interest rates offered are lower. You can earn rewards and cashback when you use the card. The card can be used to pay for your dining, travel, and fuel. You can also get cashback when you use the card for paying online purchases, shopping, and entertainment.

    Features and benefits of RHB Credit Cards

    The following are the various features and benefits of RHB Credit Cards:

    • You get up to 20 days management fee-free period.
    • The minimum credit limit available is RM4,000 and the maximum credit limit available is RM500,000.
    • The annual fees are waived for life. Only some cards charge an annual fee for the principal card.
    • You get lounge, golf, and travel privileges.
    • You can earn rewards when you spend on the airline, retail, and duty-free purchases.
    • The reward points do not expire.
    • RHB offers various lifestyle and travel credit cards.
    • Entrepreneurs can make the most of the business credit cards offered by RHB. The banking expenses are streamlined and simplified.
    • You can also get credit cards that offer higher rewards on your grocery shopping, utility bills, petrol, and online shopping.
    • You can get credit cards that are co-branded. These cards offer more rewards when you spend at the brand store.
    • You get Smart Installment, Smart Pay, and Dial-an-Installment services.

    Types of Credit Cards offered by RHB

    The following are the various types of credit cards offered by RHB:

    1. RHB Premier Visa Infinite Credit Card:
      • With this credit card, you can explore the world. You can earn 8x Reward Points when you use the card overseas for retail. You get various golfing privileges. There is no annual fee charged. You get to enjoy the luxuries of travel that is reserved for the elite.
      • You earn 3x Reward Points when you use the card for online spend, dining, duty-free, airlines, and hotel. You earn 1x Reward Point for all other retail spends.
      • You get unlimited access to Plaza Premium Lounge. You get 25% discount for all accompanying guest and 20% discount at Plaza Premium Lounge around the world. You get a complimentary tee off at various golf courses. The Air Miles can be redeemed for airline vouchers. You can redeem 6,000 Reward Points for 1,000 Enrich Miles.
      • You get travel insurance coverage of up to RM2 million. The RHB Premier Travel Concierge will be at your service 24x7.
    2. RHB Visa Infinite Credit Card:
      • You can earn 5x Reward Points when you use the card overseas. You get complimentary golfing green fees. This card offers infinite luxuries. You can travel in comfort as you get free access to premium lounges.
      • You get unlimited complimentary access to the Malaysia and Singapore Changi Airport Lounge. Your accompanying guest will get 25% discount for Plaza Premium Lounge. You get to enjoy complimentary tee off time at various golf clubs in Malaysia.
      • You can earn 1x Reward Point for all your local purchases. The Reward Points exclude government transaction, petrol transactions, charity, and cash advance.
      • With this card, you can redeem RHB Reward Points for Enrich Miles. You get travel insurance coverage of up to RM2 million. There is no annual fee charged. You get a dedicated travel desk. You can redeem 4,000 Reward Points for 500 Enrich Miles. You also get preferred rates for major foreign currencies. You get to enjoy various Visa Infinite privileges and Visa International Concierge Service. The minimum income required to get this card is RM150,000 p.a.
    3. RHB World MasterCard Credit Card:
      • You get 5% cashback when you travel, dine, or fill fuel. You can get various flying, dining, and golfing privileges.
      • If you spend between RM1,000 and RM2,499, you get 1% cashback on travel, 1% on petrol, 1% on dining, and 0.2% on others. You get 0.5% for overseas spend.
      • If you spend between RM2,500 and RM3,499, you get 2% cashback on travel, 2% on petrol, 2% on dining, and 0.2% on others. You get 1% for overseas spend.
      • If you spend RM3,500 and above, you get 6% cashback on travel, 6% on petrol, 6% on dining, and 0.2% on others. You get 2% for overseas spend.
      • There is a cap set on the maximum cashback you can earn for travel, petrol, and dining. You cannot get cashback on charity, cash advance, petrol transactions, and government transactions.
      • You get complimentary access to Plaza Premium Lounges 5 times a year in Malaysia. You also get to enjoy complimentary green fee at various golf clubs in Malaysia. You get travel insurance coverage of up to RM600,000. You get to enjoy the RHB World Priority Line MasterCard Privileges. The minimum income required to get this card is RM80,000 p.a.
    4. RHB Signature Credit Card:
      • With this card, you get 6% cashback for online purchases, entertainment, and shopping. You can also get cashback when you spend locally and overseas. The 6% cashback can be earned in a month.
      • If you spend between RM1,000 and RM2,499, you get 1% cashback on online spend, 1% on entertainment, 1% on shopping, and 0.2% on others. You get 0.5% for overseas spend.
      • If you spend between RM2,500 and RM3,499, you get 2% cashback on online spend, 2% on entertainment, 2% on shopping, and 0.2% on others. You get 1% for overseas spend.
      • If you spend RM3,500 and above, you get 6% cashback on online spend, 6% on entertainment, 6% on shopping, and 0.2% on others. You get 2% for overseas spend.
      • The bank has set a cap on the maximum cashback you can earn for online spend, entertainment, and shopping. You cannot get cashback on charity, cash advance, petrol transactions, and government transactions.
      • You get complimentary access to Plaza Premium Lounges in Malaysia up to 5 times. You also get to enjoy complimentary green fee at various golf clubs in Malaysia. You get to enjoy the RHB Signature Priority Line and Visa Signature Privileges. The minimum income required to get this card is RM80,000 p.a. You get travel insurance coverage of up to RM600,000.
    5. RHB Platinum Credit Card:
      • You get various lounge and golf privileges with this card. You can earn up to 5x Reward Points. You get 5x Reward Points on dining transactions during your birthday month. You will get 3x Reward Points on dining and overseas retail spend, 2x Reward Points on utilities, shopping, and insurance, and 1x on all other spends.
      • The Reward Points will not be applicable on petrol transaction, government transactions, cash advance, and charity. You get a daily tee off at participating golf clubs in Malaysia.
      • You will get 25% off on walk-in rates at Plaza Premium Lounges in Malaysia and 20% off on walk-in rates at Plaza Premium Lounges around the world.
      • The annual fee is waived if you spend a minimum of RM24,000 on this card in a year. You get travel insurance coverage of up to RM600,000. You can redeem 5,500 RHB Reward Points for 500 Enrich Miles. You get preferred exchange rates for major foreign currencies. You will have to have an annual income of RM48,000 at least to get this card.
    6. RHB Platinum Business Credit Card:
      • This card helps you keep the business expenses in one account. You can earn cashback and enjoy other privileges as well.
      • You get 1% unlimited cashback on your retail purchases except for government transaction, charitable donations, and petrol purchases. The business expenses are streamlined, simplified and helps in record-keeping.
      • You get daily a tee off at participating golf clubs in Malaysia. You will get 25% off on walk-in rates at Plaza Premium Lounges in Malaysia and 20% off on walk-in rates at Plaza Premium Lounges around the world.
      • This card offers Smart Installment, Smart Pay, and Dial-an-Installment services. You get travel insurance coverage of up to RM600,000. Consolidated statements are sent to card members. The company name will be printed on the card if required. You can get a cash advance of up to 50% of the credit limit.
    7. RHB Smart Value Card:
      • You get up to 5% cashback on petrol, utilities, groceries, and online shopping.
      • If you spend between RM500 and RM1,500, you get 1% cashback on petrol, 1% on grocery, 1% on online, 1% on utilities, and 0.2% on others.
      • If you spend between RM1,501 and RM2,500, you get 2% cashback on petrol, 2% on grocery, 2% on online, 2% on utilities, and 0.2% on others.
      • If you spend RM2,501 and above, you get 5% cashback on petrol, 5% on grocery, 5% on online, 5% on utilities, and 0.2% on others.
      • There is a maximum cap set on petrol, groceries, online, and utilities. You get travel insurance coverage of up to RM100,000 with this card. This card comes with Contactless Payment Technology and you can pay for the purchases by waving your card over the contactless terminal. You must look out for the contactless logo to see if the contactless payment can be made. The minimum annual income required to get this card is RM24,000.
    8. SOGO- RHB Credit Card:
      • With this card, you get 5% cashback when you shop online. You can also collect more S-Points when you purchase an item at KL-SOGO. For purchases below RM500 at KL-SOGO & Supermarket, you get 1% cashback. When you spend RM501- RM1,000 at KL-SOGO & Supermarket, you get 3% cashback. You get 5% cashback when you spend above RM1,000 at KL-SOGO & Supermarket.
      • You earn 1 S-Point for every RM1 spent at SOGO Store and 1 S-Point when you spend RM2 at SOGO Supermarket, and other places.
      • You get promotional offers at an orchestra, theatre, and concert tickets. You can redeem the rewards for shopping vouchers. You can auto pay your utility bills. You can transfer the balance from another credit card. You get 0% installment for up to 36 months. You can also withdraw cash from the ATMs through your credit card. The minimum annual income required to get this card is RM24,000.
    9. MyEG - RHB Credit Card:
      • You can earn points and earn rewards when you renew road tax, insurance, or use it on other services available at MyEG. You earn 5x Reward Points for every RM1 spend using MyEG Services. You will get 1x Reward Points for every RM1 spent elsewhere.
      • You can auto pay your utility bills. You can transfer the balance from another credit card. You can also withdraw cash from the ATMs through your credit card. You get promotional offers at an orchestra, theatre, and concert tickets. You can redeem the rewards for shopping vouchers. You get 0% installment for up to 36 months. The minimum annual income required to get this card is RM24,000.
    10. RHB Islamic World MasterCard Credit Card-i:
      • This card is ideal for those who love to travel. You get rewarded when you fill petrol or dine.
      • If you spend between RM1,000 and RM2,499, you get 1% cashback on travel, 1% on petrol, 1% on dining, and 0.2% on others. You get 0.5% for overseas spend.
      • If you spend between RM2,500 and RM3,499, you get 2% cashback on travel, 2% on petrol, 2% on dining, and 0.2% on others. You get 1% for overseas spend.
      • If you spend RM3,500 and above, you get 6% cashback on travel, 6% on petrol, 6% on dining, and 0.2% on others. You get 2% for overseas spend.
      • There is a cap set on the cashback you can earn. The cashback excludes petrol transaction, charity, cash advance, and government transactions.
      • You get 5x complimentary access to Plaza Premium Lounges in Malaysia. You also get complimentary green fees at participating golf clubs in Malaysia. You get travel takaful of up to RM200,000. You get to enjoy the RHB World Priority Line MasterCard Privileges. You get preferred rates for major foreign currencies.
    11. RHB Islamic Platinum Credit Card-i:
      • You can earn up to 5x Reward Points with this card on dining transactions during your birthday month. You get 3x Reward Points for everyday transactions. You get 3x Reward Points for overseas retail purchases. For utilities, shopping, and insurance, you get 2x Reward Points. For all other retail expenses, you get 1x Reward Point. You get travel takaful of up to RM600,000. You can redeem 5,500 RHB Reward Points for 500 Enrich Miles. You get preferred rates for major foreign currencies.
      • The cashback excluded petrol transaction, charity, cash advance, and government transactions.
    12. RHB Islamic Smart Value Credit Card-i:
      • You get up to 5% cashback on petrol, groceries, utility bills, and online shopping. You get travel takaful of up to RM100,000 with this card. If there is a contactless logo at a retail terminal, you can use the card to make a contactless payment.
      • If you spend between RM500 and RM1,500, you get 1% cashback on petrol, 1% on grocery, 1% on online, 1% on utilities, and 0.2% on others.
      • If you spend between RM1,501 and RM2,500, you get 2% cashback on petrol, 2% on grocery, 2% on online, 2% on utilities, and 0.2% on others.
      • If you spend RM2,501 and above, you get 5% cashback on petrol, 5% on grocery, 5% on online, 5% on utilities, and 0.2% on others.
      • There is a maximum cap set on petrol, groceries, online, and utilities.

    Eligibility Criteria to avail RHB Credit Card

    If you wish to get an RHB Credit Card, you must meet the following eligibility requirements:

    • Between the ages of 21 – 55 years.
    • Your monthly income must be at least RM24,000.
    • Malaysian.
    • Foreigner with valid Passport and work permit.

    Documents Requirements to apply for RHB Credit Cards

    You are required to submit the following documents along with the duly filled application form:

    • Salaried applicant:
      • A copy of 1-month salary slip.
      • A copy of latest EPF statement.
      • A copy of MyKad.
    • Self-employed applicant:
      • A copy of MyKad.
      • A copy of Form 9, 24, 49.
      • A copy of Business Registration Certificate.
      • A copy of latest Form B along with tax receipt.
    • Salaried expatriate:
      • A copy of the letter of employment.
      • A copy of latest 1-month salary slip,
      • A copy of Passport.
      • A copy of work permit in Malaysia.
    • Business:
      • Photocopy of NRIC, Visa, and Passport.
      • Business Registration Form.
      • Latest 6 months’ bank statement of the company.
      • Latest 1-year financial statement.
      • Board of Directors Resolution for Private Limited Company or Limited Company.
      • Letter of Authorisation for Partnership companies.
      • Third Party mandate.

    RHB Credit card Promotion

    You will get to enjoy the following promotions with RHB Credit Cards:

    • You get 12% off at GEMFIVE. This is an ongoing offer that is valid until 31 December 2017.
    • You get 15% off at Pusat Pakaian Hari-Hari. This is an ongoing offer that is valid until 31 December 2017.
    • You will get up to 10% off on hotels in any destination. This is an ongoing offer that is valid until 31 December 2017. The stay period is valid until 31 March 2018.
    • You get 10% off on hotel bookings on AirAsiaGo. This is an ongoing offer that is valid until 31 December 2017. The stay period is valid until 31 March 2018.
    • You get 10% off on hotel bookings on Expedia. This is an ongoing offer that is valid until 31 December 2017. The stay period is valid until 31 March 2018.

    RHB Balance Transfer

    You can transfer the outstanding credit card balance from another credit card to your RHB Credit Card with RHB Smart Move Balance Transfer. After you transfer the amount, you can repay it in installments. You can transfer a balance for up to 24 months. The minimum amount that can be transferred is RM1,000.

    You can choose from 3 Plans:

    Plan A – One-time 4% interest is charged. The effective interest rate is 7.30% p.a. for a period of 12 months.

    Plan B – One-time 7% interest is charged. The effective interest rate is 8.67% p.a. for a period of 18 months.

    Plan C – One-time 10.99% interest is charged. The effective interest rate is 10.22% p.a. for a period of 24 months.

    You can call the customer care at 03-9206-8118 to request for the balance transfer. You will have to complete the Smart Move Balance Transfer application form and either email it to [email protected], fax it to 03-2782-8888, or drop it off at the nearest RHB branch. You are required to submit old IC number and the copy of other bank’s latest credit card statement.

    Fees and Charges

    The following are the fees and charges applicable to the credit cards:

    Principal Card

    RHB Premier Visa Infinite Credit Card - Waived

    RHB Visa Infinite Credit Card – Waived

    RHB World MasterCard Credit Card – Waived

    RHB Signature Credit Card – Waived

    RHB Platinum Credit Card – RM212

    RHB Platinum Business Credit Card – Waived

    RHB Smart Value Card – RM74.20

    SOGO- RHB Credit Card – RM93.28

    Supplementary Card

    RHB Premier Visa Infinite Credit Card – Waived

    RHB Visa Infinite Credit Card – Waived

    RHB World MasterCard Credit Card – Waived

    RHB Signature Credit Card – Waived

    RHB Platinum Credit Card – Waived

    RHB Platinum Business Credit Card – Waived

    RHB Smart Value Card – Waived

    SOGO- RHB Credit Card – Waived

    Cash advance fee RM15 or 5% of the advance amount, whichever is higher.
    Card replacement fee RM50 per card.
    Overlimit fee RM50 per occurrence.
    Sales draft retrieval copy RM21.20 per copy.
    Late payment charge 1% of the outstanding amount or minimum RM10.
    Additional statement request RM5.30 per copy.
    Minimum monthly payment RM50 or 5% of the outstanding balance, whichever is higher.
    Finance charges 15% p.a. – 18% p.a.
    Overseas transaction 1% of the transaction made in foreign currency.

    How to apply for an RHB Credit Card?

    RHB issues a credit card to you in 10 minutes. You can apply for the Instant RHB Credit Card with your MyKad and 6 months’ EPF statement. This service is not applicable to RHB Platinum Business Credit Card, MyEG-RHB Credit Card, and Sogo-RHB Card.

    The other ways you can apply for a credit card is:

    • Call: You can call the RHB Premier Care Line at 03-9206-1188.
    • Bank branch: You can go to the nearest RHB branch and submit your application along with the documents required.

    How to increase RHB Credit Card limit?

    You can choose to permanently or temporarily increase the credit limit on your RHB Credit Card. You get great financial flexibility at the time of your need. When you increase your credit limit, it improves your lifestyle. You can reach the RHB Bank at 03-9206-8118 for more information regarding the credit limit increase. You can download the application form for Increasing Credit Limit from the RHB website.

    You will have to submit the following documents along with the application form:

    • Salaries individual – 1-month salary slip and bank statement.
    • Self-employed – 6 months’ bank statement.
    • Commission earner – 6 months’ salary slip and bank statement.

    RHB Credit Card Customer Care / Hotline Number

    You can reach RHB Bank at 03-9206-8118. You can also send a fax to 03-9206-8088. You can send an email to [email protected]

    RHB Credit Card FAQs

    Q. Are Islamic Credit Cards offered by RHB?

    A. Yes, RHB offers Islamic Credit Cards that come with various benefits and privileges.

    Q. Will I be charged annual fees for my Principal or Supplementary Credit Card?

    A. No, you will not be charged any annual fee except for principal cards of RHB Platinum Credit Card, RHB Smart Value Card, SOGO- RHB Credit Card, and MyEG - RHB Credit Card.

    Q. Do I get travel insurance coverage if I pay the travel fare with my RHB Credit Card?

    A. Yes, you get travel insurance coverage of up to RM2 million depending on the type of credit card you have.

    Q. Do I get special benefits with the co-branded cards?

    A. Yes, you can earn more rewards when you spend at the brand store.

    Q. Are there any specific credit cards offered for businesses?

    A. Yes, RHB offers Platinum Business Credit Card which helps you streamline the business expenses.

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