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  • Credit Card BYTES FROM OUR KITCHEN

    RHB Credit Card

    RHB Bank offers you a host of credit cards that lets you earn rewards, air miles, cashback, and a host of other benefits on transactions. You can choose your perfect card from this list of cards available according to your spend habits and your lifestyle requirements.

    Quick Links

    Features and Benefits

    • Get a supplementary card for free with your RHB credit card.
    • Enjoy annual fee waiver with a range of RHB credit cards.
    • Consolidate your existing credit card debt into a single account with the help of RHB Smart Move Balance Transfer plan.
    • Use your card to make in-store purchases and online purchases
    • Pay your monthly bills on time with the help of auto-bill pay feature on your RHB card.
    • Opt for a credit limit increase for a financial flexibility with RHB cards.
    • Get access to up to 80% of your credit limit in the form of cash with the help of CashXcess facility.
    • Pay the bills of your purchases in the form of easy and affordable instalments over a period of 24 months with the help of RHB Smart Instalment.

    RHB Credit Cards – An Overview

    Card name Ideal for Key benefit Annual fee Annual income requirement
    RHB Premier Visa Infinite Card Traveling and shopping overseas Earn 8x Rewards Points with overseas purchases No charge NA
    RHB Visa Infinite Card Traveling overseas and making retail purchases Earn 5x Rewards Points with all overseas purchases No charge RM150,000
    RHB World Mastercard Credit Card Traveling, dining, and petrol Earn 6% cashback on petrol, dining, and travel bookings No charge NA
    RHB Signature Credit Card Online shopping and entertainment Get a cashback of 6% on online shopping, shopping, and entertainment No charge RM80,000
    RHB Platinum Credit Card Dining and shopping Earn up to 5x Rewards Points on dining and 3x Rewards Points on overseas retail purchases RM200 RM48,000
    RHB Smart Value Card Petrol purchases, dining, and online shopping Earn 5% cashback on transactions related to dining, online shopping, and petrol RM70 RM24,000
    SOGO-RHB Credit Card Making purchases at SOGO-KL Earn a cashback of 5% with spends at SOGO-KL Departmental Store & Supermarket RM88 RM24,000
    MyEG-RHB Credit Card Road tax and insurance transactions Earn 5x Rewards Points on spends via MyEG services RM88 RM24,000

    *Interest Rate : 15% p.a. to 18%p.a.

    Best RHB Credit Cards

    RHB Signature Credit Card: Best for Cashback

    • Get up to 6% cashback on transactions related to shopping, entertainment, and online purchases.
    • Get up to 2% cashback with every purchase made overseas.
    • Get an unlimited cashback of 0.2% on all other retail transactions.
    • Enjoy 5x complimentary access to Plaza Premium Lounge per calendar year.
    • Enjoy complimentary green fees at a number of major golf courses in the country.
    • Enjoy an annual fee waiver for both primary and supplementary card.
    • Get a travel insurance coverage of up to RM600,000 when you book travel using this card.
    • Get preferred rate for foreign currency exchange.

    RHB Premier Visa Infinite Card: Best for Travel

    • Earn 8x Rewards Points with every purchase made overseas.
    • Earn 3x Rewards Points with online purchases, dining, local hotels, airlines, and duty-free products.
    • Earn 1x Rewards Points with every other retail transaction.
    • Get unlimited access to Plaza Premium Lounge in Malaysia, Abu Dhabi, Taipei, Hong Kong, Singapore, and London.
    • Get complimentary green fees at participating golf clubs.
    • Redeem 1,000 Enrich Miles with 6,000 Rewards Points.
    • Choose over 40 airline partners for air mile redemption.
    • Get travel insurance coverage of up to RM2 million with this card.
    • Enjoy a range of Visa Infinite privileges with your card.
    • Get preferred rates for currency exchange with this card.

    RHB Visa Infinite Card: Best for Rewards

    • Earn 5x RHB Rewards Points with overseas purchases and 1x points with local purchases.
    • Get unlimited access to Plaza Premium Lounge with your card.
    • Enjoy complimentary green fees at a range of golf clubs in the country.
    • Redeem air miles from more than 40 airline partners with the help of RHB Rewards Points.
    • Convert 4,000 RHB Rewards Points into 500 Enrich Miles.
    • Get preferred rates for currency conversion with this card.
    • Enjoy a range of Visa Infinite privileges with this card.

    RHB Smart Value Card: Best for Petrol

    • Get up to 5% cashback on petrol with this card every month.
    • Earn a cashback of 5% on online purchases, utilities, and grocery purchases.
    • Get a complimentary travel insurance coverage worth RM100,000 with this card.
    • Make faster checkouts with the help of contactless payment technology associated with this card.

    SOGO-RHB Credit Card: Best for Grocery

    • Get a cashback of up to 5% with your purchases made at SOGO KL Departmental Store and Supermarket.
    • Earn 1 SOGO Reward Point with every RM1 spent at SOGO stores.
    • Earn 1 SOGO Reward Point with every RM1 spent at SOGO supermarket and at any other retail outlet.

    Rewards Programme

    • Smart Rewards: Redeem a wide range of gadgets and shopping vouchers with the help of Smart Rewards Programme.

    RHB Credit Card Promotions

    • Get MBO movie tickets for just RM8 with your RHB credit cards. The offer is valid with all RHB cards and is valid only till 31 January 2019.
    • Get a discount of 25% on dining and take away at Hyderabad Recipes with your RHB credit cards. This is an ongoing offer that is valid till 31 December 2018.
    • Use your RHB credit card to book hotel rooms at Oakwood Hotel and & Residence in Kuala Lumpur and get a discount of 20% on available room rates. The offer is valid till 31 December 2018.

    Payment Plans

    • RHB Smart Pay: Manage your monthly bills with the help of RHB Smart Pay. The facility helps you pay your monthly bills on time.
    • Smart Instalment: Smart Instalment facility helps you pay the bills of your purchases in the form of affordable instalments. You can perform a transaction of up to 100% of your credit limit and pay back at an interest rate of 0% p.a. over tenures of 6, 9, 12, and 24 months. The purchase bill should be RM1,000 or more to apply for this facility.
    • CashXcess: You can withdraw up to 80% of your credit limit in the form of cash with CashXcess facility. The facility comes with a repayment period of up to 24 months and an interest rate of 4.88% p.a.

    Balance Transfer Plans

    Consolidate your existing credit card debt by transferring the outstanding balances from other banks’ credit cards onto your RHB credit card with the help of balance transfer plans. Here are the details of this facility:

    Plan Name Minimum Transfer Amount Tenure of Repayment Interest Rate (one-time charge) Effective Interest Rate
    Plan A RM1,000 12 months 4% p.a. 7.30% p.a.
    Plan B RM1,000 18 months 7% p.a. 8.67% p.a.
    Plan C RM1,000 24 months 10.99% p.a. 10.22% p.a.

    Eligibility Criteria

    Age Criteria

    • Principal card: 21 years.
    • Supplementary card: 18 years.

    Income Required

    Cards Income Required
    RHB Premier Visa Infinite Card NA
    RHB Visa Infinite Card RM150,000 p.a.
    RHB World Mastercard Credit Card NA
    RHB Signature Credit Card RM80,000 p.a.
    RHB Platinum Credit Card RM48,000 p.a.
    RHB Smart Value Card RM24,000 p.a.
    SOGO-RHB Credit Card RM24,000 p.a.
    MyEG-RHB Credit Card RM24,000 p.a.

    Documents Required

    Type of Applicant Documents Required
    Salaried Employee
    • One copy of MyKad.
    • Latest EPF statement or last one month’s salary slip.
    Self-Employed individual
    • One copy of MyKad.
    • Copy of Form 9, 24, and 49, or
    • Business registration certificate, or
    • Latest for B with the tax payment receipt.
    Salaried Expatriate
    • A copy of passport.
    • Copy of work permit in Malaysia that is valid for at least 6 months.
    • Latest month’s salary slip.
    • Copy of employment letter.

    Fees and Charges

    Types of Fees Chareges
    Annual Fee (Primary cards) RHB Premier Visa Infinite Card: No charge
    RHB Visa Infinite Card: No charge
    RHB World Mastercard Credit Card: No charge
    RHB Signature Credit Card: No charge
    RHB Platinum Credit Card: RM200
    RHB Smart Value Card: RM70
    SOGO-RHB Credit Card: RM88
    MyEG-RHB Credit Card: RM88
    Annual Fee (Supplementary cards) RHB Premier Visa Infinite Card: No charge
    RHB Visa Infinite Card: No charge
    RHB World Mastercard Credit Card: No charge
    RHB Signature Credit Card: No charge
    RHB Platinum Credit Card: No charge
    RHB Smart Value Card: No charge
    SOGO-RHB Credit Card: No charge
    MyEG-RHB Credit Card: No charge
    Retail interest rate 15-18% p.a. depending upon the repayment behaviour in past 12 months.
    Cash advance interest rate 18% p.a.
    Cash advance fee 5% of the cash withdrawn or an amount of RM15 per cash advance.
    Minimum monthly payment 5% of the total outstanding balance or a minimum amount of RM50, whichever is higher.
    Late payment fee An amount of RM10 or 1% of the total outstanding balance, whichever is higher (a maximum of RM100).
    Overseas transaction fee To be calculated by Mastercard or Visa International in addition to a service fee of 1% charged by RHB.

    Activating or Cancelling your Card

    You can activate your newly issued credit card by any of the following mediums:

    • At any RHB ATM
    • Via RHB internet banking, or
    • RHB phone banking via 03-9206 8118

    You can cancel your card by contacting RHB via its customer service numbers and requesting for the same.

    Credit Card Statements

    You can keep a track of the expenses on your RHB card via monthly physical statements as well as with the help of e-statements.

    Security Features

    Your RHB card comes with the following security features:

    • EMV chip: The embedded EMV chip in your card prevents any fraudulent activity on your card.
    • PIN: For every retail transaction, you need to enter a 6-digit PIN. This can prevent any fraudulent activity in cases of lost or stolen cards.

    Lost Card Liability

    If your RHB credit card gets stolen or lost, you should inform the bank immediately to prevent any misuse of your card. The bank will block your card and issue a new one for you. Upon informing the bank, you will not be liable to any transaction made using your lost card.

    How to Increase/Decrease the Credit Limit

    p>You can choose to increase the credit limit assigned to your RHB card permanently as well as on temporary basis. To modify your credit limit, you can contact the bank via its customer care numbers and request for the same.

    RHB offers you a range of different types of credit cards that you can choose from. This includes cashback cards, rewards cards, petrol cards, travel cards, and many more. When you compare these cards available, take in account the benefits associated with these cards and the fees and charges you need to bear with them.

    Frequently Asked Question’s

    Q. What is validity of the Rewards Points I earn with transactions made using RHB cards?

    A. These Rewards Points come with no expiry. You can accumulate these points and get air miles from partnering airlines, products, and vouchers from the rewards redemption catalogue.

    Q. Can I earn cashback and rewards points on every retail transactions?

    A. There are some exclusions from the retail category that are given below. The following transactions do not earn you rewards or cashback:

    • Charity
    • Cash advances
    • Payment of fees and charges
    • Government services

    Q. What is the credit limit I can get with RHB cards?

    A. The credit limit can vary from card to card. You can get a limit of RM4,000 to RM500,000 with RHb cards.

    Q. Is there a processing fee associated with CashXcess facility?

    A. No, the facility doesn’t charge you with any processing fee.

    Q. What is the maximum limit of cashback I can earn with RHB cashback cards?

    A. The cashback monthly cap can vary from card to card. For example, RHB Smart Value Card can earn you a maximum of RM30 per month per category.

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