Best RHB Credit Cards in Malaysia

RHB bank is one of the most reputable banks in Malaysia. They offer a wide range of credit cards for consumers. Getting the right RHB credit card for your lifestyle allows you to accumulate points for rewards or even getting cashback as you spend.

Each card is designed for specific needs and it can be overwhelming to choose from so many credit cards. Let’s explore what kind of RHB credit cards are there to elevate your financial journey.

1. RHB Shell Visa Credit Card – Best For Those Who Fill Petrol at Shell Petrol Stations

Features & Benefits

• Earn up to 12% cashback by putting petrol at any Shell petrol stations nationwide. Maximum up to RM50 every month.
• Earn up to 5% on grocery, online spending, top up e-wallet and utility bills.
• 0.2% cashback for other spending

Eligibility

• Applicants are required to have a minimum of RM24,000 for their annual income.
• Applicants must be at least 21 years old and 18 years old is required for supplementary cardholders.

Fees & Charges

• The annual fee for primary card RM195. Free for the first year. Waive for subsequent years subjected to minimum 24 swipe per year.
• An RM25 of sales and services tax will be charged upon activation and anniversary dates.
• Cardholders are required to pay RM50 or 5% of the outstanding amount for minimum payment. The amount paid is based on whichever is higher.
• For any late payment, cardholders are required to pay RM10 or 1% of the outstanding payment. Maximum up to RM100.
• For cash withdrawal, there will be a charge of a RM15 or 5% of the outstanding amount, whichever is higher.
• The Interest rate will be 15 to 18% yearly.

2. RHB Rewards Credit Card – Best For Those Who Love Watching Movies

Features & Benefits

• Earn up to 10X reward points for buying movie tickets.
• Earn up to 4X reward points for spending overseas.
• Earn up to 3X reward points for spending online.
• Earn up to 2X reward points for retail shopping, health and insurance spending.
• Earn up to 1X reward points for other retail shopping
• Complimentary green fees for participating golf clubs.

Eligibility

• Applicants are required to have a minimum of RM24,000 for their annual income.
• Applicants must be at least 21 years old and 18 years old is required for supplementary cardholders.

Fees & Charges

• The annual fee for a primary card is RM200. Annual fees will be waived, subject to spending RM10,000 per year.
• An RM25 of sales and services tax will be charged upon activation and anniversary dates.
• Cardholders are required to pay RM50 or 5% of the outstanding amount for minimum payment. The amount paid is based on whichever is higher.
• For any late payment, cardholders are required to pay RM10 or 1% of the outstanding payment. Maximum up to RM100.
• For cash withdrawal, there will be a charge of a RM15 or 5% of the outstanding amount, whichever is higher.
• The Interest rate will be 15 to 18% yearly.

3. RHB World Mastercard – Best For Travelling

Features & Benefits

• Enjoy up to 6% cashback for spending on travel, petrol & dining.
• 6X complimentary access at selected Plaza Premium Lounge entries in Malaysia every year. 25% discount for accompanying guests at Plaza Premium Lounge in Malaysia. 20% discount at Plaza Premium Lounge worldwide.
• Enjoy travel insurance coverage up to RM600,000.
• Enjoy complimentary green fees at selected golf clubs in Selangor, Malaysia.

Eligibility

• Annual income: RM24,000
• Principal cardholder: 21 years old.
• Supplementary cardholder: 18 years old.

Fees & Charges

• The annual fee is RM300 for the primary card. The annual fee for a supplementary card will be RM150.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM15 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

4. RHB Visa Infinite Credit Card – Best For Traveling

Features & Benefits

• Enjoy up to 5X reward points for overseas spending for every RM1 spent.
• Enjoy up to 1X reward points for local spending for every RM1 spent.
• Enjoy unlimited access to selected Plaza Premium Lounge in Malaysia and overseas with a minimum retail spending amount of RM100,000 OR up to 12X complimentary access with a minimum of RM1,000.
• Enjoy travel insurance coverage up to RM2,000,000.
• Enjoy complimentary tee-off at selected golf clubs.

Eligibility

• Annual income: RM150,000
• Principal cardholder: 21 years old.
• Supplementary cardholder: 18 years old.

Fees & Charges

• No annual fee
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM15 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

5. RHB Visa MyEG Credit Card – Best For Using MyEG Service

Features & Benefits

• Enjoy up to 5X reward points on MyEG transactions or services for every RM1 spent.
• Enjoy up to 1X reward points for other transactions for every RM1 spent.

Eligibility

• Annual income: RM24,000
• Principal cardholder: 21 years old.
• Supplementary cardholder: 18 years old.

Fees & Charges

• The annual fee is RM88 per annum.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A late payment fee of RM10 or 1% of the outstanding amount, up to a maximum of RM100, is charged.
• The cash withdrawal charge is RM15 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

Best RHB Islamic Credit Cards in Malaysia

The RHB Islamic Credit Cards in Malaysia are made to accommodate the needs of people who want to spend money following their Islamic principles. These cards follow the guidelines of Islamic law since they are Shariah-compliant. The RHB Islamic credit cards provide a range of advantages and features, from cashback and rewards to travel extras and dining privileges, to meet the diverse needs of the customers. The best RHB Islamic Credit Cards are listed below:

1. RHB Islamic Cash Back Credit Card

Cashback is available on a variety of purchases made with the RHB Islamic Cash Back Credit Card, including fuel, groceries and internet purchases. For those who spend a lot in these categories and want to receive cashback, this card is ideal. This card also includes additional perks, including free travel insurance and a first-year annual cost of nothing.

2. RHB Islamic World Mastercard Credit Card-i

The RHB Islamic World Mastercard Credit Card-i is designed for people who value exclusivity and luxury. With the perks offered by this card, which includes admission to top golf courses, you may take advantage of your preferred activity. Additionally, the card comes with free travel insurance, giving you peace of mind while travelling. Additionally, earning reward points for your purchases will increase the value of your regular purchases. This card is a convincing choice for individuals looking to add a little luxury to their lives thanks to its special perks and bonuses.

3. RHB Islamic Rewards Credit Card-i

A competitive rewards programme for cardholders is a key component of the RHB Islamic Rewards Credit Card-i’s design. With this card, you can accrue rewards for your purchases, increasing the worth of your money. With this card, you may reward yourself for spending money on whatever you like, whether it’s shopping, eating out, or internet purchases. The RHB Islamic Rewards Credit Card-i is a good choice if you’re looking for a credit card that maximises your benefits through a rigorous rewards programme.

4. RHB Islamic Premier Visa Infinite Credit Card

The RHB Islamic Premier Visa Infinite Credit Card is a great option for people who want premium features. This card provides numerous travel-related advantages, including free airport lounge access, travel insurance, and air mile conversion. Cardholders also receive cashback on international purchases and a variety of additional lifestyle advantages.

5. RHB Islamic Infinite Credit Card-i

The RHB Islamic Infinite Credit Card-i offers a number of features that suit those who prefer an opulent way of life. This card gives you access to prestigious golf courses so you may indulge your passion while taking advantage of exclusive benefits. The attractive reward point programme that is included makes your purchases even more rewarding. The card also provides extensive travel insurance protection, protecting your travelling safety. This card is the best option for individuals who want exclusivity and rewards, thanks to its luxury-focused features.

RHB Credit Card Promotion and Bonuses

Cashback, rewards, travel perks, and special discounts are among the RHB credit card promotions and bonuses. Here are some of the most significant RHB credit card promotions and bonuses:

1. Cashback, Rewards, and Travel Perks

RHB credit cards include cashback, incentives, and travel benefits. Purchases of online shopping, dining, and entertainment get cashback. With certain cards, you can also get free travel insurance.

2. Ongoing Promotions & Seasonal Offers

RHB credit cards often have ongoing promotions. They offer several hotel discounts for travelers, such as 7% off bookings through Agoda or Hotels.com..

Grab an additional 12% off + 5% cashback at ZALORA with a minimum spend of RM449 with RHB Visa card. Get a 50% off from Acer online store if it is time to change your computer.

3. Reward Points Conversion

RHB credit card customers can exchange RHB Reward Points for Enrich Points. 5,500 points, for example, can be converted to 500 Enrich for the Platinum card, 4,000 to 500 Enrich for the Visa Infinite, and 3,000 to 500 Enrich for the Premier Visa Infinite.

4. Exclusive Travel Promotions

For MATTA Fair, MATTA collaborated with RHB Banking Group, delivering RHB card promos and travel packages to help the tourism industry recover. Cardmembers can save up to 60% on flights and hotels. The RHB Multi-Currency Visa Debit Card accepts different currencies, while the RHB Credit Card provides lounge access, loyalty points, and payment plans.

Benefits of Using RHB Credit Cards

RHB credit cards provide a number of advantages to their holders. Among the notable features are cashback, reward points, business spending advantages, travel insurance coverage, and balance transfer alternatives.

Monthly Cashback with RHB Credit Card

This is a continuous advantage, not a one-time RHB credit card promotion. The RHB Shell Visa credit card, for example, offers up to 12% cashback on gas purchases. This is especially beneficial for people who drive frequently and may thus maximise the value of their RHB shell credit card.

Furthermore, the RHB Cash Back Visa provides accessible cashback for a variety of transactions, which means that cardholders can earn cashback not only on exceptional transactions but also on ordinary purchases. This includes internet buying, which is especially useful considering the growing tendency of online transactions.

Accumulate Rewards with RHB Credit Card

The RHB credit card also includes a points system that allows cardholders to accrue points based on their expenditure. These points can then be used for a range of benefits, making every RHB credit card purchase more rewarding. The RHB Rewards Card-i, for example, allows cardholders to earn 10x points on cinema and shopping transactions. This means that cardholders will receive ten reward points for every ringgit spent in these categories.

Furthermore, RHB allows you to convert RHB Reward Points into Enrich Points, which can be redeemed for Malaysia Airlines purchases. The conversion rate varies depending on the type of card. For Platinum Cardholders, 5,500 RHB Reward Points can be exchanged for 500 Enrich Points. This conversion option increases the flexibility and usability of RHB Rewards Points by allowing cardholders to utilise their points in the most advantageous way for them.

Boost Your Business Expenditure with RHB Credit Card

For business owners and entrepreneurs, using an RHB credit card for business expenses is a wise choice. RHB’s credit cards come with a variety of features that are especially beneficial for business spending. The RHB World MasterCard, for example, gives up to 6% cashback, which can result in significant savings for firms with large monthly expenses.

Furthermore, the RHB credit card rewards points system is applicable to business expenditures. This implies that for every ringgit spent on business-related transactions, reward points are earned, which may subsequently be redeemed for a range of benefits or converted into Enrich Points. This feature adds value to any business transaction done with a RHB credit card.

Furthermore, RHB credit cards feature exclusive merchant discounts and ongoing initiatives that add value. These promotions and discounts can result in substantial cost savings for businesses, making the RHB credit card an even more appealing alternative for business spending.

Travel with Peace of Mind with RHB Credit Card Insurance

This function protects cardholders while they are on the road. For example, the RHB credit card includes flight travel insurance. This means that if you use your RHB credit card to purchase your flight, you will immediately receive travel insurance coverage. This insurance protects you against a variety of unforeseen situations that may occur during your vacation, such as flight cancellations, lost luggage, or medical crises.

Depending on the type of RHB credit card you have, the level of travel insurance coverage may differ. Premium cards, such as the RHB Visa Infinite and RHB Premier Visa Infinite, feature complete travel insurance coverage, including increased compensation for flight cancellations, lost baggage, and medical situations. Furthermore, credit cards may provide additional travel-related benefits, such as access to airport lounges and golf privileges.

Streamline Your Debts with RHB Smart Move Balance Transfer

With the high-interest rates levied by most credit cards, managing several credit card bills can be difficult and costly. RHB credit cards offer the RHB Smart Move Balance Transfer programme, which allows cardholders to combine outstanding credit card balances from other banks onto their RHB credit card at a lower interest rate.

For the transferred balance, the RHB Smart Move Balance Transfer programme offers a promotional interest rate as low as 4.88% p.a. This special rate is much lower than the average credit card interest rate, which runs between 15% and 18% per annum. This lower interest rate saves cardholders money on interest costs and allows them to manage their obligations more effectively.

To take advantage of the RHB Smart Move Balance Transfer programme, cardholders must apply for the balance transfer by completing an application form and sending it to RHB Bank. The application can be completed online, and the minimum and maximum transfer amounts may vary depending on the cardholder’s credit limit and the program’s terms and conditions.

How to Apply for an RHB Credit Card?

Choosing the right RHB credit card for your needs is a crucial decision, but once you’ve made that decision, the application procedure is simple. We will walk you through the RHB credit card application procedure.

Eligibility Criteria: What You Need to Know Before Applying 

Step-by-Step Guide to the Application Process

Prepare the general documents wanted for an RHB credit card application, such as the ones listed below, to speed up your RHB credit card application.

After Your Application: Approval Process and Receiving Your Card

After you have completed and submitted your application for a RHB credit card, you will go through a series of processes before receiving your card. Here’s a rundown of the procedure:

Application Review

RHB will review the information you supplied when you submit your RHB credit card application. This includes reviewing your credit score, income, and other financial information. This is an important step since the bank needs to examine your creditworthiness and determine whether you qualify for the card you requested.

Approval or Rejection

The bank will make a decision after considering your application. Your application will be approved if you meet all of the conditions. Otherwise, your application will be denied. The approval procedure takes a few business days on average, although it can vary based on the bank and the type of card you apply for.

Notification

The bank will notify you once a decision has been made. This could be done via email, SMS, or a letter mailed to your home address. If your application is granted, you will receive a notification with information about your credit limit and any other crucial information about your new card.

Card Production

Your new RHB credit card will be issued once your application is approved. This includes printing your name and account information on the card as well as embedding the chip and magnetic stripe.

Delivery

When your card is finished, it will be mailed to you. The shipping time varies, but it is normally a few business days. If you have just moved, make sure to update your mailing address to avoid any delays.

Activation

You must activate your card after getting it before you can use it. Depending on the card, the activation process may differ, but it normally requires dialling a designated activation hotline or activating it using RHB’s online banking platform.

Setting up your PIN

You must create a Personal Identification Number (PIN) for your card for security reasons. Typically, this is done during the activation procedure.

Conclusion: Making the Right Choice for Your Needs

It is critical to choose a credit card that fits your lifestyle and financial demands. The RHB credit card has several alternatives, including the RHB Shell credit card, which is great for those who spend a lot of money on petrol. Furthermore, RHB credit card promotions provide a variety of perks, ranging from cashback to rewards points, making your shopping more beneficial. Before making a selection, it’s critical to grasp all of the features, benefits, and expenses involved. Consider the many possibilities, your spending habits, and the rewards that will be most useful to you.

The application process for a RHB credit card is simple, and the RHB credit card application can be performed online. However, before applying, be sure you meet all of the eligibility requirements. Finally, choosing the correct card is selecting one that matches your spending habits, offers the best benefits, and has fair fees and interest rates. Remember that a credit card is a financial tool that, when used wisely, can assist you in better managing your finances.

If you’re interested on finding other best credit cards, you can visit our Best Credit Card in Malaysia page.

Frequently Asked Questions

**Disclaimer

This content is given for general informational purposes only and should not be construed as financial or legal advice. While we make every effort to deliver accurate and up-to-date information, we make no guarantees or representations on the completeness, accuracy, or reliability of any material supplied. RHB credit card terms and conditions, including any incentives, are subject to change at the bank’s discretion. As a result, for the most current and personalised financial advice, it is best to speak directly with RHB Bank or a trained financial counsellor. Any information supplied here is used entirely at your own risk.