Why Your Credit Card Choice Matters
Imagine being rewarded every time you dine out, saving on petrol costs during your daily commute, or enjoying complimentary lounge access while travelling. The right credit card transforms your everyday spending into valuable benefits. However, choosing the wrong one could mean missing out on rewards or paying for features you never use.
RHB’s credit cards are designed to fit seamlessly into your lifestyle. For instance, if you’re frequently on the road, the RHB Cash Back Credit Card/-i offers up to 5% cashback on fuel. If you love travelling, the RHB Visa Infinite Credit Card and RHB Premier Visa Infinite Credit Card/-i provides unlimited lounge access and travel insurance.
Tips to Find the Best Credit Card
The key to choosing the right credit card in Malaysia? Identify your spending needs or habits and match them with the card’s features.
Analyse your spending habits
Are you spending more on dining, retail shopping, travel, or fuel? For example, if dining is a significant part of your expenses, the RHB World Mastercard Credit Card/-i is a fantastic option. It not only offers cashback on dining but also includes lifestyle perks like airport lounge access. On the other hand, if you’re an online shopper, the RHB Rewards Credit Card/-i is perfect for earning loyalty points on every transaction.
Understand the different types of credit cards
Cashback cards, such as the RHB Cash BackCredit Card/-i, are ideal for those who want instant savings. Rewards cards, like the RHB Rewards Credit Card/-i, let you earn points redeemable for gifts or discounts. If you’re a frequent traveller and enjoy shopping overseas, the RHB Visa Infinite Credit Card grants 5x Loyalty Points for every RM1 spent.
Compare fees and charges
Look for cards that provide fee waivers upon meeting certain requirements. Some RHB cards offer a lifetime annual fee waiver. However, some RHB cards waive annual fees when you meet the spending requirement. Others like RHB Rewards Credit Card/-i, waive annual fees for a supplementary card.
Evaluate rewards and cashback rates
Think about how these align with your spending patterns. The RHB Visa Infinite Credit Card, for example, provides high loyalty points for users who spend on overseas shopping. If you actively buy groceries and food online, you can opt for RHB Cash Back Credit Card/-i with up to 10% cashback for that category.
Check eligibility requirements
RHB offers credit cards for all income levels. Whether you’re just starting your career or have established yourself financially, there’s an RHB card that fits your profile.
Overview of RHB Credit Cards
Each RHB credit card is crafted to address specific lifestyle needs.
The RHB Cash Back Credit Card/-i is a favourite among shoppers. It offers a variety of cashback for multiple spending categories. For example, fueling up petrol for your car, paying utility bills, ordering food or groceries online, dining out, and shopping for groceries.
The RHB Rewards Motion Code™ Credit Card/-i caters to online shoppers, providing up to 10x Loyalty Points on retail purchases. Its dynamic CVV feature ensures secure transactions, making it a trusted companion for e-commerce enthusiasts.
For travellers, the RHB Visa Infinite Credit Card offers unlimited lounge access in Malaysia and Singapore, comprehensive travel insurance of up to RM2 million, and rewards for overseas spending. Similarly, the RHB Premier Visa Infinite Credit Card/-i provides premium users with even higher Loyalty Points and exclusive privileges.
Lastly, the RHB World Mastercard Credit Card/-i appeals to those who enjoy dining out and a luxurious lifestyle. With cashback on dining and complimentary access to airport lounges, it’s a card designed for indulgence.
How RHB Stands Out
RHB’s credit cards are not just about features—they’re about making your life easier. With flexible options for different income levels, transparent terms, and a strong digital presence through mobile banking, RHB ensures that managing your credit card is hassle-free.
Also, RHB has a versatile loyalty program called RHB Loyalty Points, where you can earn points from your credit cards and other RHB products that run promotional campaigns.
Whether it’s tracking your expenses, paying your bills, or redeeming rewards, you can do it all with the RHB Mobile Banking app.
Matching Your Lifestyle with RHB Credit Cards
RHB makes it simple to find a card that fits your lifestyle. If you’re a frequent traveller, the RHB Visa Infinite Credit Card is an excellent choice, offering perks like unlimited lounge access and robust travel insurance.
RHB Cash Back Credit Card/-i rewards your everyday spending with valuable cashback that helps lighten your wallet.
Online shoppers will appreciate the RHB Rewards Credit Card/-i for its secure features and generous loyalty points, while food lovers can enjoy cashback on dining with the RHB World Mastercard Credit Card/-i.
Conclusion: Take the Next Step
The right credit card is more than just a financial tool; it’s a partner in achieving your goals. With RHB’s diverse range of credit cards, you’ll find options that reward you for your spending habits, enhance your lifestyle, and support your financial aspirations.
Ready to find your perfect match? Explore RHB’s credit card options today!
