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    Live the life you want with one of these cards.
    RHB Visa Infinite Credit Card
    Min. income RM150,000 per annum
    • Earn up to 5x Reward Points
    • Unlimited access to airport lounges in Malaysia and Singapore
    • Travel insurance of up to RM2,000,000
    • No Annual Fees
    view details
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    RHB Visa Signature Credit Card
    Min. income RM80,000 per annum
    • Earn up to 6% Cash Back
    • 5x complimentary access to airport lounges in Malaysia
    • Travel insurance of up to RM600,000
    • No Annual Fees
    view details
    I'm interested
    RHB Rewards Credit Card
    Min. income RM24,000 per annum
    • Earn up to 10x Reward Points on your retail purchases
    • No capping on maximum Reward Points you could earn
    • No Annual Fees (1st year waived. 2nd year onwards waived with minimum RM10,000 spend p.a)
    view details
    I'm interested
    RHB Cash Back Credit Card
    Min. income RM24,000 per annum
    • Earn up to 10% Cash Back on your retail purchases
    • No Annual Fees (1st year waived. 2nd year onwards waived with minimum RM10,000 spend p.a)
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    More benefits with
    RHB Credit Cards!
    Jump into the benefits and privileges fray.
    Be it redemption, rewards and much more!
    Smart Move Balance Transfer

    Transfer your outstanding balances from other credit card/charge card to your RHB Credit Card and enjoy BIG savings with our low interest rates!

    Find out more

    Smart Move Balance Transfer

    Transfer your outstanding balances from other credit card/charge card to your RHB Credit Card under RHB Smart Move Balance Transfer and enjoy great savings with interest rates starting from as low as 4% for 12 Months tenure.

    Smart Move Balance Transfer Table

    Tenure (Month) 12 18 24
    Minimum Balance Transfer Amount (RM) 1,000 1,000 1,000
    Plan A B C
    Interest Rate (One Time Charge) 4.00% 7.00% 10.99%
    Effective Rate (Per Annum) 7.30% 8.67% 10.22%
    One Time Interest Charge
    (RM - based on Minimum Balance Transfer Amount)     		40.00 70.00 109.90
    Monthly Payment (RM) 86.66 59.44 46.25

    Note:
    Promotion is valid till 30 June 2019

    4 Easy Ways to Apply

    1.  Call
    Call our Customer Care Centre at 03-92068118 and request for Smart Move Balance Transfer
    2.  SMS
    SMS CXBT to 66300 and our Customer Care personnel will be in touch with you to complete the application
    3.  Email
    Download and complete the Smart Move Balance Transfer application form and email the completed application form along with a copy of the other bank's latest credit card statement, to telesales_department@rhbgroup.com
    4.  Walk-in
    Alternatively, drop the completed application form to any RHB branches near you

    Terms and Conditions
    Download

    CashXcess

    Need extra cash? Get fast cash from your RHB Credit Card when you apply for RHB CashXcess.

    Find out more

    CashXcess

    Need extra cash? Now, you can get fast cash from your RHB Credit Card. Apply RHB CashXcess now to enjoy interest rate starting from as low as 4.88% for 12 Months tenure.

    • Lengthened repayment period of up to 24 months
    • Withdrawal up to 80% of your available credit limit
    • No processing fee or early exit fee penalty

    Plan Interest Rates Effective Rate Tenure Minimum Amount
    A 8.00% p.a 14.45% 12 months RM1,000
    B 9.00% p.a 16.43% 24 months RM1,000
    630 4.88% p.a. 8.89% 12 months RM3,000

    Note:
    Promotion is valid till 30 June 2019

    4 Easy Ways to Apply

    1.  Call
    Call our Customer Care Centre at 03-92068118 and request for CashXcess
    2.  SMS
    SMS CXBT to 66300 and our Customer Care personnel will be in touch with you to complete the application
    3.  Email
    Download and complete the CashXcess application form and email the completed application form to telesales_department@rhbgroup.com
    4.  Walk-in
    Alternatively, drop the completed application form to any RHB branches near you

    Terms and Conditions
    Download

    Dial-An-Instalment

    With a minimum spend of RM500, you can now convert your RHB Credit Card purchases into flexible monthly instalments for a small fee.

    Find out more

    Dial-An-Instalment

    Shop to your heart’s content with flexible monthly instalments. Dial-An-Instalment to convert your RHB Credit Card purchases into affordable monthly instalments.

    Plan
    (months)    		 One Time Upfront Rate Effective Rate Minimum Transaction Amount
    6 months 2.50% 8.52% RM500
    12 months 5.00% 9.10% RM1,000
    18 months 7.00% 8.67% RM1,000
    24 months 9.00% 8.41% RM2,000
    No Maximum purchase amount limit
    Promotion is valid from 1 January 2019 to 31 December 2019

    Simple Steps to Apply

    1.  Call us at 03-92068118 or 082-276118 three (3) days after your purchase(s)
    2.  Identify purchase(s) to be converted by referring to sales draft or monthly credit card statement
    3.  Choose from flexible payment plans of 6, 12, 18 or 24 months

    How It Works

    Amount Purchased Monthly Payment Amount
    6 Months @ 2.50% 12 Months @ 5.00% 18 Months @ 7.00% 24 Months @ 9.00%
    RM500 on designer wear RM85.42 - - -
    RM1,000 on a vacation RM170.83 RM87.50 RM59.45 -
    RM2,000 on jewelry RM341.67 RM175.00 RM118.89 RM90.84

    Terms and Conditions

    Credit Limit Increase

    Increase your credit limit today and enjoy greater financial flexibility!

    Find out more

    Credit Limit Increase

    Enjoy all these and more when you increase your credit limit today:

    • Greater financial flexibility
    • Improved lifestyle
    • Shopping sprees
    • Fine Dining
    • Travelling

    For more information, please call RHB Phone Banking at 03-92068118 for Peninsular Malaysia (available 24 hours, 7 days a week), 082-276 118 for Sabah and Sarawak.

    Smart Instalment

    Enjoy an interest-free monthly instalment plan for purchases over RM1,000 with RHB's participating merchants.

    Find out more

    Smart Instalment

    Take full advantage of repayments with 0% interest for up to 24 months with RHB Smart Instalment and make your shopping much more flexible and easy on your pocket. RHB Smart Instalment is available at over 70 merchants.

    Highlights

    • Immediate approval 0% interest repayment with additional options of 6, 9, 12 or 24 months
    • No application required and no additional fee charged
    • Minimum purchase of RM1,000 and maximum of 100% of Cardholder’s available credit limit

    RHB Smart Instalment of IKEA applies to:

    For more information, please call RHB PhoneBanking at 03-92068118 (Peninsular Malaysia) or 082-276118 (Sabah & Sarawak), available 24 hours, 7 days a week.

    Participating Merchants Listing
    • Naza Bike SB
    • KSH Bicycle Sdn Bhd
    • Nation-Tech Sdn Bhd
    • Hewlett-Packard Sales (M) Sdn. Bhd.
    • Acer Sales & Services
    • Pineapple Computers
    • Tele Dynamics Sdn Bhd (Toshiba)
    • HINT Tech Sdn Bhd
    • KBU International College
    • Super Camp Learning
    • iNTI Management Services Sdn Bhd
    • Erican Language Centre Sdn Bhd
    • HSL Electrical & Electronics
    • Samsung Electronics
    • Kawamichi Sdn Bhd
    • I-Berhad
    • Ikomo Sdn Bhd
    • Sony (M) Sdn Bhd
    • Senheng Electric (KL) Sdn Bhd
    • WBG Indinine (M) Sdn Bhd
    • True Fitness
    • Sarana Mitra Niaga
    • Pathlab Health Management
    • MyWay International Bhd
    • Morden Mum Sdn Bhd
    • Leonard Drake Sdn Bhd
    • Alice Total Health & Beauty
    • Bella Lina Franchise Int’l Sdn Bhd
    • Diamond Interest Sdn Bhd
    • Marie France Bodyline
    • Bella Skin Care
    • Svenson Hair Care
    • The Slimming Sanctuary
    • Unisense Slimming Boutique
    • Dermasoft Esthetic House
    • CN Health & Beauty
    • Expressions International
    • Mayfair Face Body Spa
    • OSIM
    • OTO Bodycare
    • GINTELL
    • Ogawa
    • HealthStream (M) Sdn Bhd
    • Nesh Marketing (M) Sen Bhd
    • NEP Holdings (Malaysia) Bhd
    • Blondal Marketing (Hydroguard)
    • Eye-Tech Lasik Centre
    • Vista Eye Laser Centre
    • Stella-In International Beauty Centre & Therapy Academy

    Rewards Programme 2019

    Start redeeming your Reward Points today and experience our comprehensive catalogue of rewards. Our extensive array of products make an excellent gift for you, family and friends!

    Find out more

    Rewards Programme 2019

    Thank you for being a part of the RHB Platinum and Infinite card programme. As a bank that loves rewarding our loyal customers, we are pleased to reveal yet another round of exciting privileges tailored specially for you.

    Be it indulging in luxurious moments or surprising a loved one with a heartfelt gift, prepare to be captivated by our comprehensive catalogue of rewards.

    With style and functionality in mind, this year we have put together an extensive array of products. For jetsetters, take a look at trendy designer luggage bags and back packs that make a statement, while the tech-savvy can enjoy spectacular tech gadgets. Indulge the little ones with our exciting selection of interactive and educational toys.

    Check out the fabulous selection of kitchen essentials that can make your moments in the kitchen memorable. Scan through the Home Inspiration, Lifestyle & Wellness and DIY Discoveries to add a little magic to your living space.

    Of course, if you prefer the thrill of shopping on your own, you can always opt for our exclusive range of shopping vouchers. Alternatively, these vouchers make excellent gifts for family and friends!

    Join our eco-friendly efforts to make banking paperless and enjoy unlimited conveniences with your RHB Reward Points or redeem them online via RHB Now.

    If you choose to redeem items or meals on-the-spot, browse through our list of participating merchants at the ‘Benefits’ page on our website.

    Start redeeming today and experience exciting rewards!

    Charity Body

    Aman Palestin is an initiative to assist and channel donations to safeguard the welfare and human rights of Palestinians.

    Aman Palestin is always working to ensure that every ringgit donated by Malaysians, is not only up to the extent for medical aid but to be utilized in the best possible way in Palestine.

    Aman Palestin registrated under the Companies Commission of Malaysia (SSM) under the name of AMAN PALESTIN BERHAD as a non-profit organization to help collective, organized, effective and continuous support to the people who need aid in Palestinian.

    It is hoped that the ongoing concern of Malaysians in channelling aid can provide hope and help alleviate the suffering suffered by the Palestinians.

    In view to the above RHB has extended an option for all RHB Rewards and Infinite Credit Card holder to donate to Aman Palestin via our RHB Reward Program.

    You can donate to Aman Palestin by converting your Reward Points via Online by clicking the link below or by sending physical form to us directly.

    Catalogue
    Redeem Online
    Terms and Conditions
    Frequently Asked Questions

    Enjoy exclusive discounts and offers with your RHB Credit Cards
    Live up your lifestyle with our specially selected deals.
    Old Town
    Complimentary OLDTOWN White Coffee OR get up to 15% off your total bill
    Find out more
    MBO
    Enjoy flat RM8 MBO movie ticket on every Friday, Saturday and Sunday with any RHB Cards
    Find out more
    Expedia
    Get additional 9% off on HOTEL BOOKINGS OR
    Get RM60 off on FLIGHT + HOTEL PACKAGES
    Find out more
    For more
    discounts and offers.Find out more
    Know your balance, transfer funds, pay bills with over 600 billers, DUITNOW, JomPay etc. with RHB Internet Banking.
    Log in now
    Get the most out of your
    RHB cards with the latest news,
    amazing deals and offers
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    Product Disclosure Sheet

    Cardholder Agreement

    RHB World Mastercard Credit Card Terms & Conditions

    MyEG-RHB Credit Card Terms & Conditions
    RHB Visa Infinite Credit Card
    Min. income RM150,000 per annum
    Product Benefits
    Eligibility
    • Age: Minimum 21 years old
    • Income: Minimum RM150,000 per annum
    Terms and Conditions
    RHB Visa Signature Credit Card
    Min. income RM80,000 per annum
    Product Benefits
    • Cash Back
      RHB VISA SIGNATURE CREDIT CARD gives you up to 6% Cash Back per month. Kindly refer to the table below for Cash Back % by spend category:
      Tier Monthly Total Spend (RM) DOMESTIC LOCAL SPEND OVERSEAS SPEND
      ONLINE ENTERTAINMENT SHOPPING OTHERS
      1 RM1,000 – RM2,499 1% 1% 1% 0.20% 0.50%
      2 RM2,500 – RM3,499 2% 2% 2% 0.20% 1%
      3 RM3,500 & above 6% 6% 6% 0.20% 2%
      Monthly Cash Back Capping RM30 RM30 RM30 Unlimited RM100

      Cash Back excludes cash advance, charity, government and petrol transactions.

      For the list of Merchant Category Code (MCC) which are eligible for Cash Back, please click here

      Online Get your cash back on all online transaction. Example of online merchants:
      Lazada, Zalora, AliExpress, & other online merchants
      Entertainment Get your cash back on all entertainment nationwide under the Entertainment MCC. Examples:
      KL Bird Park, Petrosains, GSC Cinemas, Speedy, TGV Cinemas, & other entertainment outlets
      Shopping Get your cash back on shopping spend under the Shopping MCC. Examples:
      Zara, H & M, Charles & Keith, Pedro, & other retail outlets


    • Plaza Premium Lounge Privileges

      - 5x complimentary access in a calendar year to selected Plaza Premium Lounges in Malaysia. Thereafter, a discount of 25% off the walk-in rates will be charged from the sixth visit onwards to lounges in Malaysia.
      - Exclusive 25% discount at all Plaza Premium Lounges in Malaysia for all accompanying guest.
      - Special 20% discount at Plaza Premium Lounges all around the world. (except Shanghai & Beijing)

      Lounges’ facilities
      Complimentary Food & beverages, High speed internet access, Entertainment & Flight Information, Newspapers & magazines, & Shower with amenities

      Please refer to the Terms & Conditions for full details & the list of eligible Plaza Premium Lounges for respective RHB Credit Card.

      Visit https://www.plazapremiumlounge.com/en-uk for the updated Plaza Premium Lounge locations around the world.


    • Golf Privileges

      Enjoy complimentary tee off at the following golf courses:
      For the full Terms and Conditions, please refer to RHB Cards Golf Privileges 2019

      Golf Clubs Booking Contact No. / Details
      Kota Permai Golf & Country Club, Selangor, Malaysia RHB Priority Line
      +603 9206 1111
      Sungai Long Golf & Country Club, Selangor, Malaysia
      Penang Golf Club, Penang, Malaysia
      Palm Garden Golf Club, Selangor, Malaysia
      The Mines Resort & Golf Club, Selangor, Malaysia
      Glenmarie Golf & Country Club, Selangor, Malaysia
      Tropicana Golf & Country Resort, Selangor, Malaysia

      Enjoy 50% discount on green fee at following golf courses:

      Golf Clubs Booking Contact No. / Details
      The Els Club Teluk Datai, Langkawi, Malaysia Prior reservation through the dedicated email only visabooking@dreamgolfevents.com
      Click here for information
      Glenmarie Golf & Country Club, Selangor, Malaysia
      Kota Permai Golf & Country Club, Selangor, Malaysia
      Tropicana Golf & Country Club, Selangor, Malaysia
      The Els Club Desaru, Johor, Malaysia


    • Travel Insurance
      - Up to RM600,000 Travel Insurance coverage. Please click here for more details.
    Eligibility
    • Age: Minimum 21 years old
    • Income: Minimum RM80,000 per annum
    Terms and Conditions
    RHB Rewards Credit Card
    Min. income RM24,000 per annum
    Product Benefits
    • Reward Points
      RHB REWARDS CREDIT CARD rewards you with great rewards on your daily essentials spend. Get up to 10x Reward Points when you spend on movie tickets, overseas spend, online & e-wallet, health & insurance, retail shopping and other categories. Kindly refer to the table below for Rewards multiplier by spend category:
      Spend Categories Credit Card Reward Points Multiplier for every RM 1 spend
      Overseas Spend* 4X*
      Online Spend^ 3X^
      Health Spend 2X
      Insurance Spend 2X
      Shopping Spend
      		 2X
      Cinema Entertainment Spend**
      		 10X**
      Others Spend
      		 1X 

      Note:
      * Overseas Spend is meant for foreign currency transactions performed physically out of Malaysia. Not inclusive of Online, E-commerce, Mail Order Telephone Order (MOTO) and Recurring Auto Debit transactions. 
      ^ Online Spend is meant for all Online, e-Commerce and MOTO transactions in local or foreign currency.
      ** Cinema Entertainment Spend is meant for any mode of transaction under MCC-7832. The tactical 10x Reward Points is valid until 31 December 2019. Thereafter, it will be changed to 1X unless otherwise communicated by RHB Bank.

      For the list of Merchant Category Code (MCC) which are eligible for Reward Points, please click here


    • Golf Privileges
      Daily tee off with no green fee charges at participating golf clubs in Malaysia.
      For the full Terms and Conditions, please refer to RHB Cards Golf Privileges 2019
      GOLF CLUBS BOOKING CONTACT NO. / DETAILS
      Sungai Long Golf & Country Club
      Selangor, Malaysia

      RHB Customer Care Centre
      +603 - 92068118
      Kota Permai Golf & Country Club
      Selangor, Malaysia

    • Other Benefits
      As a Rewards Credit Card holder, you can enjoy the RHB Smart Services as below:
      RHB Smart Services
      - Smart Pay so that you can auto pay your monthly Telekom, Maxis, Digi, Astro and other bills
      - Smart Move where you can balance transfer from any other credit card at attractive rates
      - Smart Instalment at 0% interest for up to 36 months at selected merchants
      - CashXcess allows you to withdraw cash from your credit card with attractive rates and repayment period up to 36 months
      Redeemable for all miles from over 40 airlines and airline vouchers (500 Enrich Miles = 5,500 RHB Reward Points)

    • Principal Card
      - First year: No Annual Fees
      - Subsequent years:
      RM200 per annum.
      (will be waived if cardholder spends RM10,000 in a year.)

    • Supplementary Card
      Annual Fees waived.
    Eligibility
    • Age: Minimum 21 years old
    • Income: Minimum RM24,000 per annum
    Terms and Conditions
    RHB Cash Back Credit Card
    Min. income RM24,000 per annum
    Product Benefits
    • Cash Back
      RHB CASH BACK CREDIT CARD rewards you with great savings on your daily essentials spend. Get up to 10% cash back when you spend on petrol, dining, utilities, grocery, online dining/grocery delivery and other categories. Kindly refer to the table below for Cash Back % by spend category:
      Tier Total Monthly Retail Spend
      (RM)      		 Cash Back
      Petrol Dining Utilities Grocery Online Dining/
      Grocery Delivery      		 Other spend
      1 1.00 – 999.99 0.2% 0.2% 0.2% 0.2% 0.2% 0.2%
      2 1,000.00 – 1,999.99 1.0% 1.0% 1.0% 1.0% 1.0% 0.2%
      3 2,000.00 – 2,499.99 2.0% 2.0% 2.0% 2.0% 2.0% 0.2%
      4 ≥ 2,500.00  5.0% 5.0% 5.0% 5.0% 10.0% 0.2%
      Monthly Capping (RM) RM10 per month RM10 per month RM10 per month RM10 per month RM10 per month unlimited
      For the list of Merchant Category Code (MCC) which are eligible for Cash Back, please click here

      Petrol Get Cash Back on all petrol stations. Example of Petrol merchants:
      Caltex, Petron, Petronas, Shell, All other petrol stations
      Dining Spend on your dining & get cash back up to 5%. Example of Dining merchants:
      McDonald’s, KFC, Secret Recipe, Madam Kwan, All other restaurants
      Utility Bills An easier way to deal with your phone, internet and utility bills. Example of Utility merchants:
      Astro, Celcom, Maxis, Tenaga Nasional Berhad, All other utilitiy billers
      Groceries Stock up in bulk and it still wouldn't be a problem. Example of Grocery merchants:
      Aeon Supermarket, Cold Storage, Giant, Jaya Grocer, Other hypermarkets or supermarkets
      Online Dining / Groceries Enjoy Cash Back for spending on Dining & Groceries via online mode. Example:
      GrabFood, Food Panda, DeliverEat, Mcdonald’s Delivery, Tesco Online, Other Online Dining & Groceries

    • Other Benefits
      As a Cash Back Credit Card holder, you can enjoy the RHB Smart Services as below:
      RHB Smart Services
      - Smart Pay so that you can auto pay your monthly Telekom, Maxis, Digi, Astro and other bills
      - Smart Move where you can balance transfer from any other credit card at attractive rates
      - Smart Instalment at 0% interest for up to 36 months at selected merchants
      - CashXcess allows you to withdraw cash from your credit card with attractive rates and repayment period up to 36 months

    • Principal Card
      - First year: No Annual Fees.
      - Subsequent years:
      RM70 per annum.
      (will be waived if cardholder spends RM10,000 in a year.)

    • Supplementary Card
      Annual Fees waived.
    Eligibility
    • Age: Minimum 21 years old
    • Income: Minimum RM24,000 per annum
    Terms and Conditions
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