Best RHB Credit Cards in Malaysia

RHB Bank is one of Malaysia’s largest banks, and its credit card line-up covers almost every type of spender — petrol-heavy drivers, frequent flyers, points collectors and everyday cashback hunters. The challenge is that RHB runs more than a dozen cards (plus Shariah-compliant -i versions), so picking the right one is genuinely confusing.

This guide is verified June 2026 against RHB’s own product pages and reputable comparison sources. Card features change often, so always confirm the latest terms with RHB before you apply. Below we break down the best RHB credit cards by who they actually suit, then walk you through how to choose, a worked example, and the pitfalls that quietly erode your rewards.

Best RHB Credit Cards in Malaysia at a Glance (2026)

*RHB World Mastercard income requirement and the lounge spend conditions for the Visa Infinite / Premier Visa Infinite vary by channel — confirm the current figure with RHB before applying. Cashback tiers depend on hitting a minimum monthly spend.

1. RHB Shell Visa Credit Card – Best for Drivers Who Fuel at Shell

If most of your fuel goes into a Shell pump, this is the standout RHB card. Following a feature revision effective 8 September 2025, the petrol cashback was lifted to up to 12% at any Shell station nationwide.

Features & Benefits

• Up to 12% cashback when you fuel at any Shell station, capped at RM50 per month (you must hit the minimum monthly spend to unlock the top tier).
• Up to 5% cashback on everyday essentials — groceries, online spend, e-wallet reloads, retail and utility bills.
• 0.2% cashback on all other retail spending.

Eligibility

• Minimum annual income: RM24,000 (about RM2,000/month).
• Principal cardholder 21+; supplementary cardholder 18+.

Fees & Charges

• Annual fee RM195 — free for the first year, waived in subsequent years with a minimum of 24 swipes per year.
• RM25 service tax on activation and each anniversary.
• Minimum monthly payment: 5% of the outstanding balance or RM50, whichever is higher.
• Late payment: 1% of outstanding or RM10, whichever is higher, capped at RM100.
• Cash withdrawal: 5% of the amount or RM15, whichever is higher.
• Interest is tiered by BNM at 15% / 17% / 18% p.a. based on your repayment record (see the interest section below).

Heavy fuel spender? Compare it against the wider field in our best petrol credit cards in Malaysia guide.

2. RHB Cash Back Visa Credit Card – Best for Everyday Cashback

Not a Shell loyalist? The RHB Cash Back Visa spreads its rewards across the categories most households spend on, making it the most versatile cashback card in the RHB range.

Features & Benefits

• Up to 10% cashback across six categories: petrol (any station), dining, groceries, online food delivery, utilities and online shopping.
• Cashback is capped at RM10 per category per month (up to RM60/month total if you max every category), and the rate you earn scales with your total monthly spend.

Eligibility

• Minimum annual income: RM24,000.
• Principal cardholder 21+; supplementary cardholder 18+.

Fees & Charges

• Annual fee RM70 — free for the first year, waived thereafter with a minimum of RM10,000 annual spend.
• RM25 service tax, 5%/RM50 minimum payment, 1%/RM10 (max RM100) late fee, 5%/RM15 cash advance — same standard RHB structure as above.
• BNM-tiered interest 15% / 17% / 18% p.a.

See how it stacks up against rivals in our best cashback credit cards in Malaysia comparison.

3. RHB World Mastercard – Best for Travel, Petrol & Dining Cashback

A free-for-life card that pairs lifestyle cashback with airport lounge access — strong value if you can hit the spend thresholds.

Features & Benefits

• Tiered cashback of 1% to 6% on travel, petrol and dining (minimum RM1,000 local spend), capped at RM30/month: 6% kicks in at RM3,500+ monthly spend, 2% from RM2,500–RM3,499, and 1% from RM1,000–RM2,499.
• Up to 2% cashback on overseas retail (min RM1,000 spend, capped RM100/month) — note a ~1% foreign-transaction fee trims the net benefit.
• 0.2% on all other spending, uncapped.
• 6 complimentary Plaza Premium Lounge visits in Malaysia per year, plus guest and worldwide lounge discounts.
• Travel insurance coverage up to RM600,000 and complimentary green fees at selected golf clubs.

Eligibility

• Minimum annual income: RM80,000 (confirm the current figure with RHB).
• Principal cardholder 21+; supplementary cardholder 18+.

Fees & Charges

• Free for life for both principal and supplementary cards.
• RM25 service tax; 5%/RM50 minimum payment; 1%/RM10 (max RM100) late fee; 5%/RM15 cash advance.
• BNM-tiered interest 15% / 17% / 18% p.a.

4. RHB Rewards Credit Card – Best for Points Collectors

RHB overhauled its rewards programme on 9 April 2025, splitting points into two streams — LoyaltyPlus Points (the more valuable type, earned on overseas, local airline, hotel and travel spend) and standard Loyalty Points (everything else). This matters because conversion to Enrich miles now differs: roughly 8,000 LoyaltyPlus = 1,000 Enrich, versus 10,000 Loyalty = 1,000 Enrich. Points are valid for three years.

Features & Benefits

• Up to 10X points on cinema/movie tickets.
• Up to 4X on overseas spend, 3X online, 2X on retail/health/insurance, and 1X on other retail.
• Complimentary green fees at participating golf clubs.

Eligibility

• Minimum annual income: RM24,000.
• Principal cardholder 21+; supplementary cardholder 18+.

Fees & Charges

• Annual fee RM200 — free for the first year, waived thereafter with RM10,000 annual spend; supplementary cards free.
• RM25 service tax; 5%/RM50 minimum payment; 1%/RM10 (max RM100) late fee; 5%/RM15 cash advance.
• BNM-tiered interest 15% / 17% / 18% p.a.

5. RHB Visa Infinite Credit Card – Best Free Premium Travel Card

Features & Benefits

• 5X LoyaltyPlus Points for every RM1 spent overseas; 1X on local spend.
• Unlimited Plaza Premium Lounge & Aerotel access (local and overseas) with RM100,000 annual retail spend — OR up to 12 complimentary visits per year if the card is active and you spent at least RM1,000 in the previous month.
• Travel insurance coverage up to RM2,000,000.
• Complimentary tee-offs at selected golf clubs.

Eligibility

• Minimum annual income: RM150,000 (about RM12,500/month).
• Principal cardholder 21+; supplementary cardholder 18+.

Fees & Charges

• No annual fee, no minimum spend requirement.
• RM25 service tax; 5%/RM50 minimum payment; 1%/RM10 (max RM100) late fee; 5%/RM15 cash advance.
• BNM-tiered interest 15% / 17% / 18% p.a.

Comparing premium travel options across banks? Read our best travel credit cards in Malaysia guide.

6. RHB Premier Visa Infinite – Best for RHB Premier Members

RHB’s most exclusive tier, reserved for Premier Banking members and heavy overseas spenders.

Features & Benefits

• 8X LoyaltyPlus Points per RM1 of foreign-currency retail spend — rising to 10X in any statement month where total spend reaches RM10,000+; plus up to 3X on hotels, airlines and travel.
• Unlimited Plaza Premium / Aerotel lounge access across Malaysia and many overseas locations (subject to the same RM100k annual or RM1k monthly spend conditions).
• Travel insurance up to RM2,000,000.

Eligibility & Fees

• Minimum annual income RM150,000 (about RM12,500/month); RHB Premier membership required.
• Free for life. Standard RHB service tax, repayment, late, cash-advance and BNM-tiered interest terms apply.

7. RHB Visa MyEG Credit Card – Best for Government & MyEG Services

Features & Benefits

• 5X Loyalty Points per RM1 on MyEG transactions — road tax and insurance renewal, JPJ and other services on myeg.com.my or at MyEG counters.
• 1X Loyalty Points per RM1 on all other spending.

Eligibility

• Minimum annual income: RM24,000.
• Principal cardholder 21+; supplementary cardholder 18+.

Fees & Charges

• Annual fee RM88 — free for the first year.
• RM25 service tax; 5%/RM50 minimum payment; 1%/RM10 (max RM100) late fee; 5%/RM15 cash advance.
• BNM-tiered interest 15% / 17% / 18% p.a.

Best RHB Islamic Credit Cards in Malaysia

RHB’s Islamic credit cards are Shariah-compliant -i versions of the conventional line-up, so the rewards, fees and eligibility broadly mirror their conventional twins — the difference is the underlying contract and Shariah governance, not the perks. If you want the same benefits structured to Islamic principles, look for the matching -i card:

1. RHB Islamic Cash Back Credit Card-i

The Shariah-compliant twin of the Cash Back Visa: up to 10% cashback across petrol, dining, groceries, online food delivery, utilities and online shopping, capped at RM10 per category per month. Ideal for everyday spenders who want rewards aligned with Islamic principles. A first-year fee waiver applies.

2. RHB Islamic World Mastercard Credit Card-i

Mirrors the World Mastercard’s tiered cashback on travel, petrol and dining, complimentary airport-lounge access and travel insurance, with the same premium positioning — for those who value luxury perks delivered the Shariah-compliant way.

3. RHB Islamic Rewards Credit Card-i

Built around the same LoyaltyPlus / Loyalty Points programme, earning accelerated points on cinema, online and overseas spend. A solid pick if you want a points-focused card that rewards everyday shopping, dining and online purchases.

4. RHB Islamic Premier Visa Infinite Credit Card-i

The premium travel choice for Premier members who want Shariah compliance — airport lounge access, travel insurance, accelerated LoyaltyPlus on overseas spend and air-mile conversion, plus a range of lifestyle privileges.

5. RHB Islamic Visa Infinite Credit Card-i

The free-for-life premium card for frequent travellers who want Shariah compliance: 5X LoyaltyPlus on overseas spend, unlimited or up to 12 lounge visits depending on spend, up to RM2 million travel insurance and golf privileges.

How to Choose the Right RHB Credit Card

Instead of chasing the biggest headline number, match the card to where your money actually goes each month:

• Start with your single biggest spend category. Fuel at Shell → Shell Visa. Mixed everyday spending → Cash Back Visa. Lots of travel/dining → World Mastercard. Frequent overseas trips → Visa Infinite.
• Check whether you can clear the cap. Cashback caps (RM50/month on Shell, RM30/month on World Mastercard, RM10/category on Cash Back) mean the “up to 12%” rarely applies to all your spend. Estimate your realistic monthly cashback, not the maximum.
• Cashback vs points. Cashback is simple and certain; points (LoyaltyPlus/Loyalty → Enrich) only pay off if you actually redeem them for travel. If you won’t track redemptions, take cashback.
• Mind the income gate. The Visa Infinite needs RM150,000/year; most cashback cards need just RM24,000. Don’t apply for a card you can’t qualify for — rejections can show on your CTOS credit report.
• Factor the fee waiver. A RM200 fee is meaningless if you’ll spend RM10,000/year anyway, but real money if you won’t.

Many savvy users pair two cards: one petrol/cashback card for daily spend and one free premium card (Visa Infinite) for travel and lounge access. Just remember that under BNM rules, new cardholders earning RM36,000 or less per year can hold cards from a maximum of two issuers.

Worked Example: Picking Between the Shell Visa and Cash Back Visa

Say you spend roughly RM800/month on Shell petrol, RM600 on groceries, RM400 dining and RM300 online:

• Shell Visa: 12% on RM800 fuel = RM96, but capped at RM50; plus up to 5% on the RM1,300 of groceries/dining/online ≈ RM65 (subject to tiers). The fuel cap is the binding constraint here.
• Cash Back Visa: up to 10% across six categories but only RM10 per category — so fuel, groceries, dining and online could each return up to RM10, totalling around RM40/month.

The lesson: if one category dominates (heavy Shell fuel), the Shell Visa’s larger RM50 fuel cap wins. If your spend is spread evenly across many categories, the Cash Back Visa’s six-category structure captures more of it. Run your own numbers against the caps before deciding.

RHB Credit Card Interest Rates & Charges (2026)

RHB, like all Malaysian issuers, follows Bank Negara Malaysia’s tiered interest cap. Your rate depends on your repayment behaviour over the past 12 months:

Other standard charges across the RHB range: minimum monthly payment of 5% or RM50 (whichever is higher), a late-payment fee of 1% or RM10 capped at RM100, a cash-advance charge of 5% or RM15, an 18% p.a. cash-advance interest rate, and a RM25 government service tax on activation and each anniversary. The simplest way to pay 0% interest is to settle your statement balance in full and on time every month.

Common Pitfalls to Avoid

• Assuming you’ll earn the headline rate. The “up to” rates require minimum monthly spend and are capped — most users earn far less than the advertised maximum.
• Ignoring the foreign-transaction fee. Overseas cashback and points are eroded by a ~1% FX fee plus the network markup. For pure overseas spend, a dedicated travel card or the Wise travel card may be cheaper.
• Letting points expire. LoyaltyPlus and Loyalty Points are valid three years from 9 April 2025 — diarise a redemption before they lapse.
• Carrying a balance. At 15–18% p.a., interest dwarfs any cashback. Cards only reward you if you pay in full.
• Paying an avoidable annual fee. Most RHB fees waive with minimum swipes or spend — set a reminder so you don’t miss the threshold.

RHB Credit Card Promotions & Bonuses

Beyond the ongoing cashback and points, RHB regularly runs sign-up and spend campaigns. As of 2026 these include acquisition offers (cashback or gifts for new cardholders who hit a spend target within a set window) and seasonal merchant deals across travel, dining and online shopping. RHB has also continued its “win gold”-style campaigns for new card applicants. Because these rotate frequently, always check the live RHB promotions page for current terms before you count on a bonus.

Reward Points to Enrich Miles

Following the April 2025 revision, RHB points convert to Malaysia Airlines Enrich miles at roughly 8,000 LoyaltyPlus Points per 1,000 Enrich and 10,000 Loyalty Points per 1,000 Enrich. Travel spend earns the more valuable LoyaltyPlus type, so concentrate overseas, airline and hotel purchases on your RHB card if miles are your goal.

Streamline Debt with RHB Smart Move Balance Transfer

If you’re carrying high-interest balances on other cards, RHB’s balance transfer programme lets you move them onto an RHB card at a promotional rate. For the 1 January – 31 December 2026 campaign, the Smart Move Balance Transfer offers rates from 4.88% p.a. over 6 months up to about 6.88% p.a. over 36 months, with no upfront handling fee. The minimum transfer is RM1,000 and the maximum is 80% of your available credit limit.

Used well, this can save a lot versus the standard 15–18% p.a. The catch: miss a single instalment and the prevailing 18% p.a. interest plus the late fee kick in — so only use a balance transfer if you have a realistic plan to clear it within the promo period.

How to Apply for an RHB Credit Card

Once you’ve chosen your card, applying is straightforward and can be done online via the RHB website. Make sure you meet the eligibility criteria and have your documents ready first.

Eligibility Criteria

Documents You’ll Need

After you submit, RHB reviews your credit standing and income, then notifies you by email, SMS or letter — typically within a few business days. Once approved, your card is produced and posted to you; you’ll activate it (via the hotline or RHB online banking) and set your PIN before first use.

Conclusion: Making the Right Choice for Your Needs

There is no single “best” RHB credit card — only the best one for your spending pattern. If you fuel at Shell, the Shell Visa’s RM50 monthly fuel cap is hard to beat. For broad everyday cashback, the Cash Back Visa is the most flexible. Travellers who can clear the spend thresholds get genuine value from the free-for-life World Mastercard and Visa Infinite, while points enthusiasts should weigh the post-2025 LoyaltyPlus structure carefully. Always map the rewards against the caps, the fee waiver and your realistic monthly spend, and pay in full each month so interest never eats your rewards.

Still weighing your options across banks? Compare the wider field in our best credit cards in Malaysia guide. For full official terms, see the RHB credit cards page, and for the regulated interest and fee framework, the Bank Negara Malaysia website.

All figures verified June 2026 against RHB and reputable comparison sources; terms change frequently, so confirm the latest details with RHB before you apply.

Frequently Asked Questions

**Disclaimer

This content is provided by KayaToday 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 as to the completeness, accuracy or reliability of any material supplied. RHB credit card terms and conditions, including any incentives, rates and fees, are subject to change at the bank’s discretion. For the most current and personalised advice, please speak directly with RHB Bank or a licensed financial adviser. Any information used here is at your own risk.