RHB Visa Signature Credit Card

What are the benefits of RHB Visa Signature Credit Card?

Start travelling now with RHB Signature Credit Card as it offers you unlimited 1% cashback on all online and overseas transactions! You are entitled to 4 complimentary access into Plaza Premium Lounges in Malaysia with 25% discount for all accompanying guests. As for golfing privileges, you will get to enjoy exclusive tee-off at over 30 gold courses worldwide. This card also comes with Travel Insurance coverage.

What are the Fees and Charges of RHB Visa Signature Credit Card?

There is no annual fee with a total spend of at least RM50,000 per year, otherwise, it is RM636. As for supplementary card, it is RM318 with two years free wavier. The cashback limit is RM200 per month. The Goods and Services Tax (GST) are already included in the annual fee. Other than that, by settling your payments promptly on time (this means settling the minimum payment, 5% of the outstanding balance or RM50 whichever is higher) you get to enjoy a low finance charge of 15% per annum.

Are You Eligible For The RHB Signature Credit Card?

To apply for RHB Signature Credit Card, you need a minimum monthly income of RM8,334 and to be at least 21 years old.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as RHB Platinum Business Card and OCBC Platinum MasterCard, which may match your requirements.

If you prefer to broaden your credit card search, review more RHB credit cards and start comparing today!

What is the minimum income to apply for the RHB Visa Signature Credit Card?

The RHB Visa Signature Credit Card requires a minimum annual income of RM80,000, which is equivalent to RM6,667 per month. This positions it as a mass affluent card, suited for mid-to-high income earners who spend regularly on online shopping, entertainment, and overseas travel.

What is the cashback rate for the RHB Visa Signature Credit Card?

The RHB Visa Signature offers tiered cashback of up to 6% on online spending, entertainment, and shopping when total monthly spending reaches RM3,500. Overseas spending earns up to 2% cashback. Cashback on domestic categories is capped at RM30 per category per month, and overseas cashback is capped at RM100 per month.

Does the RHB Visa Signature Credit Card have an annual fee?

No. The RHB Visa Signature Credit Card is free for life, with no annual fee for both principal and supplementary cardholders. There is no minimum spend requirement to waive the annual fee, making it a low-commitment card for eligible applicants.

How does the cashback tier work on the RHB Visa Signature?

Cashback rates are determined by your total monthly spending across all transactions. Spend RM3,500 or more per month to earn 6% on online, entertainment, and shopping. Spend between RM2,500 and RM3,499 to earn 2%. Spend between RM1,000 and RM2,499 to earn 1%. These rates apply to eligible MCC-classified transactions only.

Does the RHB Visa Signature include free airport lounge access?

Yes. The RHB Visa Signature provides up to 6 complimentary visits per year to selected Plaza Premium Lounges in Malaysia, subject to a minimum monthly spend of RM500. From the 7th visit onwards, a 25% discount applies. International lounges (excluding Shanghai and Beijing) offer a 20% discount on walk-in rates.

Is there a foreign transaction fee on the RHB Visa Signature?

Yes. When you spend in foreign currencies, a 1% administrative fee is added on top of the exchange rate used to convert your overseas purchases back to Malaysian Ringgit. This fee applies regardless of any cashback earned, so factor this into your net savings when using the card abroad.

What spending is excluded from RHB Visa Signature cashback?

The following transaction types do not earn cashback on the RHB Visa Signature: cash advances, charity donations, government-related payments, and petrol transactions. Cashback is only credited on eligible merchant category codes (MCCs) as defined by RHB. Cardholders can review the full MCC list on the RHB website.

Does the RHB Visa Signature include travel insurance?

Yes. The card provides complimentary travel insurance coverage of up to RM600,000. This typically covers travel inconveniences such as flight delays, missed connections, and lost luggage. Coverage is activated when you charge your flight tickets to the card. Refer to the certificate of insurance for full terms.

What golf privileges come with the RHB Visa Signature Card?

RHB Visa Signature cardholders enjoy complimentary green fees at selected golf clubs in Selangor, including Glenmarie Golf and Country Club, Sungai Long Golf and Country Club, and Tropicana Golf and Country Resort. Allocation is on a first-come, first-served basis. Buggy fees, caddy charges, and other incidentals must be paid with the card.

How does the RHB Visa Signature compare to the RHB World Mastercard?

Both are premium no-annual-fee cards, but they serve different profiles. The Visa Signature offers cashback (up to 6% capped at RM30/month) with 6x free lounge passes. The World Mastercard focuses on LoyaltyPlus Points with 10x points on movies and overseas spending, plus 5 free lounge visits. The Visa Signature suits frequent local spenders; the World Mastercard suits points collectors and travellers.