What are the benefits of the RHB Rewards Credit Card-i
With RHB Rewards Credit Card membership, you are not only given a variety of privileges but also rewards on your spending! For you entertainment, movies spend earn up 10x, 4x Reward Points for every RM 1 spend overseas and 2x Points for every RM 1 spent on for Health, Insurance & Shopping .Apart from that, you also are entitled for Golf privileges at Kota Permai & Sungai Long Golf & Country Club.
What are the Fees and Charges of the RHB Rewards Credit Card-i
There is no annual fee for the first year and for subsequent years with a minimum spend of RM24,000 per annum, it is RM212. As for supplementary card, it is RM106. Sales & Service Tax (SST) is also included in the annual fee of the card. The Rewards Points will expire in 3 years' time. 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 Rewards Credit Card?
To apply for RHB Rewards Credit Card, you need a minimum monthly income of RM2,000 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 Signature Credit 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 monthly income required for the RHB Rewards Credit Card-i?
The minimum monthly income required is RM2,000. Applicants must be at least 21 years old and a Malaysian citizen or permanent resident. This is consistent with the eligibility criteria published by RHB Bank, a BNM-licensed financial institution.
How many points does the RHB Rewards Credit Card earn per RM1 spent?
Earning rates vary by spend category. Movie purchases earn 10x Loyalty Points per RM1. Overseas spend earns 4x LoyaltyPlus points. Online spend earns 3x LoyaltyPlus points. Health, insurance and shopping spend earns 2x Loyalty points. Other retail spend earns the base rate. Note: RHB restructured its rewards programme in April 2025, creating LoyaltyPlus Points (premium tier) and Loyalty Points (standard tier).
What is the annual fee for the RHB Rewards Credit Card-i, and can it be waived?
The annual fee is RM200 per year (plus SST). The first year is free. From Year 2 onwards, the fee is waived if you meet the minimum annual spend threshold (RM10,000). Supplementary cardholders have their fees waived.
When do RHB Rewards Credit Card points expire?
LoyaltyPlus Points and Loyalty Points earned on the RHB Rewards Credit Card expire after 3 years. Points should be redeemed before expiry via the RHB Superdeals platform, which offers over 8,000 redemption options including air miles, vouchers and merchandise.
How do I redeem RHB Loyalty Points earned from the Rewards Credit Card?
Points can be redeemed via the RHB Mobile App or RHB Online Banking under the RHB Superdeals section. Redemption options include Malaysia Airlines Enrich miles (preferential rates apply for LoyaltyPlus Points), shopping vouchers, home appliances, and other merchandise. As of 2025, RHB Rewards Credit Card can convert 14,000 LoyaltyPlus Points for 1,000 miles, while 24,100 standard Loyalty Points are needed for the same conversion.
What golf courses are included in the RHB Rewards Credit Card golf privileges?
The RHB Rewards Credit Card-i includes complimentary tee-off privileges at two golf clubs: Kota Permai Golf and Country Club (Shah Alam) and Sungai Long Golf and Country Club (Kajang), which features Malaysia's first Jack Nicklaus Signature course. Buggy, caddy and other incidental fees must be charged to the RHB card. Full terms are governed by RHB Premium Cards Golf Privileges terms and conditions.
What is the interest rate for the RHB Rewards Credit Card?
The standard finance charge is 15% per annum, applicable when you consistently pay at least the minimum monthly payment (the higher of RM50 or 5% of your outstanding balance) for 12 consecutive months. A higher rate of 17% p.a. applies if you pay 10 out of 12 months, and 18% p.a. applies otherwise. This is in line with the maximum rate allowed under BNM's credit card regulations.
What balance transfer plans are available for the RHB Rewards Credit Card?
RHB offers four Smart Move Balance Transfer plans: Plan A at 4.88% p.a. for 6 months, Plan B at 4.88% p.a. for 12 months, Plan C at 5.88% p.a. for 24 months, and Plan D at 6.88% p.a. for 36 months. A minimum transfer of RM1,000 applies. Rates are subject to change; it is advised to verify current rates on the RHB website before applying.
What is the difference between LoyaltyPlus Points and Loyalty Points on RHB credit cards?
RHB restructured its rewards programme in April 2025. LoyaltyPlus Points are the premium tier, earned on elevated-rate categories such as overseas and travel spending, and carry a better conversion ratio for Enrich miles (8,000 LoyaltyPlus Points = 1,000 Enrich miles). Standard Loyalty Points are earned on other retail spend and require 10,000 points for the same 1,000 Enrich miles.
Is the RHB Rewards Credit Card a Shariah-compliant card?
Yes. The RHB Rewards Credit Card is available as a Shariah-compliant card under the "-i" designation (RHB Rewards Credit Card-i). It operates under Islamic financing principles and is offered alongside the conventional version. Both variants carry the same rewards structure and eligibility criteria.
How to redeem campaign gift?
Kindly refer HERE for the clear timeline on full application and gift redemption process
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