RHB Credit Cards

With just a minimum income requirement of RM2,000 per month, you can own an RHB credit card and enjoy up to 10% cash back when you spend on everyday essentials like petrol, dining, utilities, grocery, online dining/grocery delivery and other categories. Plus, no annual fees!

• How can I apply for an RHB credit card?

  Simply apply online with iMoney. Select the credit card you want and fill in your contact details in the form provided. Our representative will contact you to guide you through the application process.

• What is the interest rate for RHB credit cards?

  RHB credit card interest rates follow the tiered structure set by Bank Negara Malaysia (BNM), ranging from 15% to 18% per annum. Cardholders who consistently pay their balance in full and on time are eligible for the lower 15% tier.

  Those with irregular repayment history are charged up to 18% p.a. Interest is calculated on a daily basis on the outstanding balance.

  No interest is charged if the full outstanding balance is paid within the 20-day interest-free grace period after each statement date.

• What is the minimum income required for an RHB credit card?

  The minimum income requirement for an RHB credit card varies by card tier. Entry-level cards such as the RHB Cash Back Credit Card/-i and RHB Shell Visa Credit Card/-i require a minimum monthly income of RM2,000 (RM24,000 per year).

  Mid-tier cards including the RHB Visa Signature and RHB World Mastercard require a minimum monthly income of RM6,667.

  Premium cards such as the RHB Visa Infinite and RHB Premier Visa Infinite require a minimum monthly income of RM12,500.

  Expatriate applicants may be subject to different income thresholds, and are advised to confirm directly with RHB.

• What documents do I need to apply for an RHB credit card?

  The documents required for an RHB credit card application depend on your employment type.

  For Salaried employees:

  • Provide a copy of their MyKad (both sides)
  • The latest EPF statement or the most recent three months' salary slips
  • The latest BE form with official tax receipt or latest EA form
  • Up to three months of bank statements. 

  Self-employed applicants:

  • Provide a copy of their MyKad (both sides)
  • A photocopy of the Business Registration form
  • Either six months of bank statements or the latest Form B with official tax receipt

  Expatriate applicants:

  • Provide a copy of their passport
  • Three months' salary slips
  • A work permit valid for at least six months at the time of application
  • A letter of employment.

  Applying through iMoney allows you to complete your initial application online.

• Which RHB credit card is best for cashback?

  The best RHB credit card for cashback depends on your spending pattern. 

  Type of Spend	Card	Benefits	Income requirement	Annual Fee
  Best for Petrol spend	RHB Shell Visa Credit Card/-i	12% cashback at Shell stations	RM2,000	No annual fee*
  Best for General spending	RHB Cash Back Credit Card/-i	10% cashback (6 categories)	RM2,000	No annual fee*

  *minimum spend condition

  For petrol, the RHB Shell Visa Credit Card/-i offers up to 12% cashback at Shell stations, making it the highest petrol cashback rate among RHB cards.

  For broader everyday spending, the RHB Cash Back Credit Card/-i offers up to 10% cashback across six categories: petrol (any station), dining, groceries, online food delivery, utilities, and online shopping.

  Both cards have a minimum monthly income requirement of RM2,000 and no annual fee when you meet the minimum spend condition.

• Which RHB credit cards have no annual fee?

  Several RHB credit cards offer a lifetime annual fee waiver or a conditional annual fee waiver. 

  No Annual Fee For Life	Conditional Annual Fee Waiver	Waiver Conditions
  RHB Visa Signature Credit Card	RHB Cash Back Credit Card/-i	Minimum annual spend of RM10,000,  or make a minimum of 24 card swipes per year
  RHB World Mastercard Credit Card/-i	RHB Shell Visa Credit Card/-i
  RHB Visa Infinite Credit Card

  The RHB Visa Signature Credit Card, RHB World Mastercard Credit Card/-i, and RHB Visa Infinite Credit Card all carry no annual fee for life with no minimum spend requirement.

  The RHB Cash Back Credit Card/-i and RHB Shell Visa Credit Card/-i waive the annual fee when you meet a minimum annual spend of RM10,000 or make a minimum of 24 card swipes per year respectively.

  Check the Product Disclosure Sheet of each card for the exact waiver condition.

• What is the minimum monthly repayment for an RHB credit card?

  The minimum monthly repayment for RHB credit cards is 5% of the current outstanding balance or RM50, whichever is higher. Paying only the minimum amount will result in interest charges being applied to the remaining balance.

  A late payment charge of 1% of the total outstanding balance (minimum RM10, maximum RM100) applies if the minimum payment is not received by the due date.

  To avoid all interest and penalty charges, pay the full outstanding balance by the payment due date each month.

• What are the RHB Smart Move Balance Transfer interest rates?

  RHB credit card offers more financial flexibility with 0% p.a. Smart Move Balance Transfer to help you take control of your finances.

  With easy payment plans, RHB Smart Instalment gives you the option to repay your retail expenditures in monthly instalments for up to 36 months at 0% interest with 800 participating merchants.

  Plus, with RHB Smart Pay plan, you will never miss and avoid the hassle of rushing to pay your bills to various telco and insurance participating merchants.

  RHB Smart Move Balance Transfer offers tiered interest rates based on the repayment tenure you select. 

  Tenure	Interest Rate (per annum)
  6 Months	4.88% p.a.
  12 Months	5.88% p.a.
  24 Months	6.38% p.a.
  36 Months	6.88% p.a.

  The minimum transfer amount is RM1,000, and the maximum is 80% of your RHB card's available credit limit. There are no upfront handling fees. These rates apply to balances transferred from other banks' credit cards to your RHB credit card.

• Which RHB credit cards are Shariah-compliant?

  RHB offers Islamic credit card options across its lineup, denoted by the '-i' suffix. Shariah-compliant variants include the RHB Cash Back Credit Card-i (available in both Visa and Mastercard), the RHB Shell Visa Credit Card-i, the RHB Rewards Credit Card-i (Visa and Mastercard), and the RHB World Mastercard Credit Card-i.

  These cards operate under Shariah principles and do not charge conventional riba-based interest. They carry the same cashback and rewards features as their conventional equivalents.

  You can filter for Islamic credit cards on the iMoney comparison tool above.

• What airport lounge access do RHB credit cards offer?

  Airport lounge access is available on four RHB credit cards. The RHB Visa Signature provides 6 complimentary Plaza Premium Lounge visits at KLIA per year, with a 25% discount for additional visits and a 20% discount for guest entry.

  The RHB World Mastercard provides 5 complimentary Plaza Premium Lounge passes per year. The RHB Visa Infinite offers unlimited lounge access at Plaza Premium Lounges in Malaysia and Singapore for cardholders who spend a minimum of RM100,000 per year, or 12 visits per year on a minimum prior-month spend of RM1,000.

  The RHB Premier Visa Infinite provides the most extensive access, covering Malaysia, Singapore, and selected international lounges globally.

• What is the RHB Rewards LoyaltyPlus Points programme?

  The RHB LoyaltyPlus Points programme is RHB's two-tier rewards system, restructured in April 2025. It consists of the following:

  • LoyaltyPlus Points (premium points earned on travel-related spending, overseas retail transactions, and cinema tickets)
  • Loyalty Points (standard points earned on all other eligible retail spending)

  LoyaltyPlus Points earn at 8x per RM1 on overseas retail spending, rising to 10x when you spend RM10,000 or more in a month.

  Local airline purchases, hotel bookings, and travel-related expenses earn 3x LoyaltyPlus Points per RM1.

  Points are valid for three years from the date they are earned and can be redeemed for air miles, vouchers, electronics, and over 8,000 products via RHB Superdeals.