RHB · Visa Infinite · Miles

RHB Premier Visa Infinite-i By invitation

Earns: Up to 10 LoyaltyPlus Points per RM Spending in a foreign currency, from RM10,000 a month
Lounge: 3 visits a year Plaza Premium
Applications: By invitation
Annual fee: Free for life 1% overseas fee, lower than most

Good for

Spend abroad. 8 LoyaltyPlus points per RM1, about 1 Enrich mile, or 10 points (about 1.25 miles) in months you spend RM10,000.
No annual fee, for you and your supplementary cards.
3 Plaza Premium lounge visits a year, up to 12 with RM1,000 of monthly spend, and unlimited once you spend RM100,000 in a year.

By invitation only, for RHB Premier Banking members.
Other local spend earns 1 Loyalty point per RM1, about 0.07 Enrich miles per RM1.
Petrol, government payments and JomPAY earn no points.

LoyaltyPlus Points, per RM spent. Each row says what the points are worth.

Spending	Earns	Details
Spending in a foreign currency	10 points per RM	When you spend RM10,000 or more a month. 1.25 miles per RM with Enrich, or 0.71 miles per RM with KrisFlyer.
Spending in a foreign currency	8 points per RM	1 miles per RM with Enrich, or 0.57 miles per RM with KrisFlyer.
Airlines (direct) in ringgit	3 points per RM	0.38 miles per RM with Enrich, or 0.21 miles per RM with KrisFlyer.
Hotels (direct) in ringgit	3 points per RM	0.38 miles per RM with Enrich, or 0.21 miles per RM with KrisFlyer.
OTAs (Agoda, Booking, Expedia) online in ringgit	3 points per RM	0.38 miles per RM with Enrich, or 0.21 miles per RM with KrisFlyer.
Dining in ringgit	3 points per RM	0.2 miles per RM with Enrich, or 0.13 miles per RM with KrisFlyer.
Online shopping and Grab rides online in ringgit	3 points per RM	0.2 miles per RM with Enrich, or 0.13 miles per RM with KrisFlyer.
OTAs (Agoda, Booking, Expedia) in shops in ringgit	1 point per RM	0.13 miles per RM with Enrich, or 0.07 miles per RM with KrisFlyer.
Spending in ringgit	1 point per RM	0.07 miles per RM with Enrich, or 0.04 miles per RM with KrisFlyer.
Petrol, Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billers	Nothing

Enrich: 8,000 points for 1,000 miles Moved in blocks of 8,000 points.
KrisFlyer: 14,000 points for 1,000 miles Moved in blocks of 14,000 points.
Enrich: 15,000 points for 1,000 miles Moved in blocks of 15,000 points.
KrisFlyer: 22,500 points for 1,000 miles Moved in blocks of 22,500 points.

Airport lounges: 3 free visits a year Plaza Premium. 3 visits once you activate the card, plus 1 for each month after you spend RM1,000, up to 12 a year. Unlimited once you spend RM100,000 in a calendar year. Counted per card, not shared with supplementary cards. Malaysia and overseas, Aerotel included. The current program runs to 31 December 2026.
Overseas spending fee: 1% 1% RHB Islamic administrative charge, on top of the card network's rate

What it costs if you don't pay in full, or use it for cash.

Annual fee: Free for life No spending needed to keep it free.
Extra (supplementary) cards: No annual fee
Service tax: RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest: 15%, 17% or 18% a year An Islamic card (Commodity Murabahah, Tawarruq): these are effective profit rates, not compounded. They depend on how reliably you paid over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment: 5% of the balance, or RM50 Whichever is higher, plus any installments, unpaid past minimums, any amount over your limit and taxes.
Late payment: 1% of the balance, RM10 to RM100 Ta'widh (compensation), charged when the minimum payment is late.
Cash withdrawal: 5% fee, at least RM15 Plus 8% service tax on the fee, and an 18% a year profit rate from the day you take it out. No profit-free days.
Replacement card: RM50

Pay by phone: Apple Pay, Google Pay For Apple Pay, you can also add it from the RHB Mobile Banking app.
Card network: Visa Infinite