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RHB · Visa · Miles

RHB Rewards

Earns
0.29 miles per RM Overseas
Lounge
None
Min income
RM24,000 a year
Annual fee
RM200 Waived at RM10,000 spend a year
See it on RHB's site

Good for

  • Spend abroad. 4 LoyaltyPlus points per RM1, about 0.29 Enrich miles per RM1.
  • Cinema tickets earn 10 Loyalty points per RM1, about 0.41 Enrich miles per RM1.
  • Online flights, hotels and travel earn 3 LoyaltyPlus points per RM1, about 0.21 Enrich miles per RM1.

Watch out

  • Loyalty points convert at 24,100 to 1,000 Enrich miles, so other local spend earns about 0.04 miles per RM1.
  • Petrol, government payments and JomPAY earn no points.
  • No lounge access. The RM200 fee from the second year is waived only when you spend RM10,000 a year.

What it earns

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

SpendingEarnsDetails
Cinemas in ringgit10 points per RM 0.41 miles per RM with Enrich, or 0.27 miles per RM with KrisFlyer.
Spending in a foreign currency4 points per RM 0.29 miles per RM.
Airlines (direct) online in ringgit3 points per RM 0.21 miles per RM.
Hotels (direct) online in ringgit3 points per RM 0.21 miles per RM.
OTAs (Agoda, Booking, Expedia) online in ringgit3 points per RM 0.21 miles per RM.
Online shopping, Food delivery and Grab rides online in ringgit3 points per RM 0.12 miles per RM with Enrich, or 0.08 miles per RM with KrisFlyer.
Health / pharmacy in ringgit2 points per RM 0.08 miles per RM with Enrich, or 0.05 miles per RM with KrisFlyer.
Insurance in ringgit2 points per RM 0.08 miles per RM with Enrich, or 0.05 miles per RM with KrisFlyer.
Fashion, Department store and Offline shopping in ringgit2 points per RM 0.08 miles per RM with Enrich, or 0.05 miles per RM with KrisFlyer.
Airlines (direct) in shops in ringgit1 point per RM 0.07 miles per RM.
Hotels (direct) in shops in ringgit1 point per RM 0.07 miles per RM.
OTAs (Agoda, Booking, Expedia) in shops in ringgit1 point per RM 0.07 miles per RM.
Spending in ringgit1 point per RM 0.04 miles per RM with Enrich, or 0.03 miles per RM with KrisFlyer.
Petrol, Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billersNothing

Points and transfers

Enrich
14,000 points for 1,000 miles Moved in blocks of 14,000 points.
KrisFlyer
14,000 points for 1,000 miles Moved in blocks of 14,000 points.
Enrich
24,100 points for 1,000 miles Moved in blocks of 24,100 points.
KrisFlyer
37,500 points for 1,000 miles Moved in blocks of 37,500 points.

Travel

Airport lounges
None
Overseas spending fee
1% 1% RHB administrative charge, on top of the card network's rate

Fees and charges

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

Annual fee
RM200 Free the first year. Waived if you spend RM10,000 in a year.
Extra (supplementary) cards
Free
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 Depends 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 Charged when the minimum payment is late.
Cash withdrawal
5% fee, at least RM15 Plus 8% service tax on the fee, and 18% a year interest from the day you take it out. No interest-free days.
Replacement card
RM50

Who can apply

Income
RM24,000 a year or more
Age
21 or older

Other perks

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

Where this comes from