RHB · Visa · Miles

RHB Rewards-i

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.

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.

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

Spending	Earns	Details
Cinemas in ringgit	10 points per RM	0.41 miles per RM with Enrich, or 0.27 miles per RM with KrisFlyer.
Spending in a foreign currency	4 points per RM	0.29 miles per RM.
Airlines (direct) online in ringgit	3 points per RM	0.21 miles per RM.
Hotels (direct) online in ringgit	3 points per RM	0.21 miles per RM.
OTAs (Agoda, Booking, Expedia) online in ringgit	3 points per RM	0.21 miles per RM.
Online shopping, Food delivery and Grab rides online in ringgit	3 points per RM	0.12 miles per RM with Enrich, or 0.08 miles per RM with KrisFlyer.
Health / pharmacy in ringgit	2 points per RM	0.08 miles per RM with Enrich, or 0.05 miles per RM with KrisFlyer.
Insurance in ringgit	2 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 ringgit	2 points per RM	0.08 miles per RM with Enrich, or 0.05 miles per RM with KrisFlyer.
Airlines (direct) in shops in ringgit	1 point per RM	0.07 miles per RM.
Hotels (direct) in shops in ringgit	1 point per RM	0.07 miles per RM.
OTAs (Agoda, Booking, Expedia) in shops in ringgit	1 point per RM	0.07 miles per RM.
Spending in ringgit	1 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 billers	Nothing

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.

Airport lounges: None
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: 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 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