RHB · Visa Infinite · Miles

RHB Visa Infinite

Good for

Spend abroad. 5 LoyaltyPlus points per RM1, about 0.5 Enrich miles per RM1.
No annual fee, for you and your supplementary cards, and up to RM2 million travel insurance.
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.

Needs RM150,000 a year in income.
Local spend earns 1 point per RM1: about 0.1 Enrich miles on flights, hotels and travel, and about 0.04 on everything else.
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	5 points per RM	0.5 miles per RM with Enrich, or 0.36 miles per RM with KrisFlyer.
Airlines (direct) in ringgit	1 point per RM	0.1 miles per RM with Enrich, or 0.07 miles per RM with KrisFlyer.
Hotels (direct) in ringgit	1 point per RM	0.1 miles per RM with Enrich, or 0.07 miles per RM with KrisFlyer.
OTAs (Agoda, Booking, Expedia) in ringgit	1 point per RM	0.1 miles per RM with Enrich, or 0.07 miles per RM with KrisFlyer.
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: 10,000 points for 1,000 miles Moved in blocks of 10,000 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: 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 administrative charge, on top of the card network's rate

Travel accident: Up to RM2 million
Travel inconvenience: Not listed RHB does not list this cover for this card.
Shopping and fraud cover: Not listed RHB does not list this cover for this card.

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 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

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