RHB Platinum Business Credit Card

Min. annual incomeBusiness assessment

Principal annual feeRM0

Card networkMastercardConventional card

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Up to 6 visits / calendar yearSelected Plaza Premium Group lounges / Aerotel

BEFORE YOU FLY

Airport lounge access

Plaza Premium Lounge Program 2026

Up to 6 visits / calendar year

Selected Plaza Premium Group lounges / Aerotel

Spend & visit rules: 1 entry upon activation; RM500 eligible retail spend in the previous calendar month unlocks 1 further entry, up to 5 additional entries per year (6 total).
Who can enter: Principal AND supplementary cards can qualify, but spending and access quotas are calculated separately for EACH card. They cannot be pooled or transferred.; No automatic free guest entry. Accompanying adults and excess visits: 25% off Malaysian PPG walk-in rates; overseas PPG discount 20%, subject to programme / outlet terms.
Where it works: Selected Malaysian lounges in the Signature / World / Business Platinum column; no blanket worldwide free access.
Kuala Lumpur International Airport
Terminal International departures Domestic departures
KLIA T1 ✓ Listed – Outside coverage
KLIA T2 Public area · verify Public area · verify
At T2, the listed Plaza Premium Lounge is on Level 2M at Gateway@klia2, before immigration and security. Check the card’s boarding-pass rules.
How to enter: Travel documents Valid boarding pass. Bring your passport for international departures and overseas lounges.
Lounge credential Physical eligible RHB card + boarding pass; no mandatory app stated

Kuala Lumpur International Airport
Terminal	International departures	Domestic departures
KLIA T1	✓ Listed	– Outside coverage
KLIA T2	Public area · verify	Public area · verify

Entry steps & validity

Present physical eligible card and a matching boarding pass for entitlement checks. Activate new / replacement cards at least 7 working days before travel; renewal access balances carry forward. Typical listed lounge entitlement is 3 hours; selected Aerotel / resting-suite offers are 1 hour for one person, as shown in the location list.

1 January – 31 December 2026. Unused access does not carry forward to the next year. Retail qualification uses posted amounts; original eligible IPP / DAI purchases count, subsequent monthly instalment postings do not.

View eligible lounges Qualification & entry rules

Check your remaining visits and the card’s participating lounge list before travel.

THE DETAILS

Benefit breakdown

Business cashback

Business cashback
Eligible retail spending	Rate	Cap
Local business retail	0.5%	Uncapped
Overseas foreign-currency business retail	1%	Uncapped

Cash advances, petrol, government, charity and excluded bill-payment / transfer transactions do not earn retail cashback; corporate and Platinum Business exclusions follow their respective terms.

Fees & charges

Principal annual fee: RM0
Supplementary annual fee: Waived
Annual fee waiver: Principal and supplementary annual fees waived.
Service tax: RM25 per principal and supplementary credit card annually; annual-fee waiver does not waive this tax.
Retail finance rate: 15% p.a., calculated daily on unsettled balances.
Cash advance interest rate: 15% p.a. for Platinum Business cash advances.
Cash advance fee: Higher of 5% of withdrawal or RM15, plus applicable service tax (8% on the fee).
Minimum monthly payment: Higher of 5% of outstanding balance or RM50, plus monthly instalments, unpaid previous minimums, over-limit amounts and applicable card / other taxes.
Late payment charge: Higher of RM10 or 1% of outstanding balance; maximum RM100.
Overseas conversion: Visa / Mastercard conversion rate plus 1% bank administration charge; applicable taxes may apply.
Interest-free retail period: 20 days from statement date when the full previous statement is paid on time; not applicable to cash advances, balance transfers or instalment facilities.
Replacement card: RM50 per card.

Requirements

Applicant group: Business / corporate credit assessment; personal salary alone does not determine eligibility.
Documents: Company registration, financial / banking information, authorised signatories and nominee identity documents, as requested by RHB.

Product features

Transaction classification: Spending and bonuses use eligible posted transactions, merchant codes and transaction modes. Fees, tax, cash / quasi-cash, transfers, reversed transactions and other exclusions do not automatically qualify; each programme has its own exclusions.
Golf privileges 2026: Eligible principal / supplementary cardholder must spend RM5,000 in the latest statement. Complimentary green fees at participating Malaysian clubs: up to 1 game per calendar month / 12 per year, subject to card / club availability. Book via RHB Priority Line at least 7 working days ahead on weekdays or 10 for weekends / public holidays; not more than 21 days ahead. Buggy, caddy, insurance, administration and guest charges remain payable. Programme ends 31 December 2026.
Golf cancellation: Cancellation within 7 working days, no-show or late arrival may cost RM300 or the total golf charges, whichever is higher. Handicap / golfer-insurance and minimum-player rules apply.
Travel insurance: Advertised maximum RM600,000 travel accident cover when the full eligible travel fare is charged to this card. The policy defines insured cardholder / family, eligible trips, claim windows and exclusions; this sum is not every benefit’s payout.
Travel-inconvenience sub-limits: Policy benefits include up to RM500 for qualifying flight delay / cancellation / missed connection, RM500 baggage delay and RM1,000 baggage loss, subject to specific event definitions and proof.
Business-specific pricing: Platinum Business has its own 15% retail / cash-advance rate and waived annual fee under the current PDS. It is not the RM150 Corporate Credit Card product.

Product disclosure·Card terms·Terms apply

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.