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RHB Premier Visa Infinite Credit Card — official card artworkVisa · Conventional
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RHB · MALAYSIA
Travel & milesBy invitation

RHB Premier Visa Infinite Credit Card

Min. annual incomeBy invitation
Principal annual feeRM0
Card networkVisaConventional card
View with bank ↗← All RHB cards
Apple PaySupported
Google PaySupported
Up to 12 visits · unlimited with RM100,000 annual spendSelected Plaza Premium Group lounges / Aerotel
BEFORE YOU FLY

Airport lounge access

Plaza Premium Lounge Program 2026

Up to 12 visits · unlimited with RM100,000 annual spend

Selected Plaza Premium Group lounges / Aerotel
Use viaPhysical eligible RHB card + boarding pass; no mandatory app stated
Qualifying spend & allocation
3 entries upon activation; previous-calendar-month eligible retail spend of RM1,000 unlocks 1 entry, up to 9 additional annual entries. Unlimited access after RM100,000 cumulative eligible calendar-year spend qualifies under the programme’s prior-month calculation; reaching it only in December does not create unlimited access that year.
Principal / supplementary
Principal AND supplementary cards can qualify, but spending and access quotas are calculated separately for EACH card. They cannot be pooled or transferred.
Guests
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 Malaysia and overseas locations in the Premier column of the official 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.

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 the linked card-specific list and your remaining entitlement before travelling. A lounge network logo does not mean every lounge or guest is free; entry remains subject to capacity and local rules.

THE DETAILS

Benefit breakdown

LoyaltyPlus Points

LoyaltyPlus Points
Eligible spendingPoints per RM1Qualification
Overseas foreign-currency retail8 LoyaltyPlusBelow RM10,000 total eligible statement-month spending
Overseas foreign-currency retail10 LoyaltyPlusAt least RM10,000 total eligible full statement-cycle spend
Eligible local airlines and hotels3 LoyaltyPlusQualifying travel MCCs
Eligible local travel transactions online3 LoyaltyPlusQualifying travel MCCs + online mode; recurring / auto debit / MOTO excluded
Other eligible local travel1 LoyaltyPlusRelevant travel MCCs

The higher overseas multiplier depends on full statement-cycle spending, not a generic calendar-month total.

Loyalty Points

Loyalty Points
Eligible local spendingPoints per RM1
Dining / duty-free / eligible online retail3 Loyalty
Other eligible retail1 Loyalty

One reward category applies per transaction; ordinary Loyalty Points are not interchangeable with LoyaltyPlus for preferential airline redemptions.

Airline conversion

Airline conversion
Reward balanceFor 1,000 Enrich PointsFor 1,000 KrisFlyer milesFor 1,000 BIG Points
LoyaltyPlus Points8,00014,0006,000
Loyalty Points15,00022,5008,500

Issuer’s separate-balance conversion table. Preferential LoyaltyPlus redemptions require enough LoyaltyPlus; ordinary Loyalty Points cannot simply top up the shortfall. Current partner availability and redemption blocks apply.

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% / 17% / 18% p.a. depending on prompt-payment history over the preceding 12 months.
Cash advance interest rate
18% p.a., calculated daily from cash release until full settlement.
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

Minimum annual income
Premier relationship / invitation; no general salary threshold published.
Principal minimum age
21 years
Supplementary minimum age
18 years
Documents
Identity and bank-requested income evidence. Salaried: EPF / payslips and bank / tax records. Self-employed: business registration, tax returns and bank statements. Foreign applicants need passport, employment / work-permit and address evidence.
Product access
By invitation and exclusive to qualifying RHB Premier Banking clients; relationship eligibility and card approval are separate bank decisions.

Payment plans

Smart Instalment Payment Plan

Smart Instalment Payment Plan
FacilityMinimum / tenureRate / condition
Merchant IPPRM500 minimum; up to 36 months at selected merchants0% on the participating merchant’s approved offer

Available term depends on merchant and transaction. Conversion facilities are separate from the card’s retail interest-free period.

Dial-An-Instalment 2026

Dial-An-Instalment 2026
TenureMinimum transactionUpfront fee / actual management chargeEffective rate p.a.
6 monthsRM5002.5%8.52%
12 monthsRM1,0005%9.10%
18 monthsRM1,0007%8.67%
24 monthsRM1,0009%8.41%

Published existing-cardholder campaign through 31 December 2026. Upfront fees are not annual interest rates. New-cardholder 0% offers require separate qualification.

CashXcess 2026

CashXcess 2026
TenureFlat rate p.a.Effective rate p.a.
12 months7.88%14.24%
24 months7.88%14.47%
36 months9.88%17.72%
48 months9.88%17.41%

Principal personal cardholder only; minimum RM1,000, up to 80% of available limit, subject to approval. Campaign ends 31 December 2026; commercial cards excluded.

Product features

Balance transfer
Smart Move Balance Transfer is available on eligible personal principal cards; rate, tenure and introductory offers follow the specific current application offer. The PDS states these rates are variable, not a permanent card benefit.
Points expiry
3 years under this card’s current terms, expiring at the end of the relevant month. Check the statement / RHB Rewards balance before expiry; airline miles follow the airline’s own rules after transfer.
Points administration
Supplementary-card points are credited to the principal account. RHB Superdeals / RHB Rewards show balances and redemption options; one transaction earns one category, not stacked multipliers.
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 RM2 million 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.
Premier Travel Concierge
Travel-planning assistance is available; transport, bookings and third-party services are not automatically free.
Product disclosure·Card terms·Terms apply

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