Mastercard · ConventionalRHB · MALAYSIA
RHB Rewards Mastercard Credit Card
Min. annual incomeRM24,000RM2,000 / month equivalent
Principal annual feeRM200
Card networkMastercardConventional card
THE DETAILS
Benefit breakdown
LoyaltyPlus Points
| Eligible spending | Points per RM1 | Conditions |
|---|---|---|
| Overseas foreign-currency retail | 4 LoyaltyPlus | Eligible foreign-currency transactions |
| Local airlines / hotels / travel paid online | 3 LoyaltyPlus | Eligible travel MCCs and online transaction mode; excludes recurring / auto debit / MOTO |
| Same local travel categories paid non-online | 1 LoyaltyPlus | Eligible local travel MCCs |
LoyaltyPlus and ordinary Loyalty Points are different balances with different airline conversion rates.
Loyalty Points
| Eligible local spending | Points per RM1 |
|---|---|
| Cinema (MCC 7832) | 10 Loyalty |
| Other eligible online retail | 3 Loyalty |
| Health + insurance | 2 Loyalty |
| Eligible shopping merchant codes | 2 Loyalty |
| Other eligible local retail | 1 Loyalty |
The cinema 10X multiplier earns ordinary Loyalty Points, not 10X LoyaltyPlus. Eligible categories are not additive on the same transaction; online excludes recurring, auto-debit and MOTO coding.
Airline conversion
| Reward balance | For 1,000 Enrich Points | For 1,000 KrisFlyer miles | For 1,000 BIG Points |
|---|---|---|---|
| LoyaltyPlus Points | 14,000 | 14,000 | 6,000 |
| Loyalty Points | 24,100 | 37,500 | 8,500 |
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
- RM200
- Supplementary annual fee
- Waived
- Annual fee waiver
- First year waived; subsequent RM200 principal annual fee waived with RM10,000 eligible annual spend. Supplementary: 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
- RM24,000
- 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.
- Availability
- Published product / family information retained. The current issuer catalogue does not separately establish new applications for this exact variant; confirm with RHB.
Payment plans
Smart Instalment Payment Plan
| Facility | Minimum / tenure | Rate / condition |
|---|---|---|
| Merchant IPP | RM500 minimum; up to 36 months at selected merchants | 0% 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
| Tenure | Minimum transaction | Upfront fee / actual management charge | Effective rate p.a. |
|---|---|---|---|
| 6 months | RM500 | 2.5% | 8.52% |
| 12 months | RM1,000 | 5% | 9.10% |
| 18 months | RM1,000 | 7% | 8.67% |
| 24 months | RM1,000 | 9% | 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
| Tenure | Flat rate p.a. | Effective rate p.a. |
|---|---|---|
| 12 months | 7.88% | 14.24% |
| 24 months | 7.88% | 14.47% |
| 36 months | 9.88% | 17.72% |
| 48 months | 9.88% | 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.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.