RHB Visa Infinite Credit Card

Min. annual incomeRM150,000RM12,500 / month equivalent

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 Singapore lounges in the Visa Infinite 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.

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

Points earning

Points earning
Eligible spending	Points per RM1
Overseas foreign-currency retail	5 LoyaltyPlus
Eligible local airline / hotel / travel merchant codes	1 LoyaltyPlus
Other eligible local retail	1 Loyalty

Excluded transactions do not earn points. A 5X LoyaltyPlus earn multiplier is not 5 airline miles per RM1.

Airline conversion

Airline conversion
Reward balance	For 1,000 Enrich Points	For 1,000 KrisFlyer miles	For 1,000 BIG Points
LoyaltyPlus Points	10,000	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: 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: RM150,000
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.

Payment plans

Smart Instalment Payment Plan

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

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

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.
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.

Product disclosure·Card terms·Terms apply

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