How to Choose the Best RHB Credit Card for You

RHB Bank offers a diverse range of credit card products to meet the varying needs of its customers. Known for their innovative features and customer-centric approach, RHB credit cards have gained prominence among Malaysians. Let’s explore how to choose the best RHB credit card for you.

Factors to consider when choosing a credit card

• Your spending habits

Go through your monthly finances and look at what you spend your money most on.

• Your financial goals

If you are trying to save money, you may want to choose an RHB credit card that offers low-interest rates and no annual fees.

• The rewards program

RHB credit cards offer a variety of rewards programs, such as cashback, travel rewards, and lifestyle rewards. Choose an RHB credit card with a rewards program that aligns with your spending habits and financial goals.

How to choose the best RHB credit card for you

Scroll through to compare and understand each card's details.

Points accumulation: RHB Limited Edition White Visa Rewards Credit Card

Offers Loyalty Points on a variety of spending categories, including groceries, travel, and shopping.

Perks:

• Up to 10X Loyalty Points on Cinema Entertainment Spend
• Up to 4X Loyalty Points on Overseas, online, health, shopping and other spend
• 0% p.a. Balance Transfer when you’re a new RHB Credit Cardholder

Eligibility:

• Minimum monthly income: RM2,000
• Annual fee: RM200 (No annual fee for your first year. Waive your annual fee when you spend at least RM10,000 yearly)

Special Promotion: 

Stand a chance to win a brand-new BYD Dolphin electric vehicle and earn daily cashback rewards of up to RM66 NOW until 31 December 2023 when you sign up and spend with RHB Limited Edition White Visa Rewards Credit Card.

Daily Cashback: RHB Shell Visa Credit Card

Offers a cashback rate of up to 12% on petrol spending at Shell stations.

Perks: 

• Earn up to 12% cashback on Shell petrol stations, capped at RM50 monthly
• Earn up to 5% cashback on online, supermarket, utility bills and top-up e-wallet spend. All categories are capped monthly at RM50 combined.
• Get 0.2% cashback on all other spending, with no cap

Eligibility:

• Minimum monthly income: RM2,000.
• Annual fee: RM195 (No annual fee for the first year. Waive your annual fees when you swipe your card for at least 24X every year).

Related: The Best Petrol Credit Cards For Malaysians

Travel Junkie: RHB World Mastercard Credit Card

Perks:

• Up to 6% Cashback for Travel, Petrol & Dining spend
• Up to 2% Cashback for Overseas spend and 0.2% Cashback for Other spend
• 5X access to Plaza Premium Lounges in Malaysia
• As an RHB World Mastercard Cardholder, you also enjoy access and benefits across the finest golf clubs in Selangor, Malaysia
• Up to RM600,000 travel insurance

Eligibility:

• Minimum monthly income: RM6,667
• Annual fee: RM0 (Waived for life)

Additional Benefits for all RHB Credit Cards:

• Smart Pay

Features that can help you to automate your monthly Telekom, Maxis, Digi, Astro and other bills.

• Smart Move

Balance transfer from any other card!

• Smart Installments

Enjoy 0% interest for up to 36 months at selected merchants.

• CashXcess

Use this feature to withdraw cash from your credit card with attractive rates and a repayment period of up to 36 months.