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RHB Rewards Credit Card

Author
by MujizUpdated 11 Feb 2026
RHB Rewards Credit Card
Primary Reward TypeReward Points
Highest Multiplier10x
Min Annual IncomeRM24,000
Annual FeeRM200
Support
Apple Pay
Google Pay
Samsung Pay
RHBMastercard

For comparison purposes only. Final terms are determined by the issuing bank.

Review

A Split Rewards Card with Limited Practical Upside

The RHB Rewards Credit Card is an entry-level points card with a minimum annual income requirement of RM24,000. Its rewards structure is split into two separate systems: LoyaltyPlus Points for overseas spending, and Loyalty Points for local category-based spending.

Overseas transactions earn 4x LoyaltyPlus Points, while local spending earns Loyalty Points at varying rates, including up to 10x for cinema entertainment, 3x for online spend, and 2x for health, insurance, and shopping. While the headline multipliers appear attractive, the practical value is limited. High multipliers apply to low-frequency or low-ticket categories, and the effective cost per mile for Loyalty Points remains uncompetitive compared to other entry-level cards.

The card supports Apple Pay, Google Pay, and Samsung Pay. It carries an annual fee of RM200, waived for the first year and subsequently waived with a minimum annual spend of RM10,000.

Verdict: This card may appeal to users who prefer points over cashback and have occasional overseas spending. However, given its split rewards system and modest real-world value, there are generally more straightforward and rewarding alternatives within the same income bracket.

Pros

  • Low income requirement with Apple Pay, Google Pay, and Samsung Pay support

Cons

  • Split rewards system with limited high-value earning opportunities

Rewards Points

Base Points
CategoryMultiplierCap
Cinema Entertainment
10xLoyalty Point
Uncapped
Overseas spend
4xLoyaltyPlus Point
Uncapped
Travel (Online)
3xLoyaltyPlus Point
Uncapped
Online (Others)
3xLoyalty Point
Uncapped
Travel (Airlines/Hotel/Travel)
3xLoyaltyPlus Point
Uncapped
Health
2xLoyalty Point
Uncapped
Insurance
2xLoyalty Point
Uncapped
Shopping
2xLoyalty Point
Uncapped
All other retail spend
1xLoyalty Point
Uncapped
*

Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.

*

Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.

Points Conversion

RHB Loyalty Points
Loyalty Point
FFP Program
Miles
Points Required
Best CPM
RHB LoyaltyPlus Points
LoyaltyPlus Point
FFP Program
Miles
Points Required
Best CPM
*

Best CPM is calculated based on the highest earn rate available for each points program. A lower CPM indicates better value. Click on a row to see CPM at different earn rates.

*

Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.

Air Miles Calculator

Estimates use monthly category totals. Actual rewards may differ due to transaction-level rounding, merchant coding, exclusions, caps, and bank terms.

Monthly Spend

Enter eligible spend by category to estimate your miles.

Convert points to

Only programs supported by every points currency earned on this card are shown.

Air Miles Summary

Miles Equivalent
0miles
Total Spend
RM 0.00
Effective CPM
—
Transferable from These Points
0 miles
RHB Loyalty Points
0 Loyalty Point
RHB LoyaltyPlus Points
0 LoyaltyPlus Point
Overseas spend
RHB LoyaltyPlus Points
Earning
RM 0.00
No rewards earned
Reward
0 points
≈ 0 miles
Cinema Entertainment
RHB Loyalty Points
Earning
RM 0.00
No rewards earned
Reward
0 points
≈ 0 miles
Travel (Online)
RHB LoyaltyPlus Points
Earning
RM 0.00
No rewards earned
Reward
0 points
≈ 0 miles
Online (Others)
RHB Loyalty Points
Earning
RM 0.00
No rewards earned
Reward
0 points
≈ 0 miles
Health
RHB Loyalty Points
Earning
RM 0.00
No rewards earned
Reward
0 points
≈ 0 miles

Card benefits

No specific benefits listed.

Details

Product Details

Card Name
RHB Rewards Credit Card
Issue Bank
RHB
Network
Mastercard
Annual Fee
RM 200

Eligibility

Minimum Annual Income
RM 24,000
Minimum Age
(Principal) 21 Years Old
Max Age
No limit

Rates & Fees

Annual Fee
RM 200
Annual Fee Waiver
First year waived. From second year onwards, annual fee waived with minimum annual spend of RM10,000.
Interest Rate
Tier 1 - 1.25% per month or 15% per annum - Cardmembers who promptly settle their minimum repayment due for 12 consecutive months Tier 2 - 1.42% per month or 17% per annum - Cardmembers who promptly settle their minimum repayment due of at least 10 months or more in a 12-month cycle. The 12 months minimum repayment due cycle will not apply to new cardmember. Tier 3 - 1.50% per month or 18% per annum - Cardmembers who do not fall within the above categories.
Interest-Free Period
20 Days
Late Payment Charge
If the cardmember fails to pay the Minimum Monthly Repayment by the Payment Due Date, a late payment charge of 1% of the Card Account on the outstanding balance or RM10.00, whichever is higher, subject to a maximum of RM100.00 will be imposed and stated in the monthly statement.
Cash Advance Fee
5% of the transaction amount or a minimum of RM15.00, whichever is higher, will be charged on all cash withdrawals and licensed betting transactions. Any applicable taxes that may be imposed by the relevant authorities at any time and from time to time are applicable for these charges.
Overseas Transaction Conversion Fee
If a transaction is made in foreign currency, Mastercard or VISA, depending on which card is used, will convert the transaction into a Ringgit Malaysia equivalent at the conversion rate as determined by Mastercard or VISA as at the date it is processed by Mastercard or VISA. In addition, you will also pay the administration costs at 1% as shall be determined by us for the conversion of the transactions made in foreign currencies. Any applicable taxes imposed from time to time are applicable for these charges.
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