RHB Visa Signature Card

A Category-Focused Cashback Card for Active Spenders

The RHB Visa Signature Card is a tier-based cashback card designed for users with consistent monthly spending, particularly across online, shopping and entertainment categories. Cashback rates scale with total monthly spend, with the highest tier unlocked at RM3,500 per month.

At the top tier, cardholders earn 6% cashback on Online, Shopping and Entertainment transactions, each capped at RM30 per category. This allows for a maximum cashback of RM90 per month across the three core categories. Overseas spending earns up to 2% cashback, capped at RM100 per month, while all other eligible spend earns a flat 0.20% with no cap.

While the headline rates are attractive, achieving the maximum cashback requires deliberate spending distribution. Users must meet the RM3,500 monthly threshold and allocate sufficient spend across each capped category. Online spending is typically the easiest to fulfil, while Shopping and Entertainment depend more heavily on individual lifestyle patterns.

The card also offers up to 6 complimentary Plaza Premium Lounge visits per calendar year at selected Malaysian airports, including KLIA Terminal 1, KLIA Terminal 2, Penang and Langkawi. Each lounge visit requires a minimum spend of RM500 in the preceding calendar month. Additional benefits include complimentary local golf privileges and travel insurance coverage of up to RM600,000.

With a minimum annual income requirement of RM80,000 and a waived annual fee, the ongoing holding cost is minimal once approved. The card supports Apple Pay, Google Pay and Samsung Pay, offering full digital wallet compatibility.

Verdict: Best suited for users who can consistently meet the RM3,500 monthly threshold and actively spend across online, shopping and entertainment categories. Users seeking a similar tier-based cashback structure with a stronger focus on everyday or offline spending may also consider other cards within RHB’s lineup.