RHB Visa Signature
Premium perks without fees on the RHB Visa Signature
Eligibility
Minimum Monthly Income
RM 6,667 (RM 80,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Documents required to apply:
You will need to provide several documents such as (varies between different banks):
Salaried Employees (Malaysian)
- A copy of your IC (both sides)
- Recent 1-month payslip for MNC, 3 months' payslip for non-MNC
- Latest EPF statement
Self-Employed (Malaysian)
- A copy of your IC (both sides)
- Copy of M&A or Constitution (for limited company)
- Latest Notice Assessment and latest Tax Payment Receipt
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Waived for life
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Good for Cashback, No Annual Payments & Travel
Up to 6% cashback for Online, Entertainment & Shop spend Up to 2% cashback for Overseas spend 0.2% cashback for Other spend
Up to 6X access to Plaza Premium Lounges in Malaysia every year Up to RM600,000 travel insurance
RHB Smart Instalment - Convert your big purchases into flexible and affordable monthly instalments at 0% interest with up to 36 months of repayment tenures.
Enjoy as low as 4.88% p.a. interest for up to 36 months to repay and consolidate your debt from other credit cards with the RHB Smart Move Balance Transfer. The minimum transfer amount is only RM1,000.
Complimentary Green Fee at Kota Permai Golf & Country Club, Sungai Long Golf & Country Club, Tropicana Golf & Country Resort, Palm Garden Golf Club and Glenmarie Golf & Country Club Withdraw extra cash from your principal RHB Credit Card/-i via RHB CashXcess plan with interest rates as low as 7.88% p.a. Enjoy this offer until 31 December 2025. T&Cs apply!
Terms and Conditions
Product review by CompareHero
What Is the RHB Visa Signature Credit Card?
The RHB Visa Signature Credit Card is a premium cashback credit card designed for higher-income cardholders who frequently spend on online purchases, overseas transactions and lifestyle spending. With a minimum annual income requirement of RM80,000, the card offers tiered cashback based on your monthly spending, together with complimentary Plaza Premium Lounge access, golf privileges and travel insurance.
Benefits of the RHB Visa Signature Credit Card
- Earn up to 6% cashback on eligible domestic, overseas and online spending.
- Earn up to 2% cashback on eligible shopping transactions.
- Enjoy 0.2% unlimited cashback on eligible entertainment spending.
- Receive up to 6 complimentary Plaza Premium Lounge accesses in Malaysia each calendar year.
- Enjoy complimentary green fee privileges at selected golf clubs in Malaysia.
- Get complimentary travel insurance coverage of up to RM600,000.
How the Cashback Programme Works
Your cashback rate depends on your total monthly retail spending. Higher monthly spending unlocks higher cashback rates across eligible spending categories.
| Monthly Retail Spend | Domestic Local Spend | Overseas Spend | Online Spend | Entertainment | Shopping |
|---|---|---|---|---|---|
| RM1,000 – RM2,499 | 1% | 1% | 1% | 0.2% | 0.5% |
| RM2,500 – RM3,499 | 2% | 2% | 2% | 0.2% | 1% |
| RM3,500 and above | 6% | 6% | 6% | 0.2% | 2% |
Monthly Cashback Caps
| Spending Category | Monthly Cashback Cap |
|---|---|
| Domestic Local Spend | RM30 |
| Overseas Spend | RM30 |
| Online Spend | RM30 |
| Entertainment | Unlimited |
| Shopping | RM100 |
Cashback excludes cash advances, charity, government and petrol transactions, and is awarded on eligible Merchant Category Codes (MCCs) in accordance with the card's terms and conditions.
Cashback Categories
The RHB Visa Signature Credit Card rewards spending across a range of lifestyle categories.
- Online Spend – Eligible online purchases, including merchants such as Lazada, Zalora, AliExpress and other online retailers.
- Entertainment – Eligible entertainment spending under the Entertainment MCC, including GSC Cinemas, TGV Cinemas, KL Bird Park, Petrosains, Speedy and other participating entertainment outlets.
- Shopping – Eligible retail spending under the Shopping MCC, including Zara, H&M, Charles & Keith, Pedro and other participating retailers.
- Domestic and Overseas Retail Spend – Earn cashback on eligible local and overseas retail transactions based on your monthly spending tier.
Plaza Premium Lounge Privileges
The RHB Visa Signature Credit Card offers airport lounge privileges for eligible cardholders.
- Enjoy up to 6 complimentary Plaza Premium Lounge accesses in Malaysia each calendar year.
- Spend RM500 or more in the previous calendar month to qualify for each complimentary lounge access.
- Receive 25% off lounge access fees for accompanying guests at Plaza Premium Lounges in Malaysia.
- Enjoy 20% off Plaza Premium Lounge access worldwide, excluding Shanghai and Beijing.
Participating lounges offer complimentary food and beverages, high-speed Wi-Fi, flight information displays, newspapers, magazines and shower facilities.
Golf Privileges
Enjoy complimentary green fee privileges at selected golf clubs in Malaysia, including:
- Sungai Long Golf & Country Club
- Glenmarie Golf & Country Club
- Tropicana Golf & Country Resort
- Palm Garden Golf Club
Bookings and privileges are subject to the RHB Premium Cards Golf Privileges terms and conditions.
Travel Insurance
The RHB Visa Signature Credit Card includes complimentary travel insurance coverage of up to RM600,000, subject to the applicable policy terms and conditions.
Fees and Charges
The RHB Visa Signature Credit Card offers the following fees and charges:
- Principal annual fee: First year free.RM700 per year thereafter, waived with a minimum annual retail spend of RM100,000.
- Supplementary annual fee: Free.
- Government Service Tax: RM25 per card upon activation and every anniversary thereafter.
- Cash Advance Fee: 5% of the amount withdrawn or RM15, whichever is higher.
- Late payment charge: 1% of the outstanding balance, subject to a minimum of RM10 and a maximum of RM100.
- Minimum monthly payment: RM50 or 5% of the outstanding balance, whichever is higher.
Retail transactions are subject to RHB's tiered finance charges of 15% p.a., 17% p.a. or 18% p.a., depending on your repayment behaviour.
Eligibility Requirements
To apply for the RHB Visa Signature Credit Card, you must:
- Be 21 years old and above.
- Earn a minimum annual income of RM80,000.
Required Documents
Prepare the following documents when applying for the RHB Visa Signature Credit Card.
Identification documents
- MyKad or passport.
Income documents(submit the applicable documents)
- Latest salary slips.
- Latest EPF statement.
- Latest EA Form or tax documents.
- Other supporting income documents requested by RHB.
RHB may request additional supporting documents during the application process.
How to Apply
Compare the RHB Visa Signature Credit Card with other premium cashback credit cards on CompareHero and apply online if you meet the eligibility requirements. Eligible applicants may also enjoy exclusive sign-up offers, subject to the campaign's terms and conditions.