RHB Rewards Visa / Mastercard
5x Bonus Points per RM1 on dining, petrol & groceries
Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
RHB Bank RHB Rewards Visa / Mastercard overview
The RHB Bank RHB Rewards Visa / Mastercard is a Card-tier Mastercard points card built around rewards points. 5x Bonus Points per RM1 on dining, petrol & groceries. It best suits entry-level applicants and first-time cardholders, with a minimum income requirement of RM24,000 a year. It carries no annual fee.
Features & benefits
- ✓5x Bonus Points per RM1 on dining, petrol & groceries
- ✓1x Bonus Point per RM1 on all other spend
- ✓Redeem points for vouchers, merchandise & travel
- ✓Annual fee waived with min. RM12,000/yr spend
Is the RHB Rewards Visa / Mastercard worth it?
The RHB Rewards Visa / Mastercard is best suited to entry-level applicants and first-time cardholders — its minimum income requirement is RM24,000 a year (about RM2,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Free for life — no annual fee
- +Earns 1 reward point per RM1 spent
- +Low income requirement — accessible to first-time applicants
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
How much could you earn?
At 1 point per RM1, around RM2,000 of monthly spending earns about 2,000 points a month — redeemable for vouchers, gifts or air miles depending on the programme. This is illustrative; redemption value varies.
Eligibility & how to apply
Requirements are general guidance — RHB Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
Before you apply, read RHB Bank's official terms & Product Disclosure Sheet — the cashback caps, category exclusions and fees are all set out there.
📄 Official RHB Rewards Visa / Mastercardterms & product disclosure →RHB Rewards Visa / Mastercard FAQ
You need a minimum annual income of RM24,000 (about RM2,000 a month). RHB Bank also considers your overall credit standing.
No — the RHB Rewards Visa / Mastercard is free for life with no annual fee.
It earns 1 reward point per RM1 spent. 5x Bonus Points per RM1 on dining, petrol & groceries.
No — the RHB Rewards Visa / Mastercard is a conventional credit card. Check with RHB Bank for any Islamic (card-i) equivalent.
It's a good fit for entry-level applicants and first-time cardholders who want rewards points — its main draw is "5x Bonus Points per RM1 on dining, petrol & groceries". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the RHB Rewards Visa / Mastercard compares
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Rates, fees and promotions are indicative and time-limited — always confirm current terms with RHB Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by RHB Bank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.