RHB Rewards Visa / Mastercard
10x points on cinema, 4x overseas, 3x online travel & general online spend
Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
RHB Rewards Visa / Mastercard overview
The RHB Bank RHB Rewards Visa / Mastercard is a Card-tier Mastercard points card built around rewards points. 10x points on cinema, 4x overseas, 3x online travel & general online spend. It best suits entry-level applicants and first-time cardholders, with a minimum income requirement of RM24,000 a year. It has an annual fee of RM200 (free 1st year; waived thereafter with min. rm10,000/yr spend).
Features & benefits
- ✓10x Loyalty Points/RM1 on cinema (MCC 7832)
- ✓4x on overseas (foreign-currency) spend
- ✓3x on online spend (airlines/hotel/travel & general online, card-present online modes only) — excludes recurring/auto-debit/MOTO
- ✓2x on health, insurance & shopping categories; 1x on everything else eligible
- ✓Petrol (MCC 5541/5542/5983) is explicitly excluded — earns no points at all
- ✓Annual fee waived 1st year; RM200/yr after, waived with min. RM10,000/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.
- +Annual fee waivable (free 1st year; waived thereafter with min. rm10,000/yr spend)
- +Earns 1 reward point per RM1 spent
- +Low income requirement — accessible to first-time applicants
- +Broad range of benefits and perks
- −RM200 annual fee unless the waiver condition is met
- −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
The catches most people miss on the RHB Rewards Visa / Mastercard, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- No points on CashXcess, Balance Transfer/Conversion, Cash Advance, instalment plans, Quasi Cash (gambling/betting, cryptocurrencies), annual fee/interest/late charges/CST, JomPay, FPX or DuitNow transactions. Also explicitly excluded by MCC: 5541/5542/5983 (petrol), 8398 (charity), 9211/9222/9223 (court costs/fines/bail) and other government-payment MCCs — same exclusion family as the bank's other cashback/points cards. No double-counting across categories.
- How the cap works
- No monthly points cap disclosed in the T&C — categories are rate-tiered (10x/4x/3x/2x/1x) rather than RM-capped. Points earned in a given month expire 3 years later (e.g. April 2025 earn expires 30 April 2028).
- Foreign transaction fee
- Not stated in the LoyaltyPlus Points T&C (covers points mechanics only) — not confirmed on the card's own product page either. Left unconfirmed rather than assuming RHB's general cardmember-agreement rate applies unchanged.
- Fee waiver
- First-year annual fee waived; RM200/year from year two, waived with minimum RM10,000 total spend in the year — per the official product page's own fee schedule.
- ⚠Petrol (MCC 5541/5542/5983) earns ZERO points — it's on the T&C's explicit exclusion list, not a bonus category as older site copy claimed
- ⚠The 3x online rate requires card-present-style online transaction modes (M/D/S/U) and explicitly excludes Recurring, Auto Debit and Mail/Telephone Order (MOTO) transactions
Verified 13 August 2026. Summarised in our own words from RHB Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 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.
The annual fee is RM200, but it can be waived: free 1st year; waived thereafter with min. rm10,000/yr spend.
It earns 1 reward point per RM1 spent. 10x points on cinema, 4x overseas, 3x online travel & general online spend.
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 "10x points on cinema, 4x overseas, 3x online travel & general online spend". Weigh the RM200 annual fee against how much you'll earn back. 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.