RHB Visa Infinite / Premier Infinite
5x Loyalty Plus points per RM1 overseas spend
Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
RHB Bank RHB Visa Infinite / Premier Infinite overview
The RHB Bank RHB Visa Infinite / Premier Infinite is a Infinite-tier Visa miles card built around air miles. 5x Loyalty Plus points per RM1 overseas spend. It best suits high-income earners, with a minimum income requirement of RM150,000 a year. It carries no annual fee. Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓5x Loyalty Plus points per RM1 overseas spend
- ✓1x Loyalty Plus point per RM1 on Airlines, Hotel & Travel spend; 1x Loyalty point per RM1 on other spend
- ✓Unlimited access to selected Plaza Premium Lounge & Aerotel (Malaysia + Singapore), or up to 12x elsewhere
- ✓Travel insurance up to RM2,000,000
- ✓Annual fee waived with min. RM150,000/yr spend
- ✓Separate invitation-only RHB Premier Visa Infinite (Premier Banking only) earns 5x on more categories and up to 10x overseas — a different product from this one
Is the RHB Visa Infinite / Premier Infinite worth it?
The RHB Visa Infinite / Premier Infinite is best suited to high-income earners — its minimum income requirement is RM150,000 a year (about RM12,500 a month). As a miles card, it works best for frequent flyers who will convert spending into air miles and redeem them for flights or upgrades.
- +Free for life — no annual fee
- +Complimentary airport lounge access
- +Complimentary travel insurance
- +Broad range of benefits and perks
- −Higher income requirement — RM150k a year
- −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
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 Visa Infinite / Premier Infinite, 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, JomPay/FPX/DuitNow, petrol, charity, government/court payments, or business/commercial spend.
- Foreign transaction fee
- Visa's own conversion rate on the processing date, plus a 1% RHB administration cost on the converted Ringgit amount.
- ⚠Points were split into two currencies effective 9 Apr 2025 — "Loyalty Plus Points" (travel categories) and "Loyalty Points" (everything else) — each may convert to Enrich at a different ratio; see the milesPerRM note on this card above
- ⚠Points are valid for 3 years, non-transferable, and have no cash redemption value
Verified 6 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 Visa Infinite / Premier Infiniteterms & product disclosure →RHB Visa Infinite / Premier Infinite FAQ
You need a minimum annual income of RM150,000 (about RM12,500 a month). RHB Bank also considers your overall credit standing.
No — the RHB Visa Infinite / Premier Infinite is free for life with no annual fee.
It earns air miles. 5x Loyalty Plus points per RM1 overseas spend.
No — the RHB Visa Infinite / Premier Infinite is a conventional credit card. Check with RHB Bank for any Islamic (card-i) equivalent.
It's a good fit for high-income earners who want air miles — its main draw is "5x Loyalty Plus points per RM1 overseas spend". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the RHB Visa Infinite / Premier Infinite 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.