5 RHB Travel Credit Cards Worth Getting in 2026 & the Smart Way to Use Them

Whether you’re a high spender or just starting out, an RHB travel credit card could be your ticket to a more comfortable journey.

Think unlimited global lounge access for those long layovers, or the peace of mind that comes with travel insurance.

Plus, for the miles chasers, you can rack up Loyalty points to redeem air miles from Malaysia Airlines, Singapore Airlines or AirAsia.

That said, while RHB credit cards are great for its perks, there are better ways to save while you travel.

We'll also introduce the Wise card, a handy travel companion to make seamless card payments when you're overseas.

Top RHB Travel Cards (2026 Comparison)

While your RHB travel credit card is brilliant for racking up miles, using it for every coffee or souvenir overseas is a quick way to lose money to 1% admin fees.

And if you pay for big-ticket items, that can really add up.

Let’s give an example of an expensive activity like skydiving in Australia on holiday and paying $550 AUD.

As seen on 4th February 2026

If you already hold AUD with Wise, you will pay like a local with zero hidden fees.

That nearly RM 20 you just saved? That could be your next ayam penyet delivery sorted back home.

In any case, you can still get the best of both worlds. You can always use your RHB credit card for its perks like lounge access and earning miles, and Wise for spending at the mid-market exchange rate.

Speaking of which, you can check the real-time mid-market rate below:

Which RHB Travel Card is Right for You?

1. RHB Premier Visa Infinite & Premier Visa Infinite-i

• Best for: High-net-worth RHB Premier Banking members (by invitation).
• Lounge access: Unlimited global access (Plaza Premium/Aerotel) with RM100k annual spend, or 12 visits with RM1k monthly spend.

This is RHB’s most exclusive tier, available only to Premier Banking members. It includes an Islamic version (Premier Visa Infinite-i) that offers identical, Shariah-compliant rewards.

You can earn up to 10x LoyaltyPlus points on overseas spend and 3x on hotels, airlines, and travel.

2. RHB Visa Infinite Card

• Best for: High earners (RM150k p.a. income) frequenting Malaysia and Singapore.
• Lounge access: Unlimited Malaysia/Singapore access with RM100k annual spend, or 12 visits with RM1k monthly spend.

Unlike the Premier version, this card is open to applicants meeting the income threshold.

It provides a solid safety net with travel insurance coverage up to RM2 million. For every RM1 spent overseas, you’ll rack up 5x LoyaltyPlus points.

3. RHB World Mastercard & World Mastercard-i

• Best for: Optimising household petrol, dining, and travel expenses.
• Lounge access: 6 complimentary visits in Malaysia (with a RM500 monthly spend), plus 25% guest discounts locally and 20% off lounges globally.

This card prioritises cashback over miles and includes a Shariah-compliant version.

You can earn 6% cashback on petrol, travel, and dining (capped at RM30/month per category) and up to 2% on overseas spend (capped at RM100/month).

4. RHB Visa Signature Card

• Best for: Online shoppers and fashion enthusiasts.
• Lounge access: 6 complimentary visits in Malaysia (with a RM500 monthly spend) and 20% off lounges worldwide.

Similar to the World Mastercard, this card offers 6% cashback but focuses on fashion, entertainment, and online spend.

Overseas retail transactions earn up to 2% cashback, capped at RM100 per month.

5. RHB Rewards Credit Card & Rewards-i

• Best for: Entry-level users (RM24k p.a. income) building points for future trips.
• Lounge access: None.

If you are a frequent moviegoer, this card is a great companion.

It offers 10x Loyalty points on cinema and entertainment, while overseas spend earns you 4x LoyaltyPlus points to redeem for future holiday miles.

Bonus: RHB Multi-Currency Visa Debit Card & Debit-i⁶

• Best for: Travellers who want to store and spend in 33 foreign currencies without conversion fees.
• Lounge access: None.

While not a credit card, this debit option is a strong travel hack for its zero-fee transactions in supported currencies. However, non-supported currencies or DCC payments trigger a 1% fee from your RM account. For broader support, the Wise card covers 40+ currencies at the mid-market rate with no sneaky admin fees.

Miles & Rewards: Maximising Your Enrich Points

It has now become better than ever to redeem RHB Loyalty and LoyaltyPlus points for Malaysia Airlines’ Enrich miles.

Here is what you can earn per card. The conversion rates depend on your card tier:

• RHB Premier Visa Infinite: 8,000 points = 1,000 Enrich miles.
• RHB Visa Infinite: 10,000 points = 1,000 Enrich miles.
• All other RHB cards: 14,000 points = 1,000 Enrich miles.

Since 1 January 2026, Malaysia Airlines has spruced up its Enrich loyalty programme.

So, there’s more of an incentive to earn more miles using RHB cards. Silver, Gold, and Platinum tiers on flights have higher point-earning rates. Take a look below:

Airport Lounge Access & Travel Perks (2026 Update)

To streamline your travel, make use of the Plaza Premium Group’s Smart Traveller App. It basically centralises lounge upgrades, redemptions, and vouchers. You can also earn in-app points to redeem for future lounge passes.

Pairing this app with an RHB travel credit card also maximises your value. Here are some of the best cards for free lounge passes below:

• Premier Visa Infinite: Offers the widest global lounge network access.
• Visa Infinite: Limited to selected lounges in Malaysia and Singapore.
• World Mastercard & Visa Signature: Provides 6 annual lounge visits within Malaysia.

Spending Smart with Both RHB and Wise

Master your travel spending by using the right card for the right task.

Use your RHB card’s perks to secure lounge access or redeem LoyaltyPlus points for a Business Class upgrade.

Once you land, switch to your Wise card. You’ll bypass sneaky admin fees and Dynamic Currency Conversion (DCC) traps, paying only the real mid-market exchange rate at restaurants and shops. It’s the ultimate way to enjoy luxury perks without the hidden costs.

Stretch Your Travel Budget with the Wise Card

The Wise card lets you spend in 40+ currencies at the mid-market rate including CNY, JPY, GBP, and SGD so you know you'll be getting a great deal in over 150+ countries. Simply create a free Wise account, order a card and top-up MYR to get started.

Virtual cards are free and can be added to your Google or Apple Pay wallet, while a physical Wise card can be ordered for a low fee of 13.7 MYR. Having a physical Wise card allows you to make chip and pin payments, as well as two free ATM withdrawals to the value of 1,000 MYR each month, before low fees start.

While abroad, you can choose to spend with directly in MYR and let auto-conversion do the trick, or convert to your desired currency with your Wise account. Either way, you’ll get the exchange rate you see on Google, with low, transparent fees from 0.77%.

💳 Get your Wise card today

Frequently Asked Questions

What is the benefit of an RHB World credit card?

The RHB World Mastercard is excellent for people who spend heavily on petrol and dining out in Malaysia, as you’ll receive up to 6% cashback on those categories. Cardholders also get up to 6 complimentary lounge visits in Malaysia per year, so you’ll be able to relax in the airport lounge before a flight.

How to activate an RHB credit card for overseas use?

RHB credit cards are typically auto-activated for overseas use, but in the event it’s not, you’ll have to log into your RHB account on the bank’s website, and toggle overseas activation and Card-Not-Present (CNP) transactions on under Manage Card Settings.

Which RHB credit cards offer free airport lounge access in Malaysia?

The RHB Premier Visa Infinite, RHB Visa Infinite, RHB World Mastercard and RHB Visa Signature credit cards all offer some level of free airport lounge access in Malaysia.

What is the overseas charge of an RHB credit card?

Most RHB credit cards have a 1% admin fee on transactions made in foreign currencies.

How to waive my RHB credit card annual fee?

Most RHB credit cards have their annual fees for the principal card waived automatically.

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Sources:

1. RHB Premier Visa Infinite Credit Card
2. RHB Visa Infinite Credit Card
3. RHB Visa Signature Credit Card
4. RHB World Mastercard Credit Card
5. RHB Rewards Credit Card
6. RHB Multi-Currency Visa Debit Card