For comparison purposes only. Final terms are determined by the issuing bank.
Review
A Lounge-Centric Visa Infinite with Moderate Miles Value
The RHB Visa Infinite Credit Card is positioned as the highest-tier credit card available to non-Premier Banking customers, with a strong emphasis on airport lounge access and overseas spending. Cardholders earn 5x LoyaltyPlus points on overseas retail transactions, while all local retail spend earns a standard 1x rate.
The card’s most prominent feature is its Plaza Premium Lounge access structure. Cardholders are entitled to up to 12 complimentary lounge visits per calendar year, provided they meet a minimum retail spend of RM1,000 in the preceding calendar month for each visit. For users with higher annual spending, lounge access can be upgraded to unlimited access by meeting a RM100,000 annual retail spend requirement. Lounge access covers a wide range of countries, including Malaysia, Singapore, Hong Kong, Japan, Australia and several others.
In terms of rewards, LoyaltyPlus points can be converted into airline miles across multiple programmes. At current conversion rates, the effective cost per mile is approximately RM1.2 for AirAsia Rewards, RM2 for Malaysia Airlines Enrich, and RM2.8 for Singapore Airlines KrisFlyer. While these rates are serviceable, they are not market-leading and position the card more as a travel convenience card rather than a pure miles-optimisation tool.
Additional benefits include complimentary golf privileges at selected Malaysian golf courses and travel insurance coverage of up to RM2,000,000. The card also supports Apple Pay, Google Pay and Samsung Pay, offering full digital wallet compatibility.
With a minimum annual income requirement of RM150,000 and a waived annual fee, the ongoing holding cost is minimal once approved. This makes the card particularly attractive for frequent travellers who value lounge access consistency over maximising mileage returns.
Verdict: Best suited for high-income users who prioritise airport lounge access and overseas spending convenience. While the miles conversion rates are average, the absence of an annual fee and flexible lounge access model make it a solid lifestyle-oriented Visa Infinite card.
Pros
- 5x LoyaltyPlus points on overseas retail spending
- Plaza Premium Lounge access across multiple countries
- Option to unlock unlimited lounge access with RM100,000 annual spend
- No annual fee, resulting in low long-term holding cost
- Supports Apple Pay, Google Pay and Samsung Pay
Cons
- Local spending earns only 1x points
- Miles conversion rates are not market-leading
- Lounge access requires monthly or annual spending to unlock
- High minimum annual income requirement (RM150,000)
Rewards Points
Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Points Conversion
Best CPM is calculated based on the highest earn rate available. A lower CPM indicates better value.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Airport Lounge Access
Program Name
Plaza Premium Lounge
Annual Visits
Eligible users
Access type
Annual QualifyingRequirement
Annual renewal with min. spend RM 100,000 p.a.
Applicable locations:
Lounge access is subject to bank-defined terms and may change over time.
For the full lounge list, please refer to the relevant official website.