RHB Premier Visa Infinite

Refined Points Metric (RPM): 5.0

Recommendation: Consider

Annual Fee

Airport Lounge Access

Unlimited Access
International Lounges
Supplementary Access

Annual Income

RM150,000 per annum
RHB Premier Customers Only

Airline Miles Earn Rate

Local: 1 Airline Mile = RM8.00

Overseas: 1 Airline Mile = RM1.00

Hotel/Dining/Online: 1 Airline Mile = RM2.67

Payment Network

Review | RHB Premier Visa Infinite

The RHB Premier Visa Infinite credit card is RHB's top of the line credit card offering, and is free-for-life without conditions, so if you're someone that's looking to leverage on this, read on.

Despite being an invitation-only credit card exclusive for RHB Premier customers, you'll actually be surprised to see the credit card's popularity. I recall seeing this card being used at airport lounges constantly, and with unlimited lounge access, for good reason. I'll speak more about this below, but for now, let's talk about airline miles conversion.

The RHB Premier Visa Infinite used to have one of the best airline miles earning rates in the industry, rivaled only by top-tier credit cards from Maybank. However, the recent devaluation has left much to be considered.

Once again, as with all my reviews, I intentionally omit any details that aren't relevant to travel-related benefits. For the full list of benefits, you can visit RHB's website here.

Air Miles Conversion

Let's dive into the local spend category for the RHB Premier Visa Infinite credit card.

RHB grants you Reward Points based on the category of spend (based on MCC). Several MCCs grant you more Reward Points, such as dining and online spend. More and more credit cards are now utilizing this strategy in their points system, whereby more credit card points are rewarded for spend on specific categories.

As I've mentioned in several of my other credit card reviews, some MCCs are more important than others. For example, I don't particularly find additional Reward Points for Hotel Spend particularly attractive, given that the average consumer doesn't spend most of his/her time at hotels!

On the flip side, I'm always happy to see extra points being rewarded for spend on dining, since this is the most widely swipe MCC category. Unless explicitly stated otherwise, Dining Spend should also account for cafes, bakeries, and other F&B establishments, and not just restaurants.

Now, besides that, the RHB Premier Visa Infinite also grants you 3X Reward Points for Online Spend. I know what most of you reading are thinking: E-Wallets. The HSBC Visa Signature has a similar points structure awarded to online spend, where additional reward points are awarded for reloading E-Wallets. However, I must state clearly that this not the case for the RHB Premier Visa Infinite.

The term "Online Spending" used in the RHB Premier Visa Infinite does not apply to E-Wallets. You only earn 3X reward points by using your RHB Premier Visa Infinite to directly purchase online goods on platforms like Shopee or Lazada. However, if you reload your Shopee and Lazada using your credit card, you do not earn 3X reward points. At the time of writing, this is stated by numerous forum posts on Lowyat forum, so thread carefully if you still intend to use your credit card for reloading purposes.

Moving on to Overseas Spending, the RHB Premier Visa Infinite has one of the best airline miles earning rates in the industry, with 1 Enrich Mile costing you RM1.00.

This stellar earning rate beats the likes of the CIMB Travel World Elite, which has an annual income requirement of RM250,000, and the Maybank 2 Cards Premier, which has an annual income requirement of RM100,000.

I can see this credit card being popular for RHB Premier customers with children studying overseas. Besides this, unless the cardholder spends most of his/her time travelling or working abroad, there are other better credit cards to consider.

However, if you are not keen on earning Enrich Miles and prefer to earn KrisFlyer miles, there are better credit cards to consider.

As of March 2024, the UOB PRVI Miles Elite credit card stands strong with 1 Airline Mile = RM0.90. This is a significant earning rate, especially since we are talking about KrisFlyer Miles, which are generally considered much more valuable than Enrich Miles these days.

Of course, using the RHB Premier Visa Infinite credit card abroad also means that you'll be charged an international transaction fee for each transaction, and based on experience, Visa's fees are slightly higher than Mastercard's, so expect to pay around 1-2% more per transaction.

Be sure to check out my Ultimate Guide and KrisFlyer Ultimate Guide for comparisons on the airline miles earning rates for various credit cards.

Airport Lounge Access

RHB has a very black-and-white lounge access policy for its Premier Visa Infinite cardholders, and it makes perfect sense considering this credit card appeals to the highest end of RHB's customer base.

Number of Lounge Access Passes: Unlimited Access
Supplementary Access: Yes
Spend Conditions: RM100,000 annually

Let's be honest. If you're a cardholder for the RHB Premier Visa Infinite credit card, achieving RM100,000 of spend per annum isn't a futile task. Given the lounge access policy by RHB, you'll be entitled to unlimited access to Plaza Premium's network of lounges globally.

A quick check on RHB's list of lounges shows that the list is decent, including most of Plaza Premium's lounges around ASEAN while also including popular destinations such as London Heathrow airport. However, the lounge list is definitely not as extensive as Ambank's or CIMB's list, despite all three banks providing access to Plaza Premium's network of lounges.

List of Eligible Lounges for RHB Premier Visa Infinite in ASEAN (As of March 2024):

Interestingly, RHB does not grant access to other lounges at Singapore Changi Terminal 2 and Terminal 3, noticeably the SATS Premier Lounges at each terminal, despite being a Krisflyer Miles redemption partner (Singapore Airlines owns 81% of SATS). You can access the full list of lounges available for cardholders here.

Also interestingly, RHB Premier Visa Infinite does not grant you access to the excellent Plaza Premium First at KLIA Terminal 1, despite being RHB's top tier credit card.

Final Thoughts

The RHB Premier Visa Infinite credit card is highly favorable for overseas spending but falls short for local transactions. Exclusively for RHB Premier customers, it is popular for its unlimited lounge access and attractive overseas earning rate for Enrich Miles.

It offers 8X Reward Points per RM1 spent internationally, making it a top card for earning Enrich Miles on overseas transactions. This feature is especially beneficial for those with children studying abroad or individuals who frequently travel or work abroad.

Conversely, the card is less advantageous for local spending, as other cards like the Alliance Bank Visa Infinite which offer better rewards for premium customers on local transactions. However, if we were to limit the comparisons to other invitation-only credit cards, the CIMB Preferred Visa Infinite has had some significant airline miles accrual promotions lately.

Be sure to check out my Ultimate Guide and KrisFlyer Ultimate Guide for comparisons on the airline miles earning rates for various credit cards.

Additionally, while the lounge access is unlimited, it is not as extensive as the offerings of Ambank or CIMB, despite all three banks providing access to Plaza Premium's network of lounges. Moreover, RHB does not grant access to SATS Premier Lounges at Singapore Changi Terminal 2 and Terminal 3, despite being a Krisflyer Miles redemption partner.

In summary, the RHB Premier Visa Infinite credit card is an excellent choice for overseas spending, particularly for earning Enrich Miles, but it is less suitable for local transactions and offers somewhat limited lounge access compared to its competitors.

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