| Category | Tier 1 RM1K-2K | Tier 2 RM2K-3K | Tier 3 RM3K+ | Cap/mth |
|---|---|---|---|---|
| Shell Petrol | 3% | 5% | 12% | RM30 |
| Grocery | 1% | 2% | 5% | RM10 |
| e-Wallet / Online | 1% | 2% | 5% | RM10 |
| Utilities | 1% | 2% | 5% | RM10 |
| Overseas | 1% | 2% | 5% | RM50 |
| Others | 0.2% | 0.2% | 0.2% | Unlimited |
| Grocery | RM250 |
| e-Wallet / Online | RM500 |
| Utilities | RM250 |
| Overseas | RM500 |
| Others | RM500 |
Petrol RM30 + Grocery RM10 + eWallet RM10 + Utilities RM10 + Overseas RM50 = RM110/month (+ unlimited 0.2% on others)
Daily commuters who pump Shell regularly
Essential spenders — grocery, utility, e-wallet top-up
Low income threshold — only RM2K/month needed
Supplementary card annual fee waived
Push for Tier 3 (RM3K+ spend) to unlock the 12% petrol cashback. Most clients already spend RM3K/month across all categories. The key is consolidating spend onto this one card to hit the tier.
| Category | Multiplier | Points Type |
|---|---|---|
| Overseas (RM10K+ spend/mth) | 10x per RM1 | LoyaltyPlus |
| Overseas (below RM10K/mth) | 8x per RM1 | LoyaltyPlus |
| Hotels & Airlines (online) | 3x per RM1 | LoyaltyPlus |
| Dining | 3x per RM1 | Loyalty |
| Duty-Free | 3x per RM1 | Loyalty |
| Online (Travel) | 3x per RM1 | LoyaltyPlus |
| Online (Other) | 3x per RM1 | Loyalty |
| Other (Travel) | 1x per RM1 | LoyaltyPlus |
| Other (Non-Travel) | 1x per RM1 | Loyalty |
| Airline | Points Needed | Miles Received |
|---|---|---|
| Enrich (Malaysia Airlines) | 8,000 LoyaltyPlus | 1,000 miles |
| KrisFlyer (Singapore Airlines) | 22,500 points | 1,000 miles |
Enrich: RM1 spend = 0.375 Enrich miles (at 3x local dining)
Overseas 10x: RM1 spend = 1.25 Enrich miles — among the best in Malaysia
| Unlimited access | Min RM100,000 annual spend |
| 12x per year | Min RM1,000 monthly spend |
| Plaza Premium Lounges: MY, SG, HK, TW, ID, PH, AU, UK, KH, CN | |
| Sungai Long Golf & Country Club | Free green fee |
| Glenmarie Golf & Country Club | Free green fee |
| Tropicana Golf & Country Resort | Free green fee |
| Palm Garden Golf Club | Free green fee |
| Min RM5,000 statement spend required. Buggy & caddy charges apply. | |
Premier Banking clients (RM200K+ AUM with RHB)
Frequent travellers — 10x overseas points + unlimited lounge + RM2M insurance
Miles collectors — best Enrich rate among RHB cards (8,000:1,000)
Golfers — free green fees at 4 clubs
This is the hook to upgrade clients to Premier Banking. Show them the 10x overseas points + unlimited lounge access. For clients already spending RM10K+/month overseas, this card alone justifies the RM200K AUM commitment. Pair with: "Keep RM200K in FD/UT with us, get this card free — your overseas spending earns you flights."
| Category | Tier 1 RM1K-2.5K | Tier 2 RM2.5K-3.5K | Tier 3 RM3.5K+ | Cap/mth |
|---|---|---|---|---|
| Petrol | 1% | 2% | 6% | RM30 |
| Travel | 1% | 2% | 6% | RM30 |
| Dining | 1% | 2% | 6% | RM30 |
| Overseas | 0.5% | 1% | 2% | RM100 |
| Others | 0.2% | 0.2% | 0.2% | Unlimited |
| Plaza Premium Lounge (MY) | 6x free per year |
| Requirement | Min RM500 monthly spend |
| Guest discount | 25% off at MY lounges |
| International lounges | 20% off (excl. Shanghai, Beijing) |
| Travel Insurance | Up to RM600,000 |
| Same 4 courses as Premier VI: Sungai Long, Glenmarie, Tropicana, Palm Garden. Free green fee, buggy & caddy charges apply. |
Petrol + Dining + Travel spenders — 6% across all three at Tier 3
Moderate travellers — 6 lounge visits/year is enough for most
Non-Premier clients who want premium perks without RM200K AUM
Push for Tier 3 (RM3.5K+ spend) to unlock 6% across petrol, travel, AND dining — triple benefit from one card. "One card covers your car, your meals, and your holidays — all at 6%." Golf privileges are the cherry on top for the right client.
| Feature | Shell Visa | Premier VI | World MC |
|---|---|---|---|
| Annual Fee | RM195 | By invite | RM800 |
| Fee Waiver | 24 swipes | Premier status | Spend-based |
| Min Income | RM24K p.a. | Premier AUM | RM80K p.a. |
| Reward Type | Cashback | Points | Cashback |
| Best Rate | 12% petrol | 10x overseas | 6% multi-cat |
| Lounge | None | Unlimited* | 6x/year |
| Travel Insurance | None | RM2M | RM600K |
| Golf | None | 4 courses | 4 courses |
| Miles Earn | No | Yes | No |
* Unlimited lounge requires RM100K annual spend; otherwise 12x/year
Shell Visa — The Daily Driver
Premier VI — The Globetrotter
World MC — The All-Rounder
All RHB cards earn points redeemable at rhbrewards.com.my for merchandise, vouchers, and airmiles. Points validity: 3 years. Premier VI gets the best Enrich conversion (8,000:1,000). On-the-spot redemption available at partner merchants.