Here's Why You Should Cancel Your RHB Premier Visa Infinite
- Refined Points
- Mar 20
- 3 min read
After five long months, RHB has finally confirmed its disastrous decision to roll out its new points system. Refined Points previously covered this in three separate articles, warning that these changes would render RHB’s points-based credit cards practically worthless.
In an unexpected move, RHB backtracked on the announcement in mid-October—without explanation, though public backlash seemed a likely factor.
Now, however, the bank has doubled down on its decision, confirming that the changes will take effect. Shockingly, the final version of the new points system is even worse than initially announced. Given the magnitude of the devaluation, Refined Points strongly advises all RHB Premier Visa Infinite cardholders to convert any remaining RHB Loyalty Points into airline miles immediately and cancel their credit card.
A Disastrous Split
Before diving into the details of the new system, let’s discuss a particularly damaging aspect of RHB’s latest announcement—the forced split of existing points.
On April 8, 2025, all RHB Loyalty Points in a cardholder’s account will be equally divided between the two new points buckets: LoyaltyPlus Points and Loyalty Points. This means if you have 100,000 Loyalty Points before the split, you’ll find yourself with 50,000 LoyaltyPlus Points and 50,000 Loyalty Points the next day.
Why is this bad? The two new point types have different airline miles conversion rates, and this forced split results in an automatic devaluation of at least 20%—without you spending a single cent.
Here’s an example of how your miles will be affected:
If you convert 100,000 RHB Loyalty Points to Enrich Miles on April 7, 2025, you’ll receive 12,500 miles (a 8:1 conversion ratio).
If you convert the same 100,000 points after the split, you’ll receive only 9,583 miles (6,250 miles from LoyaltyPlus Points and 3,333 miles from Loyalty Points).
This move nothing more than a loyalty monetization exercise by RHB, penalizing cardholders for simply holding onto their points. If you have RHB points, it is absolutely crucial to redeem them before April 8, 2025, to avoid this unnecessary devaluation.
A Deeply Flawed Points System
To recap, RHB’s new points system introduces two separate buckets for earning and redeeming points—LoyaltyPlus Points and Loyalty Points.
Let’s be clear: this split exists solely to make it harder for customers to earn valuable rewards.
LoyaltyPlus Points are the “premium” points, offering better redemption rates. They are earned only on overseas transactions, airline purchases, hotel bookings, and select travel-related expenses.
Loyalty Points are the inferior, devalued points that apply to everything else—dining, groceries, shopping, bill payments, and local transactions.
Under the old system, all spending contributed to a single pool of points, making it easier to accumulate miles. Now, not only will customers have to track two separate point types, but the majority of everyday spending will generate less valuable Loyalty Points.
This shift is deliberately designed to make airline mile redemptions more expensive. If your spending doesn’t fit into RHB’s narrow definition of “premium transactions,” you will now need more points to achieve the same rewards.
For frequent travelers who primarily spend on overseas transactions and airline purchases, the system might seem reasonable—but even they lose flexibility under this structure. For everyone else, however, this is a clear-cut devaluation with no upside.
Even if you were into Enrich miles, you're better off going for the AmBank Enrich Visa Infinite for the Enrich-related perks.
Final Thoughts
With these changes, the RHB Premier Visa Infinite has lost its value proposition, although some may argue that the credit card still caters to a very specific niche market that tends to travel domestically alot. There are much better credit cards in place even for this specific purpose.
To recap,
The forced 50-50 split of existing points results in an immediate devaluation.
The introduction of two separate points buckets complicates what was once a simple system.
Everyday spending—which used to generate valuable points—now earns significantly less.
Earning airline miles now requires more effort, while redemptions have become less rewarding.
In light of this, there is no longer any reason to keep the RHB Premier Visa Infinite card. Better alternatives exist in the market, offering straightforward point systems and superior value for airline miles.
If you’re an existing cardholder, convert your points before April 8, 2025, and consider cancelling your card. There are much better alternatives for earning airline miles out there, so do check out my Ultimate Guides.
I guess you could say RHB's points fiasco could be 2025's Maybank TreatsPoints fiasco!
