DuitBase
My cards
RHB · Visa · Cashback

RHB Cash Back-i

Earns
5% Utilities, from RM2,500 a month
Minimum spend
RM2,500 a month for the top rate
Min income
RM24,000 a year
Annual fee
RM70 Waived at RM10,000 spend a year
See it on RHB's site

Good for

  • Up to 5% cash back on petrol, dining, groceries and utilities once you spend RM2,500 a month.
  • 10% on online dining and grocery orders at the RM2,500 tier.
  • First year free. The RM70 fee after that is waived when you spend RM10,000 a year.

Watch out

  • Each category's cash back stops at RM10 a month.
  • Below RM1,000 of monthly spend, everything earns only 0.2%.
  • No cash back on government payments or payments through JomPAY and FPX.

What it earns

Cash back, as a share of what you spend.

  • Counts toward the minimum: every billed purchase. Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billers count but earn nothing.
SpendingEarnsDetails
Dining and Groceries online10% When you spend RM2,500 or more a month. Up to RM10 back a month.
Petrol5% When you spend RM2,500 or more a month. Up to RM10 back a month.
Dining in shops5% When you spend RM2,500 or more a month. Up to RM10 back a month.
Groceries in shops5% When you spend RM2,500 or more a month. Up to RM10 back a month.
Utilities and Telco5% When you spend RM2,500 or more a month. Up to RM10 back a month.
Petrol2% When you spend RM2,000 or more a month. Up to RM10 back a month.
Dining in shops2% When you spend RM2,000 or more a month. Up to RM10 back a month.
Groceries in shops2% When you spend RM2,000 or more a month. Up to RM10 back a month.
Utilities and Telco2% When you spend RM2,000 or more a month. Up to RM10 back a month.
Dining and Groceries online2% When you spend RM2,000 or more a month. Up to RM10 back a month.
Petrol1% When you spend RM1,000 or more a month. Up to RM10 back a month.
Dining in shops1% When you spend RM1,000 or more a month. Up to RM10 back a month.
Groceries in shops1% When you spend RM1,000 or more a month. Up to RM10 back a month.
Utilities and Telco1% When you spend RM1,000 or more a month. Up to RM10 back a month.
Dining and Groceries online1% When you spend RM1,000 or more a month. Up to RM10 back a month.
Petrol0.2% When you spend under RM1,000 a month. Up to RM10 back a month.
Dining in shops0.2% When you spend under RM1,000 a month. Up to RM10 back a month.
Groceries in shops0.2% When you spend under RM1,000 a month. Up to RM10 back a month.
Utilities and Telco0.2% When you spend under RM1,000 a month. Up to RM10 back a month.
Dining and Groceries online0.2% When you spend under RM1,000 a month. Up to RM10 back a month.
All spending except Petrol, Dining, Groceries and more0.2%
Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billersNothing

Getting your cash back

How it's paid
On your monthly statement The cash back you earn in a statement cycle is shown on your card's monthly statement. The cut-off is the day before your statement date, and later spend is credited in the next cycle.
Which month counts
Your statement cycle Your tier is set by the total spend shown on your monthly statement, and each RM10 cap applies per billing cycle.
When you lose it
Refunds, voids, misuse, or RHB blocking your account RHB Islamic takes back cash back on returned, cancelled or unauthorised purchases, and voids earn none. It can revoke your rights for abuse or fraud, and only active, well-kept accounts that it has not blocked or closed are eligible.

Travel

Airport lounges
None
Overseas spending fee
1% 1% RHB Islamic administrative charge, on top of the card network's rate

Fees and charges

What it costs if you don't pay in full, or use it for cash.

Annual fee
RM70 Free the first year. Waived if you spend RM10,000 in a year.
Extra (supplementary) cards
Free
Service tax
RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest
15%, 17% or 18% a year An Islamic card (Commodity Murabahah, Tawarruq): these are effective profit rates, not compounded. They depend on how reliably you paid over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment
5% of the balance, or RM50 Whichever is higher, plus any installments, unpaid past minimums, any amount over your limit and taxes.
Late payment
1% of the balance, RM10 to RM100 Ta'widh (compensation), charged when the minimum payment is late.
Cash withdrawal
5% fee, at least RM15 Plus 8% service tax on the fee, and an 18% a year profit rate from the day you take it out. No profit-free days.
Replacement card
RM50

Who can apply

Income
RM24,000 a year or more
Age
21 or older

Other perks

Pay by phone
Apple Pay, Google Pay For Apple Pay, you can also add it from the RHB Mobile Banking app.
Card network
Visa

Where this comes from