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RHB · Visa · Cashback

RHB Shell Visa

Earns
Up to 12% Petrol at Shell in ringgit, from RM3,000 a month
Minimum spend
RM3,000 a month for the top rate
Min income
RM24,000 a year
Annual fee
RM195 Waived at 24 swipes a year
See it on RHB's site

Good for

  • 12% cash back on Shell petrol once you spend RM3,000 a month, up to RM30.
  • 5% on groceries, e-wallet reloads and online spend, and utilities, up to RM10 each, and 5% overseas, up to RM50.
  • First year free. The RM195 fee after that is waived after 24 card swipes a year.

Watch out

  • Below RM1,000 of monthly spend, you earn no cash back.
  • Each category needs its own minimum spend, RM250 to RM500 a month, before it pays.
  • Petrol at other stations, government payments and JomPAY earn no cash back.

What it earns

Cash back, as a share of what you spend.

  • Counts toward the minimum: every billed purchase. Petrol, Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billers count but earn nothing.
SpendingEarnsDetails
Petrol at Shell in ringgit12% When you spend RM3,000 or more a month. Up to RM30 back a month.
Petrol at Shell in ringgit5% When you spend RM2,000 or more a month. Up to RM30 back a month.
Petrol at Shell in ringgit3% When you spend RM1,000 or more a month. Up to RM30 back a month.
Petrol, 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 your total eligible spend in each statement cycle, by posting date, and each cap applies per month.
When you lose it
Refunds, voids, misuse, or RHB blocking your account RHB deducts refunded or reversed spend from the month's total and cash back, and voids earn none. RHB can claw back cash back for abuse or fraud, and only active accounts in good standing that it has not blocked or closed are eligible.

Travel

Overseas spending fee
1% 1% RHB 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
RM195 Free the first year. Waived after 24 purchases 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 Depends 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 Charged when the minimum payment is late.
Cash withdrawal
5% fee, at least RM15 Plus 8% service tax on the fee, and 18% a year interest from the day you take it out. No interest-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