RHB · Visa · Cashback

RHB Shell Visa-i

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.

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.

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.

Spending	Earns	Details
Petrol at Shell in ringgit	12%	When you spend RM3,000 or more a month. Up to RM30 back a month.
Petrol at Shell in ringgit	5%	When you spend RM2,000 or more a month. Up to RM30 back a month.
Petrol at Shell in ringgit	3%	When you spend RM1,000 or more a month. Up to RM30 back a month.
Petrol, Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billers	Nothing

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 Islamic deducts refunded or reversed spend from the month's total and cash back, and voids earn none. RHB Islamic 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.

Overseas spending fee: 1% 1% RHB Islamic administrative charge, on top of the card network's rate

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 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

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