RHB Cash Back Visa Credit Card
Cashback on daily essentials with the RHB Cash Back Visa Credit Card
Eligibility
Minimum Monthly Income
RM 2,000 (RM 24,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Documents required to apply:
You will need to provide several documents such as (varies between different banks):
Salaried Employees (Malaysian)
- A copy of your IC (both sides)
- Recent 1-month payslip for MNC, 3 months' payslip for non-MNC
- Latest EPF statement
Self-Employed (Malaysian)
- A copy of your IC (both sides)
- Copy of M&A or Constitution (for limited company)
- Latest Notice Assessment and latest Tax Payment Receipt
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Annual fee is waived for the first year. Waive your next annual fees when you make a minimum spend of RM10,000 yearly
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Good for Cashback
Up to 10% cashback on online dining and grocery spend (capping conditions and minimum spend apply) Up to 5% cashback on dining at restaurants, petrol, groceries and utilities spend (capping conditions and minimum spend apply) 0.2% cashback on all other spend, no cap and minimum spend required
RHB Smart Instalment - Convert your big purchases into flexible and affordable monthly instalments at 0% interest with up to 36 months of repayment tenures.
Enjoy as low as 4.88% p.a. interest for up to 36 months to repay and consolidate your debt from other credit cards with the RHB Smart Move Balance Transfer. The minimum transfer amount is only RM1,000.
Withdraw extra cash from your principal RHB Credit Card/-i via RHB CashXcess plan with interest rates as low as 7.88% p.a. Enjoy this offer until 31 December 2025. T&Cs apply!
Terms and Conditions
Product review by CompareHero
What Is the RHB Cash Back Visa Credit Card?
The RHB Cash Back Visa Credit Card is a cashback credit card that rewards spending on everyday essentials, including petrol, dining, utilities, groceries, and online dining and grocery purchases. With a minimum annual income requirement of RM24,000, the card offers higher cashback rates as your total monthly retail spending increases.
Benefits of the RHB Cash Back Visa Credit Card
- Earn up to 5% cashback on eligible petrol, dining, utility and grocery spending.
- Enjoy up to 10% cashback on eligible online dining and grocery purchases.
- Earn 0.2% cashback on other eligible retail spending.
- Unlock higher cashback rates by increasing your monthly retail spending.
- Access RHB Smart Pay, Smart Move, Smart Instalment and CashXcess.
How the Cashback Programme Works
Your cashback rate depends on your total monthly retail spending during the statement cycle. The higher your monthly spending, the higher the cashback you can earn across eligible spending categories.
| Total Monthly Retail Spend | Petrol | Dining | Utilities | Grocery | Online Dining & Grocery | Other Eligible Retail Spend |
|---|---|---|---|---|---|---|
| RM1.00 – RM999.99 | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% |
| RM1,000.00 – RM1,999.99 | 1% | 1% | 1% | 1% | 1% | 0.2% |
| RM2,000.00 – RM2,499.99 | 2% | 2% | 2% | 2% | 2% | 0.2% |
| RM2,500.00 and above | 5% | 5% | 5% | 5% | 10% | 0.2% |
Monthly Cashback Caps
| Spending Category | Maximum Monthly Cashback |
|---|---|
| Petrol | RM10 |
| Dining | RM10 |
| Utilities | RM10 |
| Grocery | RM10 |
| Online Dining & Grocery | RM10 |
| Other Eligible Retail Spend | Unlimited |
Cashback is calculated according to your monthly retail spending tier and awarded on eligible Merchant Category Codes (MCCs) in accordance with the card's terms and conditions.
Cashback Categories
The RHB Cash Back Visa Credit Card rewards spending across a range of everyday essentials.
- Petrol – Eligible purchases at petrol stations, including Caltex, Petron, Petronas, Shell and other petrol stations.
- Dining – Eligible restaurant spending, including merchants such as McDonald's, KFC, Secret Recipe, Madam Kwan and other restaurants.
- Utilities – Eligible utility bill payments, including Astro, Celcom, Maxis, Tenaga Nasional Berhad and other utility providers.
- Groceries – Eligible purchases at supermarkets and hypermarkets, including AEON Supermarket, Cold Storage, Giant, Jaya Grocer and other grocery merchants.
- Online Dining & Grocery – Eligible online dining and grocery purchases, including GrabFood, foodpanda, DeliverEat, McDonald's Delivery, Lotus's Online and other qualifying merchants.
Other Card Benefits
Besides cashback, the RHB Cash Back Visa Credit Card includes several payment and financing features to help you manage your spending.
- Smart Pay – Automatically pay recurring bills such as Telekom, Maxis, Digi, Astro and other participating billers.
- Smart Move – Transfer outstanding balances from other credit cards at attractive rates.
- Smart Instalment – Convert eligible purchases into a 0% interest instalment plan for up to 36 months at selected merchants.
- CashXcess – Withdraw cash from your credit card with attractive rates and repayment periods of up to36 months.
Fees and Charges
The RHB Cash Back Visa Credit Card offers the following fees and charges:
- Principal annual fee: First year waived. RM70 per year thereafter, waived with a minimum annual retail spend of RM10,000.
- Supplementary annual fee: Free.
- Government Service Tax: RM25 per card upon activation and every anniversary thereafter.
- Cash Advance Fee: 5% of the amount withdrawn or RM15, whichever is higher.
- Late payment charge: 1% of the outstanding balance, subject to a minimum of RM10 and a maximum of RM100.
- Minimum monthly payment: RM50 or 5% of the outstanding balance, whichever is higher.
Retail transactions are subject to RHB's tiered finance charges of 15% p.a., 17% p.a. or 18% p.a., depending on your repayment behaviour.
Eligibility Requirements
To apply for the RHB Cash Back Visa Credit Card, you must:
- Be 21 years old and above.
- Earn a minimum annual income of RM24,000.
Required Documents
Prepare the following documents when applying for the RHB Cash Back Visa Credit Card.
Identification documents
- MyKad or passport.
Income documents(submit the applicable documents)
- Latest salary slips.
- Latest EPF statement.
- Latest EA Form or tax documents.
- Other supporting income documents requested by RHB.
RHB may request additional supporting documents during the application process.
How to Apply
Compare the RHB Cash Back Visa Credit Card with other cashback credit cards on CompareHero and apply online if you meet the eligibility requirements. Eligible applicants may also enjoy exclusive sign-up offers, subject to the campaign's terms and conditions.