RHB Bank Malaysia is updating the cashback structure for its RHB Shell Visa Credit Card and Shell Visa Credit Card-i, effective 28 July 2025. The revised structure introduces more targeted rewards and increases the maximum monthly cashback to RM110, provided cardholders meet the required spending across several categories. This marks a slight improvement over the previous cap of RM100 per month.

However, the higher potential comes with notable changes. The monthly cashback cap for Shell petrol will be reduced from RM50 to RM30. Meanwhile, the former RM50 combined cap for groceries, e-wallets, and utilities is now split into separate RM10 caps per category, limiting cashback in those areas unless spending is spread more broadly.

A new category for overseas spending has been introduced, offering up to RM50 in cashback per month. At the same time, the spending tiers needed to unlock higher cashback rates have been raised from RM800, RM1,500, and RM2,500 to RM1,000, RM2,000, and RM3,000 respectively.

Cashback Value by Category Has Increased and Shifted

The table below shows the maximum cashback in RM available by spending category, comparing the previous structure with the revised version.

Category	Before 28 July 2025	From 28 July 2025 Onwards
Petrol (Shell)	Up to RM50	Up to RM30
Groceries	Part of shared RM50 cap	Up to RM10, with RM250 minimum spend
e-Wallet & Online	Part of shared RM50 cap	Up to RM10, with RM500 minimum spend
Utilities	Part of shared RM50 cap	Up to RM10, with RM250 minimum spend
Overseas Spend	Not available	Up to RM50, with RM500 minimum spend
Other Spend	0.2%, no cap	0.2%, no cap
Maximum Cashback	RM100 per month	RM110 per month

Previously, groceries, e-wallet transactions, and utilities were grouped under a single RM50 cap. The new structure assigns a separate cap to each, introduces cashback for overseas spend, and increases the overall maximum cashback potential.

Spending Tiers, Category Requirements, and Caps Have All Been Updated

In addition to the new RM110 cashback cap, other key features of the card have been revised. These include higher monthly spend tiers, category-specific minimum spend requirements, and updated cashback caps.

Feature	Before 28 July 2025	From 28 July 2025 Onwards
Monthly Spend Tiers	RM800 / RM1,500 / RM2,500	RM1,000 / RM2,000 / RM3,000
Minimum Spend Per Category	Not required	RM250–RM500, depending on category
Cashback Caps	RM50 shared (groceries, online, utilities)	RM10–RM50 per category
Other Spending Cashback	0.2%, no cap	0.2%, no cap

The higher spend thresholds and new per-category requirements mean that cardholders will need to plan their spending more strategically to qualify for the highest cashback rates.

Tier	Monthly Total Eligible Spend (RM)	Petrol Spend (Shell)	Grocery Spend	e-Wallet Top-up and Online Spend	Utilities Spend	Overseas Spend	Others Spend
1	1,000 – 1,999.99	3.0%	1.0%	1.0%	1.0%	1.0%	0.2%
2	2,000 – 2,999.99	5.0%	2.0%	2.0%	2.0%	2.0%	0.2%
3	≥ 3,000.00	12.0%	5.0%	5.0%	5.0%	5.0%	0.2%
Minimum Spend per Category (RM)	—	—	RM250	RM500	RM250	RM500	RM500
Maximum Monthly Cashback Capping (RM)	—	RM30	RM10	RM10	RM10	RM50	Unlimited

What These New Cashback Rules Mean for Your Monthly Spending

Cardholders who were previously accustomed to earning maximum cashback by focusing on petrol or a few broad categories will need to adapt. The new structure rewards broader, more deliberate spending. For example, earning RM10 in groceries cashback now requires at least RM250 spent on groceries in the same month. Likewise, overseas spending of RM500 can now earn up to RM50, which was not previously possible.

While the new system allows higher earnings overall, it requires more planning and closer tracking. The increase from RM100 to RM110 is only accessible if a cardholder qualifies across all cashback categories. Those who do not meet minimums in one or more categories may find their monthly rewards are similar to, or lower than, before.

How the Cashback Will Be Calculated During the Switch

The new cashback structure starts on 28 July 2025. If your credit card statement period includes both before and after this date, your cashback will be split into two parts.

Transactions posted before 28 July will follow the old cashback rules, with a maximum of RM100 per month. Transactions posted on or after 28 July will follow the new rules, which offer up to RM110 per month with individual category caps and spend requirements.

For example, if your billing cycle is from 12 July to 11 August, any spending between 12 and 27 July will use the old structure. Spending from 28 July to 11 August will be calculated under the new structure. This split ensures your cashback is calculated fairly during the transition period.

Customer Support and Further Information

If you have any questions about the updated cashback structure or how it applies to your card usage, you are encouraged to visit the RHB website for full details. You may also contact RHB Customer Service using the number printed on the back of your RHB Shell Visa Credit Card.

• TAGS:
• Cashback
• Credit Card
• RHB Shell Visa Credit Card
• RHB Shell Visa Credit-Card-I
• Spending Tiers