RHB Cash Back MasterCard Credit Card

Get up to 10% cashback when you spend on petrol, dining, utility, grocery and online dining plus grocery. Truly a credit card that meets your daily needs!

RHB Cash Back MasterCard Credit CardGet cashback on daily expenses!
Min. Income
RM2,000/month
Annual Fee
Free*
Cashback
up to 10%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Touch 'n Go E-Wallet Credit
worth RM5000
when you apply through RinggitPlus *

Touch 'n Go E-Wallet Credit

Our Previous Winners

Cashback

Earn 10% cashback on online dining and grocery categories and 5% cashback for petrol, dining, utilities and grocery categories when spending RM2,500 and above. Cashback is capped at RM10 per category per month.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Online Dining/Grocery10%RM10from RM2,500 or above monthly
Online Dining/Grocery2%RM10from RM2,000up to RM2,499 monthly
Online Dining/Grocery1%RM10from RM1,000up to RM1,999 monthly
Online Dining/Grocery0.2%RM10from RM1up to RM999 monthly
Petrol, Dining, Utility and Grocery5%RM10from RM2,500 or above monthly
Petrol, Dining, Utility and Grocery2%RM10from RM2,000up to RM2,499 monthly
Petrol, Dining, Utility and Grocery1%RM10from RM1,000up to RM1,999 monthly
Petrol, Dining, Utility and Grocery0.2%RM10from RM999up to RM1 monthly
Other Spend0.2%uncappedfrom RM1 or above monthly

Petrol

Earn up to 5% cashback when you fill up the tank at any petrol stations nationwide.

Balance Transfer

Get low-interest rates for tenures of up to 36 months with the RHB Smart Move Balance Transfer plan. Enjoy a special offer of 0% interest per annum over a 12-month tenure. Terms and conditions apply!

Pay OverWith Interest Rate AtWhen You Transfer
12 months0% p.a.and no one-time upfront handling feefrom RM1,000
6 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
12 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.88% p.a. and no one-time upfront handling feefrom RM1,000
36 months6.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about RHB Smart Move Balance Transfer

Easy Payment Plans

Turn your wish list item into reality with a flexible instalment payment plan of up to 36 months from an RHB credit card at 0% interest.

RHB Smart Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about RHB Smart Instalment

Fees & Charges

Annual Fee
  • RM70 primary card

    First year free

    Waived when you spend RM10,000 each year on the subsequent years

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
payWave

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 to 60 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
RHB Smart Instalment
Convert your purchase into affordable monthly instalments with 0% interest for up to 36 months. Use the 100% available credit limit under this plan.
Cash Advance / Cash Loan
RHB CashXcess
Need extra cash? You can withdraw from your principal RHB Credit Card/-i via this plan and enjoy interest rates from 4.88% p.a., valid until 31 December 2025. T&Cs apply.
Balance Transfer Plans
RHB Smart Move Balance Transfer
Enjoy great savings with as low as 0% p.a. interest for up to 36 months to repay and consolidate your debt from other credit cards to your new RHB credit card.

Review

Live an extraordinary day with the RHB Cash Back MasterCard Credit Card, a credit card that rewards you with cashback for your daily needs.

RHB Cash Back MasterCard Credit Card Gives You Up to RM600 Cashback Annually

Do you always keep a tab on your daily expenses? Fret no more as the RHB Cash Back MasterCard Credit Card can help you save up to RM600 every year when spending on essentials such as:

  • Online Dining/Grocery: For example, GrabFood, Food Panda, McDonald's Delivery, etc.
  • Petrol: For example, Petron, Shell, Petronas, etc.
  • Dining: For example, Madam Kwan, KFC, Secret Recipe, etc.
  • Utility: For example, Astro, Maxis, TNB, etc.
  • Grocery: For example, Jaya Grocer, Giant, AEON Supermarket, etc.
  • Other Retail Spend

The cashback rate that you will earn is dependent on the total monthly spend on your RHB Cash Back MasterCard Credit Card, capped at RM10 per category.

Make a minimum total spend of RM2,500 every month to earn 10% cashback!

Annual Fee Waiver

For the first year, the RHB Cash Back MasterCard Credit Card is free of charge. 

In subsequent years, the annual fee is RM70 but will be waived when you spend a minimum of RM10,000 on your Cash Back Credit Card.

Remember that the Sales and Service Tax of RM25 will be charged upon the anniversary date of your credit card. The annual fee is waived for supplementary cardholders.

Flexible Line of Credits

There are a slew of benefits to a credit card when you use it efficiently. 

After all, it is made to extend your credit when you require it, whether to pay for your personal needs or daily expenses. 

RHB Cash Back MasterCard Credit Card offers you:

  • Smart Move Balance Transfer to consolidate all your credit card outstanding debts from other financial institution
  • Smart Instalment to convert your purchase into affordable monthly payments
  • CashXcess gives you some cash relief that can be paid over an instalment at a low rate

0% interest RHB Smart Move Balance Transfer Campaign

Looking to lessen your credit card debts? If you are a Principal or Primary cardholder of other banks’ credit card(s) issued in Malaysia, take this chance to transfer your outstanding balances to a new RHB credit card/-i at ZERO interest!

Valid until 31 December 2025 (“Campaign Period”), you can enjoy from 0% p.a. up to 6.88% p.a. with a minimum transfer amount of RM1,000 while the maximum amount is subject to the criteria set by the bank.

However, RHB Supplementary cards, RHB Business Credit Card, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i are not eligible for this balance transfer offer.

If you are keen, check out the RHB Smart Move Balance Transfer page for more details!

Otherwise, you can apply directly by visiting any RHB branch or calling the RHB Customer Contact Centre at 03 9206 8118.

RHB Dial-An-Instalment Campaign

An instalment plan can help you have a better cash flow if you wish to buy a big-ticket item. It’s even better if the plan has ZERO rate and you can do so with the RHB Dial-An-Instalment, subject to the campaign’s terms and conditions.

This campaign ends on 31 December 2025, so grab this chance to enjoy as low as 0% one-time upfront rates and stretch your payments for up to 24 months with a minimum transaction amount of RM500. No maximum purchase amount limit is applicable. Refer to the below table for your easy reference.

  • For new RHB credit card/-i holders: (T&Cs)
Tenure Minimum Transaction Amount One-time Upfront Rate/Actual Management Fee Effective Rate
12 months RM500 0% 0%
  • For existing RHB credit card/-i holders: (T&Cs)
Tenure Minimum Transaction Amount One-time Upfront Rate/Actual Management Fee Effective Rate
6 months RM500 2.50% 8.25%
12 months RM1,000 5% 9.10%
18 months RM1,000 7% 8.67%
24 months RM1,000 9% 8.41%

The cards that are not eligible include RHB Business Credit Cards, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i.

If you are keen, make an application by giving a call to the RHB Customer Contact Centre at 03 9206 8118 to take part!

RHB CashXcess Campaign

From 1 January 2025 until 31 December 2025, you can enjoy as low as 4.88% interest per annum when you withdraw from your Principal RHB credit card via the RHB CashXcess plan, subject to the campaign’s terms and conditions.

Referring to the T&C, the minimum withdrawal is set at RM1,000 while the maximum amount is set up to 80% of your available RHB Credit Card/-i credit limit. Only the Principal cardholder(s) is eligible to participate in this campaign.

The cards that are not eligible to participate include the RHB Supplementary Cards, RHB Business Credit Card, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i.

If you are keen, make an application through RHB Online Banking to take part. Do ensure that your credit limit is sufficient before you apply!

Once your CashXcess application has been approved, the said amount will be debited accordingly to your RHB Credit Card/-i account.

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