RHB Cash Back MasterCard Credit Card

Get up to 10% cashback when you spend on petrol, dining, utility, grocery and online food & grocery delivery - a credit card that meets your daily needs.

RHB Cash Back MasterCard Credit CardUp to 10% Cashback!
Min. Income
RM2,000/month
Annual Fee
Free*
Cashback
up to 10%
Balance Transfer
From 4% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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Cashback

Earn up to 10% cashback when spending above RM2,500 per month, capped at RM10 every month. Other spending get you an unlimited 0.2% cashback!

Cashback categoryCashback rateMonthly capSpend
Online Food and Grocery Delivery10%RM10from RM2,500 and above monthly
Online Food and Grocery Delivery2%RM10from RM2,000 up to RM2,499 monthly
Online Food and Grocery Delivery1%RM10from RM1,000 up to RM1,999 monthly
Online Food and Grocery Delivery0.2%RM10from RM1 up to RM999 monthly
Petrol, Dining, Utility and Grocery5%RM10from RM2,500 and above monthly
Petrol, Dining, Utility and Grocery2%RM10from RM2,000 up to RM2,499 monthly
Petrol, Dining, Utility and Grocery1%RM10from RM1,000 up to RM1,999 monthly
Petrol, Dining, Utility and Grocery0.2%RM10from RM999 up to RM1 monthly
Others Spend0.2%uncappedfrom RM1 and above monthly

Petrol

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

Balance Transfer

Exclusively for new customers, enjoy 0% interest for 12 months with RHB Smart Move Balance Transfer plan! Why pay finance charges on your outstanding debts when you can transfer your outstanding balance from other credit cards via Smart Move Balance Transfer plan to RHB Cash Back Visa Credit Card, at low one-time charge and with flexible repayment terms.

Pay OverWith Interest Rate AtWhen You Transfer
12 months4% p.a. and no one-time upfront handling feefrom RM1,000
18 months7% p.a. and no one-time upfront handling feefrom RM1,000
24 months10.99% 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 into reality with a flexible payment plan of up to 24 months from RHB credit card. Enjoy 0% interest with RHB Smart Instalment, or pay a small one-time upfront interest with RHB Dial-an-Instalment.

RHB Dial-An-Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feeRM500
12 months5% one-time upfront handling feeRM1,000
18 months7% one-time upfront handling feeRM1,000
24 months9% one-time upfront handling feeRM2,000
Learn more about RHB Dial-An-Instalment
RHB Smart Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM1,000
9 months0% p.a. and no one-time upfront handling feeRM1,000
12 months0% p.a. and no one-time upfront handling feeRM1,000
24 months0% p.a. and no one-time upfront handling feeRM1,000
Learn more about RHB Smart Instalment

Fees & Charges

Annual Fee
  • RM70 primary card

    First year free,you spend RM10,000 each year

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval 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
MasterCard PayPass

Requirements

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

Features

Easy Payment Plan
RHB Dial-An-Instalment
Anything your heart desires is only a phone call away - swipe a minimum of RM500, choose your preferred tenor and off you go!
RHB Smart Instalment
Convert your purchase into affordable monthly instalments with 0% interest for up to 24 months. Combine all of your debts and use 100% available credit limit under this plan.
Cash Advance / Cash Loan
RHB CashXcess
Need extra cash? Apply for RHB CashXcess and enjoy low interest rates at affordable monthly instalments
Balance Transfer Plans
RHB Smart Move Balance Transfer
Low rate balance transfer with up to 24 months to repay and consolidate your debt from other credit cards to your new RHB credit card.

Review

Live an extraordinary day with RHB Cash Back Visa Credit Card, a credit card that earns you Cash Back for your daily needs.

Annual Fee Waiver

For the first year, the RHB Cash Back Visa Credit Card is free of charge. On subsequent years, the annual fee is at RM70 but will be waived when you spend a minimum of RM10,000 in a year on your Cash Back Credit Card.

Bear in mind that the Sales & Service Tax of RM25 will be charged upon the anniversary date of your credit card. Annual fee is waived for supplementary cardholders.

Up to RM600 Cashback Annually

Always keeping tab on your daily expenses? Fret no more as RHB Cash Back Visa Credit Card can help you save up to RM600 every year when spending on essentials such as:

  • Online Food and Grocery Delivery, and
  • Petrol
  • Dining
  • Utility
  • Grocery
  • Other Retail Spend

The cashback rate that you will earn is dependent on the total monthly spend on your RHB Cash Back Visa Credit Card, capped at RM10 per category. Make a minimum total spend of RM2,500 every month to earn 10% cashback!

Flexible Line of Credits

There is a slew of benefits in 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 Visa Credit Card offers you:

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

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