RHB Cash Back MasterCard Credit Card

Get up to 10% cashback when you spend on petrol, dining, utility, grocery and online dining plus grocery - 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 4.88% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
NEW Apple iPhone 14 PRO
worth RM5299
when you apply through RinggitPlus *

NEW Apple iPhone 14 PRO

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

Enjoy low-interest rates for tenures of up to 36 months with the RHB Smart Move Balance Transfer plan.

Pay OverWith Interest Rate AtWhen You Transfer
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 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? Apply for RHB CashXcess and enjoy low interest rates at affordable monthly instalments.
Balance Transfer Plans
RHB Smart Move Balance Transfer
Enjoy great savings with interest rates as low as 4.88% per annum 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 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 RHB Cash Back MasterCard Credit Card can help you save up to RM600 every year when spending on essentials such as:

  • Online Dining/Grocery
  • 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 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 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. 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
Search Icon

Get the financial support you need

Featurebox

We’ll guide you through your application for this financial product