RHB Cash Back Visa Credit Card credit card

Also available as MasterCard

RHB Cash Back Visa 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.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 10% cashback
  • 4% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM70.00 annual fee

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Earn up to 10% cashback when spending above RM2,500 per month, capped at RM10 every category. Other spending get you an unlimited 0.2% cashback!
Discover how much you can save when you shop with your new RHB Cash Back Visa Credit Card
Cashback CategoryCashback RateMonthly CapSpend
Online Food and Grocery DeliverySpendfrom RM2500 and above monthly10%RM10from RM2500 and above monthly
Online Food and Grocery DeliverySpendfrom RM2000 up to RM2499 monthly2%RM10from RM2000 up to RM2499 monthly
Online Food and Grocery DeliverySpendfrom RM1000 up to RM1999 monthly1%RM10from RM1000 up to RM1999 monthly
Online Food and Grocery DeliverySpendfrom RM1 up to RM999 monthly0.2%RM10from RM1 up to RM999 monthly
Petrol, Dining, Utility and GrocerySpendfrom RM2500 and above monthly5%RM10from RM2500 and above monthly
Petrol, Dining, Utility and GrocerySpendfrom RM2000 up to RM2499 monthly2%RM10from RM2000 up to RM2499 monthly
Petrol, Dining, Utility and GrocerySpendfrom RM1000 up to RM1999 monthly1%RM10from RM1000 up to RM1999 monthly
Petrol, Dining, Utility and GrocerySpendfrom RM1 up to RM999 monthly0.2%RM10from RM1 up to RM999 monthly
Others SpendSpendfrom RM1 and above monthly0.2%uncappedfrom RM1 and above monthly
Balance Transfer
Transfer your outstanding balance from other credit cards to RHB credit card via Smart Move Balance Transfer plan to benefit from low interest rate and flexible repayment terms.
Pay OverWith Interest Rate AtWhen You Transfer
12 months4% p.a. and 0% one-time upfront handling feefrom RM1000 
18 months7% p.a. and 0% one-time upfront handling feefrom RM1000 
24 months10.99% p.a. and 0% one-time upfront handling feefrom RM1000 
Learn more about RHB Smart Move Balance Transfer
Easy Payment Plan (EPP)
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.
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feefrom RM500 
12 months5% one-time upfront handling feefrom RM1000 
18 months7% one-time upfront handling feefrom RM1000 
24 months9% one-time upfront handling feefrom RM2000 
Learn more about RHB Dial-An-Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feefrom RM1000 
9 months0% p.a. and no one-time upfront handling feefrom RM1000 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about RHB Smart Instalment
Petrol
Earn up to 5% cashback when you fill up the tank at any petrol stations nationwide.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM70.00
  • First year free
  • Waived when you spend RM10,000 each year
Annual Fee for Supplementary Card
RM0
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
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
60 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
RHB Dial-An-Instalment
RHB Smart Instalment
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
RHB CashXcess
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
RHB Smart Move Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

RHB Cash Back Visa Credit Card review

What's so good (or not so good) about it?

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 depends 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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