RHB Cash Back Visa Credit Card

Save up on your daily expenses by earning attractive cashback of up to 10% on selected categories such as Petrol, Dining, Grocery, and more!

RHB Cash Back Visa Credit CardEarn cashback on everyday spending
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

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Cashback

Spend RM2,500 and above to get 10% cashback on online dining and grocery delivery categories, and 5% cashback for petrol, dining, utilities and grocery categories. While other spending earns you 0.2% cashback. Cashback is capped at RM10 per category per month.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Online/Dining/Grocery Delivery10%RM10from RM2,500 or above monthly
Online/Dining/Grocery Delivery2%RM10from RM2,000up to RM2,499 monthly
Online/Dining/Grocery Delivery1%RM10from RM1,000up to RM1,999 monthly
Online/Dining/Grocery Delivery0.2%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 RM1up to RM999 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

Transfer your outstanding balance from other credit cards to an RHB credit card via the Smart Move Balance Transfer plan to benefit from low-interest rates and flexible repayment terms.

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
18 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
36 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about RHB Smart Move Balance Transfer

Easy Payment Plans

Enjoy 0% interest with RHB Smart Instalment and stretch your repayments up to 36 months.

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

  • 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
Visa 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. Combine all of your debts and 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 Visa Credit Card, a credit card that rewards you with cashback for your daily needs.

RHB Cash Back Visa Credit Card - Annual Fee Waiver

For the first year, the RHB Cash Back Visa 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.

Up to RM600 Cashback Annually

Always keep a 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/dining/grocery delivery
  • Petrol
  • Dining
  • Utility
  • Grocery
  • Other retail spend

Capped at RM10 per category, the cashback rate that you earn will depend on the total monthly spend on your RHB Cash Back Visa Credit Card.

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

Flexible Line of Credits

There is 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 Visa 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
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