RHB Islamic Cash Back Credit Card-i credit card

RHB Islamic Cash Back Credit Card-i

A credit card that meets your daily needs - up to 10% cashback every month when spending on petrol, dining, utility, online food and grocery delivery!

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

Get a Combo - 2x Xiaomi Mi Band 3!

Get a Combo - 2x Xiaomi Mi Band 3!

Get a Multifunction Electronic Pan Grill - Only at RinggitPlus!

Get a Multifunction Electronic Pan Grill - Only at RinggitPlus!


RinggitPlus will help you all the way! No wait for call, no paper form to fill in, just a simple chat.

Start Application


View product disclosure sheet.

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 Islamic Cash Back Credit Card-i
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
Why pay 18% p.a. 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 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)
Take advantage of 0% instalment plan for up to 24 months when you convert RHB credit card payment made at participated merchants of RHB Smart 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
Profit 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 Islamic Cash Back Credit Card-i review

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

Live your ordinary day extraordinarily with RHB Islamic Cash Back Credit Card-i, a credit card that meets your daily needs and return your spending with cashback. 

Annual Fee Waiver

The annual fee for  RHB Islamic Cash Back Credit Card-i is RM70 for principal card, whereas free of charge for supplementary cards. Interestingly, RHB Islamic Bank is waiving the annual fee for this cashback credit card for the first year.

From the second year onward, you are able to enjoy annual fee waiver when you spend a minimum RM10,000 in a year on your Cash Back Credit Card-i. Bear in mind that the Sales & Service Tax of RM25 must be paid upon credit card anniversary date.

Up to RM600 Cashback Annually

Always keeping tab on your expenses? Worry not as RHB Islamic Cash Back Credit Card-i can help you save up to RM600 every year when spending on essential category such as:

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

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

Made for Halal Transactions

Please note that this Islamic credit card operates under the Shariah concept of Ujrah. So keep in mind that you can only swipe your Cash Back Credit Card-i on Halal goods and services. RHB Islamic Bank will decline any payment charged to your credit card-i for transactions in the following situations:

Bars and Clubs
Purchase of Packaged Beers, Wine and Liquor
Cigar Stores and Stands
Gambling transactions.
Dating & Escort Services

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 Islamic Cash Back Credit Card-i 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

Read More