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!

RHB Islamic Cash Back Credit Card-iUp 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

Get a FREE
Poh Kong 999.9 (1G) Gold Bar
worth RM349
when you apply through RinggitPlus3

Poh Kong 999.9 (1G) Gold Bar

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!

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 RM1 up to RM999 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 at a 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

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.

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

    Waived when 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
Visa payWave

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 tenure 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 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.

Highlights of RHB Islamic Cash Back Credit Card-i


RHB Islamic Cash Back Credit Card-i
Highest cashback rate 5% cashback with a total monthly spend of RM2,500 and above
Highest cashback amount RM10 per month
Max spend to earn highest cashback amount RM200 per month
Eligible spend to earn highest cashback rate Auto bill payment and all retail purchases
Eligible Cardholder(s) Principal and Supplementary

 

 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:

  • Utility
  • Dining
  • Petrol
  • Grocery
  • Online Food & Grocery Delivery
  • 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!

 

RHB Islamic Cash Back Credit Card-i Cashback
  • RM10 monthly cap
  • Spend RM1 and above (monthly)

0.2% - 5%
Dining
Grocery
Utility 0.2%
  • No cap
  • Spend RM1 and above (monthly)

More information about participating cashback merchants can be found here.

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:

 

RHB Islamic Cash Back Credit Card-i, Made for Halal Transactions
Bars and Clubs
Packaged Beers, Wine and Liquor
Cigar Stores and Stands
Gambling Transactions
Dating & Escort Services

 

Eligibility and Required Documents

Any individual aged 21-60 years old (principal card) and 18 years old (supplementary card) can apply for RHB Islamic Cash Back Credit Card-i.

Another eligibility criteria is you must be earning minimum RM2,000 per month.

To complete your RHB Islamic credit card application, remember to prepare the documents below:

 

Required Documents for RHB Islamic Cash Back Credit Card-i Application
Self-employed Salaried Employee Salaried Expatriate
Photocopy of MyKad (both sides) Photocopy of MyKad (both sides) Passport copy
Photocopy of Business Registration Form Latest EPF statement / 2 months salary slip Latest 2 months salary slip
Latest Form B with tax receipt Choose 1:
      3 months bank statement


      Latest EA Form


    Latest BE Form with tax receipt

Letter of employment
    Working permit with min. validity of 1 year during application
    Proof of home address, i.e. utility bill

 

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:

  1. Smart Pay to make monthly auto-payment on Telekom, Maxis, Digi, Astro and other bills
  2. Smart Move Balance Transfer to consolidate all your credit card outstanding debts from other financial institution
  3. Smart Instalment and Dial-An-Instalment to convert your purchase into up to 36 monthly payments with 0% interest rate
  4. CashXcess to give you some cash relief that can be paid over an instalment at low rate

 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.