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 and grocery delivery!

RHB Islamic Cash Back Credit Card-iUp to 10% Cashback!
Min. Income
Annual Fee
up to 10%
Balance Transfer
From 4.88% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

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Earn up to 10% cashback when you spend above RM2,500 per month, capped at RM10 for every category. Other spending gets you an unlimited 0.2% cashback!

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


Earn up to 5% cashback when you fill up the tank at any petrol stations nationwide.

Balance Transfer

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
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

Take advantage of the 0% instalment plan for up to 36 months when you convert RHB credit card payments made at participating merchants of RHB Smart Instalment.

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
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 to 60 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


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.


Highlights of RHB Islamic Cash Back Credit Card-i
Highest cashback rate 10% cashback with a total monthly spend of RM2,500 and above
Highest cashback amount RM10 per month
Maximum spend to earn the highest cashback amount RM200 per month
Eligible spend to earn the highest cashback rate Online/Dining/Grocery Delivery
Eligible Cardholder(s) Principal and Supplementary

Up to RM600 Cashback Annually

Always keeping tabs 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 categories such as:

  • Utility
  • Dining
  • Petrol
  • Grocery
  • Online, Dining and 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 up to 10% cashback! 

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:

  • Bars and Clubs
  • Packaged Beer, Wine and Liquor
  • Cigar Stores and Stands
  • Gambling Transactions
  • Dating & Escort Services

Eligibility and Required Documents

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

Another eligibility criterion is you must be earning a minimum of RM2,000 per month.

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

Self-Employed Salaried Employee Salaried Expatriate
Photocopy of IC (both sides) Photocopy of IC (both sides) Photocopy of Passport
Photocopy of Business Registration Form Latest EPF statement / 2 months salary slip Latest 2 months' salary slip
Latest Form B with an official tax receipt Choose either one:
  • Latest 3 months' bank statement
  • Latest EA Form
  • Latest BE Form with an official tax receipt
Photocopy of Letter of employment
- -    Working permit with a minimum validity of 1 year during the application
- - Proof of home address, i.e. utility bill

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 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 to convert your purchase into up to 36 monthly payments with a 0% interest rate
  4. CashXcess gives you some cash relief that can be paid over an instalment at a low rate

Annual Fee Waiver for RHB Islamic Cash Back Credit Card-i Cardholders

The annual fee for RHB Islamic Cash Back Credit Card-i is RM70 for the 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 an annual fee waiver when you spend a minimum of 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 the credit card anniversary date.

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