RHB Shell Visa Credit Card

Fueling up at Shell gets more rewarding as you get to earn up to 12% cashback! Everyday spending such as grocery or e-wallet reload gets you attractive cashback too.

RHB Shell Visa Credit Card12% cashback for fueling at Shell
Min. Income
RM2,000/month
Annual Fee
Free*
Cashback
up to 12%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Apple iPhone 16 Pro
worth RM4999
when you apply through RinggitPlus *

Apple iPhone 16 Pro

Our Previous Winners

Cashback

Get up to 12% cashback when you fuel up at any Shell station nationwide. Everyday spending such as Grocery, Online, E-Wallet Reload, Utilities and others gets you attractive and unlimited cashback too.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Petrol Spend at Shell12%RM50from RM2,500 or above monthly
Petrol Spend at Shell8%RM50from RM1,500up to RM2,499 monthly
Petrol Spend at Shell5%RM50from RM800up to RM1,499 monthly
Grocery, Online Spend, E-Wallet Reload & Utilities5%RM50from RM2,500 or above monthly
Grocery, Online Spend, E-Wallet Reload & Utilities2%RM50from RM1,500up to RM2,499 monthly
Grocery, Online Spend, E-Wallet Reload & Utilities1%RM50from RM800up to RM1,499 monthly
Other Spend0.2%uncappedfrom RM2,500 or above monthly
Other Spend0.2%uncappedfrom RM1,500up to RM2,499 monthly
Other Spend0.2%uncappedfrom RM800up to RM1,499 monthly

Petrol

Enjoy up to 12% cashback for fueling at any Shell station nationwide, capped at RM50 every month.

Premium

Enjoy VISA Ecommerce Purchase Protection that will automatically be activated when you shop at any online store globally.

Balance Transfer

Transfer your outstanding balance from other credit cards to an RHB credit card via the Smart Move Balance Transfer plan. Enjoy a special offer of 0% interest per annum over a 12-month tenure. Terms and conditions apply!

Pay OverWith Interest Rate AtWhen You Transfer
12 months0% p.a.and no one-time upfront handling feefrom RM1,000
6 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

Get that dream item of yours and enjoy 0% interest with RHB Smart Instalment for up to 36 months with participating merchants.

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
  • RM195 primary card

    First year free

    Waived when you swipe minimum 24 times 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
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 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. Use the 100% available credit limit under this plan.
Cash Advance / Cash Loan
RHB CashXcess
Need extra cash? You can withdraw from your principal RHB Credit Card/-i via this plan and enjoy zero interest rates, valid until 31 December 2024.
Balance Transfer Plans
RHB Smart Move Balance Transfer
Enjoy great savings with a 0% interest rate per annum for 12 months to repay and consolidate your debt from other credit cards to your new RHB credit card.

Review

Our everyday spending now gets even more rewarding with attractive cashback on every swipe and transaction with RHB Shell Visa credit card.

Petrol cashback with RHB Shell Visa Credit Card

With the increased petrol price lately, fueling up our car can get a bit frustrating especially if you’re always on the go. Let the RHB Shell Visa card mend that frustration of yours with its attractive petrol cashback of up to 12% every month. 

To earn the cashback, you just need to fuel up at any Shell petrol station nationwide. Let’s take a look at the cashback tiers for your Shell petrol transactions:

Total Monthly Spend (RM) Cashback Monthly Cap (RM)
800 - 1499.99 5% 50
1500 - 2499.99 8%
2500 & above 12%

Up to 5% cashback for essential transactions

Apart from petrol, you can save much more on your essential shopping every month with an RHB Shell Visa credit card. Depending on your total monthly spend as well, each cashback you get will be capped at RM50 per month. 

The eligible everyday spending categories to earn cashback are Grocery, Online Spending, E-Wallet Reload and Utilities. Check out the cashback tiers below:

Total Monthly Spend (RM) Cashback for Grocery, Online Spend, E-Wallet Reload & Utilities Monthly Cap (RM)
800 - 1499.99 1% 50
1500 - 2499.99 2%
2500 & above 5%

For a full list of merchants do click here. Some of the eligible merchants include:

  • Grocery: Aeon Supermarket, Giant, Jaya Grocer, and other hypermarkets/supermarkets
  • Online Spend: GrabFood, Food Panda, Zalora, and other online platforms
  • E-Wallet Reload: Touch ‘n Go eWallet, GrabPay, Boost, BigPay, Lazada Wallet, WeChat Pay, and Shopee Pay
  • Utilities: Astro, Celcom, Maxis, TNB, and other utility billers

Unlimited cashback for other types of spending

Yes, you’ve read it right! Other types of spending outside of the categories mentioned above also get you unlimited 0.2% cashback every month.

Total Monthly Spend (RM) Cashback Monthly Cap (RM)
800 - 1499.99 0.2% 50
1500 - 2499.99 0.2%
2500 & above 0.2%

VISA Ecommerce Purchase Protection Programme

If you fancy shopping via online platforms, you can enjoy this Ecommerce Purchase Protection programme by VISA exclusively for RHB Shell Visa credit cardholders. What’s great is that this program is eligible for any online platform both local and international. Here are some benefits that you can find from this programme:

  • Your purchases will be covered by losses due to non-delivery or incomplete delivery, plus physical damage to your purchased goods.
  • Automatically activated when an item is purchased
  • Claims and insurance details can be made available online from the AIG Cardholder Insurance Portal

0% Interest RHB Smart Move Balance Transfer Campaign

Looking to lessen your credit card debts? If you are a Principal or Primary cardholder of other banks’ credit card(s) issued in Malaysia, take this chance to transfer your outstanding balances to a new RHB credit card/-i at ZERO interest!

Valid from now until 31 December 2024 (“Campaign Period”), you can enjoy 0% interest over 12 months of a balance transfer plan with a minimum transfer amount of RM1,000, subject to the campaign’s terms and conditions. The maximum transfer amount would be up to RM30,000 but this is subject to 80%* of your available RHB Credit Card/-i credit limit.

Additionally, this campaign applies to new-to-bank credit cardholders and you can make an application within two (2) months from your new RHB Credit Card/-i approval date.

Any RHB Supplementary cards, RHB Business Credit Card, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i are not eligible for this balance transfer campaign.

If you are keen, make an application by visiting any RHB branch or give a call to the RHB Customer Contact Centre at 03 9206 8118 to take part!

RHB Dial-An-Instalment Campaign

An instalment plan can help you have a better cash flow if you wish to buy a big-ticket item. It’s even better if the plan has ZERO rate and you can do so with the RHB Dial-An-Instalment, subject to the campaign’s terms and conditions.

This campaign ends on 31 December 2024, so grab this chance to enjoy a 0% one-time upfront rate and stretch your payments to 3, 6 or 12 months with a minimum transaction amount of RM300, RM500 and RM1,000 respectively. No maximum purchase amount limit is applicable. Refer to the below table for your easy reference.

Tenure Minimum Transaction Amount One-time Upfront Rate/Actual Management Fee Effective Rate
3 months RM300 0% 0%
6 months RM500 0% 0%
12 months RM1,000 0% 0%

You must be a new-to-RHB Credit Card/-i holder and you can only take part within three (3) months from the month that your new RHB card/-i is approved to participate in this campaign. The cards that are not eligible include RHB Business Credit Cards, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i.

If you are keen, make an application by giving a call to the RHB Customer Contact Centre at 03 9206 8118 to take part!

RHB CashXcess Zero Interest Campaign

From 1 January 2024 until 31 December 2024, you can enjoy 0% interest per annum when you withdraw from your Principal RHB credit card via the RHB CashXcess plan, subject to the campaign’s terms and conditions.

Referring to the T&C, the minimum withdrawal is set at RM1,000 while the maximum amount is set at up to RM30,000 subject to 80% of your available RHB Credit Card/-i credit limit. Only the Principal cardholder(s) is eligible to participate in this campaign and the CashXcess application must be approved within two (2) months from your RHB Credit Card/-i approval date.

The cards that are not eligible to participate include the RHB Supplementary Cards, RHB Business Credit Card, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i.

If you are keen, make an application by visiting any RHB branch near you or give a call to the RHB Customer Contact Centre at 03 9206 8118 to take part.

Once your CashXcess application has been approved, the said amount will be debited accordingly to your RHB Credit Card/-i account. Do ensure that your credit limit is sufficient before you apply!

Search Icon

Header text goes here

Featurebox

Description text goes here