• Min. Monthly Income

    RM2,000.00

  • Interest Rate

    15% p.a.

  • Balance Transfer

    4% p.a.

  • Annual Fee

    RM74.20

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Feature Highlights
  • Up to 10% cashback for Online Dining & Groceries Delivery
  • 5% Cash Back on Petrol, Dining, Utility, Grocery
  • Up to 0.2% cashback for other retail spending
Dining
8.5/10
Petrol
8.5/10
Utilities
9/10
Groceries
9/10
Shopping
8.5/10

Dining

  • 10% cash back (on all online dining & grocery (delivery) if total monthly spending is RM2,501 and above)
  • 2% cash back (on all online dining & grocery (delivery) if total monthly spending is between RM1,501 and RM2,500)
  • 1% cash back (on all online dining & grocery (delivery) if total monthly spending is between RM500 and RM1,500)

Petrol

  • 5% cash back (on all petrol statations if total monthly spending is RM2,501 and above)
  • 2% cash back (on all petrol stations if total monthly spending is between RM1,501 and RM2,500)
  • 1% cash back (on all supermarkets if total monthly spending is between RM500 and RM1,500)

Utilities

  • 5% cash back (on all utilities if total monthly spending is RM2,501 and above)
  • 2% cash back (on all utilities if total monthly spending is between RM1,501 and RM2,500)
  • 1% cash back (on all utilities if total monthly spending is between RM500 and RM1,500)

Groceries

  • 5% cash back (on all groceries if total monthly spending is RM2,501 and above)
  • 2% cash back (on all groceries if total monthly spending is between RM1,501 and RM2,500)
  • 1% cash back (on all groceries if total monthly spending is between RM500 and RM1,500)

Shopping

  • 0.2% cash back (on all other retail spending)

Other Features

  • Cash Back Exclusions

    • No Cash Back for Cash Advance, Balance Transfer, Quasi Cash, Charity, Government agencies transactions

    • Balance Transfer

    • 0% per annum for a tenure of 12 months; one-time upfront fee of 4% of transferred amount imposed

    • Instalment Plan

    • 0% interest Installment Payment Plan at all participating merchants

Card Information

Annual Fee RM74.20 (Free for the first year)
Min. Monthly Income RM2,000.00
Min. age for principal holder

21 and above
Min. age for supplementary holder

18 and above
Fee for supplementary holder RM42.40
Finance charges 15% p.a. - prompt payment for 12 consecutive months

17% p.a. - prompt payment for at least 10 out of 12 months

18% p.a – if any of the above are not met
Sales and Services Tax (SST)

0% on annual fees and other charges
Late payment charge

RM10 or 1% of outstanding balance (whichever is higher), with maximum charge of RM100
Cash advance amount

RM5,000 daily
Cash advance charge

Higher of RM15 or 5.0% of cash advance amount
Cash advance interest charge

18% per annum on cash advance amount
Cashback Limit

RM50 per month
Rewards points expiry

N/A

Product Review by iMoney Malaysia

RHB CASH BACK CARD

The RHB Cash back card provides you cash back for you daily spending. You can get up to 10% cash back on your online Dining & Grocery (Delivery) and cash back up to 5% on petrol, utilities and dining,if your total monthly spending exceeds RM2,501. If your monthly spending is between RM1,501 and RM2,500, you will get 2% cash back for these categories and if your monthly spending is between RM500 to RM1,500, you can get 1% cash back. Besides that, you can get 0.2% cash back for other retail spending with a minimum total monthly spending of RM500.

Fees and Charges

Annual for the first year is waived and for subsequent years, the annual fee (inclusive of Sales and Services Tax) for principal card holders is RM74.20 and for supplementary card holder is RM42.40. If you do not make your payment on time, you will incur a late payment fee of RM10 or 1% of outstanding amount, up to a maximum fee of RM100. You can make a minimum monthly payment of RM50 or 5% of your outstanding amount if you are unable to make full payment of your outstanding balance. For cash withdrawal, you can withdraw up to RM5,000 and a fee of 5% of withdrawn amount or RM15 will be charged as cash withdrawal fee. Interest rate for cash withdrawal is 18% per annum. If you make your payment for RHB Cash Back Credit Card for 12 consecutive months, you can get an interest of 15% per annum. If you have made payment for 10 out of 12 months, you will get an interest of 17% per annum and you will get 18% per annum if both criteria were not fulfilled.

Are You Eligible For RHB Cash Back Credit Card?

To be a principal card holder for RHB Cash Back Credit Card, you need to be at least 21 years old and earn a minimum monthly income of RM2,000. You need to be at least 18 years old to be a supplementary card holder.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as RHB Rewards Credit Card and Standard Chartered WorldMiles Card, which may match your requirements.

If you prefer to broaden your credit card search, review more RHB credit cards and start comparing today!