What are the benefits of RHB Cash Back credit 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.
What are the Fees and Charges of RHB Cash Back credit card?
The RHB Cash Back Credit Card offers a waived annual fee for the first year, with a RM70 fee in subsequent years, which is waived if a minimum annual spend of RM10,000 is met. Late payment charges are RM10 or 1% of the outstanding balance, capped at RM100, while the minimum monthly payment is RM50 or 5% of the outstanding balance, whichever is higher. Cash withdrawals are allowed up to RM5,000 with a fee of 5% of the withdrawn amount or RM15, and an interest rate of 18% per annum applies.
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!
What is the cashback cap on the RHB Cash Back Credit Card?
The RHB Cash Back Credit Card caps cashback at RM10 per category per month. This applies to all eligible categories including online dining and grocery delivery, petrol, dining, utilities, and groceries. The maximum total monthly cashback across all categories combined is RM600 per year (equivalent to RM50 per month) if you consistently hit the top spending tier.
What is the minimum monthly spend to earn 10% cashback?
You need a minimum total monthly spend of RM2,500 on your RHB Cash Back Credit Card to qualify for the 10% cashback tier on online dining and grocery delivery. For petrol, dining, utilities, and groceries at this same spending level, the cashback rate is 5%. The 10% rate is specific to online dining and grocery delivery transactions only.
How does the RHB Cash Back Credit Card cashback tier system work?
The cashback rate adjusts based on your total monthly spend: spending RM2,500 and above earns 10% on online dining/grocery delivery and 5% on petrol, dining, utilities, and groceries; spending between RM2,000 and RM2,499 earns 2% across eligible categories; spending between RM1,000 and RM1,999 earns 1%; and spending below RM1,000 earns 0.2%. All other retail spending earns a flat 0.2% regardless of tier.
Is the annual fee on the RHB Cash Back Credit Card really free?
The annual fee is waived for the first year. From the second year onward, the annual fee is RM70, but this is waived if you spend a minimum of RM10,000 on the card in that year. An RM25 Sales and Service Tax (SST) is charged on the anniversary date of your card regardless of fee waiver status. The annual fee for supplementary cardholders is permanently waived.
What is the minimum income required to apply for the RHB Cash Back Credit Card?
The minimum monthly income requirement for the RHB Cash Back Credit Card is RM2,000 (equivalent to RM24,000 per annum). This applies to the principal cardholder. Supplementary cardholders must be at least 18 years old. The principal cardholder must be at least 21 years old.
Which petrol stations qualify for cashback on the RHB Cash Back Credit Card?
Cashback applies at all petrol stations in Malaysia, including Petronas, Shell, Petron, and Caltex. There is no restriction to a single brand, which gives this card an advantage over co-branded petrol cards that limit cashback to one chain. The cashback rate on petrol is capped at RM10 per month.
Does the RHB Cash Back Credit Card cover GrabFood and Foodpanda orders?
Yes. Online dining and grocery delivery platforms such as GrabFood, Foodpanda, and McDonald's Delivery fall under the online dining and grocery delivery category, which earns the highest cashback rate of up to 10% when your total monthly spend reaches RM2,500 or more. The cashback for this category is capped at RM10 per month.
Is there an Islamic version of the RHB Cash Back Credit Card?
Yes. The RHB Cash Back Credit Card-i is the Shariah-compliant equivalent of the conventional RHB Cash Back Credit Card. It operates under the Shariah concept of Ujrah and carries the same cashback structure, fee schedule, and eligibility criteria. Cardholders should note that the card-i can only be used for transactions involving halal goods and services.
How do I maximise cashback on the RHB Cash Back Credit Card?
To maximise cashback, target a total monthly spend of at least RM2,500. Focus spending on the five eligible categories: online dining and grocery delivery (10%), and petrol, dining, utilities, and groceries (5% each). Since each category is capped at RM10 per month, spreading spending across all five categories can yield up to RM50 in cashback per month, or RM600 annually.
What transactions are excluded from cashback on the RHB Cash Back Credit Card?
Cashback is not earned on cash advances, balance transfers, annual fees, taxes, government payments, quasi-cash transactions, and transactions processed outside the eligible merchant category codes (MCCs). Duplicate cashback is not awarded when a transaction appears under both the online and in-store categories simultaneously. Refer to the full MCC exclusion list on the RHB website for the complete terms.
How to redeem campaign gift?
Kindly refer HERE for the clear timeline on full application and gift redemption process
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