What are the benefits of RHB Shell Visa Credit Card?
The RHB Shell card provides you cash back for your daily spending. You can get up to 30% cash back when you fuel up at Shell and cash back up to 5% on groceries, utilities, e-Wallet Top Up and online spending, 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 RM800 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.
Are you Eligible For RHB Shell Credit Card ?
To be a principal card holder for RHB Shell 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 are the Fees and Charges of RHB Shell Visa Credit Card?
Annual fee for the first year is waived and for subsequent years, the annual fee (inclusive of Sales and Services Tax) for principal card holders is RM195 and for supplementary card holder is waived. 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 For cash withdrawal, you can withdraw up to RM5,000 and a fee of 5% of withdrawn amount or RM15 will be charged as cash withdrawal fee.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 Shell 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.
What is the maximum cashback rate for the RHB Shell Visa Credit Card-i?
The RHB Shell Visa Credit Card-i offers up to 12% cashback on Shell petrol stations per month, capped at RM30. This top rate is available when total monthly spending reaches RM3,000 or more. Lower tiers apply for monthly spending between RM1,000 and RM2,999.
How much do I need to spend to qualify for the 12% Shell petrol cashback?
You need a total monthly eligible spend of at least RM3,000 to unlock the 12% cashback rate on Shell petrol, capped at RM30 per month. Spending between RM2,000 and RM2,999 earns 5% (capped at RM30), and RM1,000 to RM1,999 earns 3% (capped at RM30).
Is the RHB Shell Visa Credit Card-i annual fee waived?
Yes. The annual fee for the RHB Shell Visa Credit Card-i is waived for the first year. From the second year onwards, the principal card annual fee is RM195 (inclusive of SST), which is waived if you make at least 24 card swipes per year.
What is the monthly cashback cap for each spending category?
Monthly cashback caps per category are: Shell petrol - RM30, Groceries - RM10, Online spending & e-Wallet top-up - RM10, Utilities - RM10, Overseas spend - RM50. Other retail spending earns 0.2% cashback with no monthly cap. These caps apply effective 8 September 2025.
Does the RHB Shell card offer cashback on overseas spending?
Yes. The RHB Shell Visa Credit Card-i includes overseas spend as an eligible cashback category, effective 8 September 2025. Cardholders can earn up to 5% cashback on overseas transactions, capped at RM50 per month, with a minimum spend of RM500 required per billing cycle.
Is the RHB Shell Visa Credit Card-i Shariah-compliant?
Yes. The RHB Shell Visa Credit Card-i is a Shariah-compliant Islamic credit card issued by RHB Islamic Bank Berhad under Islamic banking principles. It operates on a profit-based structure rather than conventional interest. Transactions at certain non-Shariah-compliant merchant categories are not eligible for cashback and may be declined.
Which e-wallets qualify for cashback with the RHB Shell Visa Credit Card-i?
The following e-wallets qualify for cashback when you top up with the RHB Shell Visa Credit Card-i: Touch 'n Go eWallet, GrabPay, Boost, BigPay, Lazada Wallet, WeChat Pay, and ShopeePay. Each top-up earns up to 5% cashback at Tier 3, capped at RM10 per month with a minimum spend of RM500.
Can I use the RHB Shell card at non-Shell petrol stations?
The boosted petrol cashback (up to 12%) is exclusive to Shell petrol stations in Malaysia. Spending at non-Shell petrol stations is not eligible for the petrol cashback tier. However, such transactions may qualify as Other Eligible Spend, earning 0.2% cashback with a minimum spend of RM500.
What is the minimum monthly income required to apply for the RHB Shell Visa Credit Card-i?
The minimum monthly income required to apply for the RHB Shell Visa Credit Card-i as a principal cardholder is RM2,000. Applicants must also be at least 21 years old. Supplementary cardholders must be at least 18 years old and there is no income requirement for supplementary applicants.
How does the RHB Shell card cashback compare to its headline rate?
The advertised rates (up to 12% Shell, 5% groceries) apply only at Tier 3 (RM3,000+ monthly spend) and are subject to per-category monthly caps. Effective cashback at Tier 3 for a typical spend mix (excluding overseas) is approximately 2.1% to 3.7%. Cardholders with significant overseas spending can earn closer to the maximum.
How to redeem campaign gift?
Kindly refer HERE for the clear timeline on full application and gift redemption process
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