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Apply for RHB Cash Back Credit Card

RHB CASH BACK CREDIT CARD rewards you with great savings on your daily essentials spend. Get up to 10% cash back when you spend on petrol, dining, utilities, grocery, online dining/grocery delivery and other categories.

Apply
Annual Fee

N/A

Annual Fee

Free*

Cashback

N/A

Balance Transfer

N/A

Easy Payment Plan

N/A

Interest Rate

N/A

Interest-Free

N/A

Product Highlights
On Cash Advance

18% per annum will be levied on each cash advance calculated from the date of cash advance until it is fully settled. Platinum Business: 15% p.a. of the cash advance amount calculated on a daily basis

Balance Transfer/CashXcess/Dial-An-Instalment

Balance Transfer (BT), CashXcess (CX) and Dial-An-Instalment (DAI) rates are not fixed and is subject to change. Kindly refer to www.rhbgroup.com for the latest rates.

Automatic Balance Conversion

An auto balance conversion for eligible Cardmember in every 12 months by converting the credit card outstanding balances (with a minimum amount of RM1,000) into a 3 years term loan, at an effective interest rate of 13% per annum. Cardmember has the flexib

Overseas Transaction Conversion Fee

If a transaction is made in foreign currency, Mastercard or VISA, depending on which card is used, will convert the transaction into a Ringgit Malaysia equivalent at the conversion rate as determined by Mastercard or VISA as at the date it is processed by

Excess Limit Fee

A fee of RM50 may be charged whenever the Total Outstanding Balance exceeds the combined card limit due to excess limit transactions.

Product Details
Features
  • Cash Back
    RHB CASH BACK CREDIT CARD rewards you with great savings on your daily essentials spend. Get up to 10% cash back when you spend on petrol, dining, utilities, grocery, online dining/grocery delivery and other categories. Kindly refer to the table below for Cash Back % by spend category:
    Tier Total Monthly Retail Spend
    (RM)
    Cash Back
    Petrol Dining Utilities Grocery Online Dining/
    Grocery Delivery
    Other spend
    1 1.00 – 999.99 0.2% 0.2% 0.2% 0.2% 0.2% 0.2%
    2 1,000.00 – 1,999.99 1.0% 1.0% 1.0% 1.0% 1.0% 0.2%
    3 2,000.00 – 2,499.99 2.0% 2.0% 2.0% 2.0% 2.0% 0.2%
    4 ≥ 2,500.00 5.0% 5.0% 5.0% 5.0% 10.0% 0.2%
    Monthly Capping (RM) RM10 per month RM10 per month RM10 per month RM10 per month RM10 per month unlimited
    For the list of Merchant Category Code (MCC) which are eligible for Cash Back, please click here

    Petrol Get Cash Back on all petrol stations. Example of Petrol merchants:
    Caltex, Petron, Petronas, Shell, All other petrol stations
    Dining Spend on your dining & get cash back up to 5%. Example of Dining merchants:
    McDonald’s, KFC, Secret Recipe, Madam Kwan, All other restaurants
    Utility Bills An easier way to deal with your phone, internet and utility bills. Example of Utility merchants:
    Astro, Celcom, Maxis, Tenaga Nasional Berhad, All other utilitiy billers
    Groceries Stock up in bulk and it still wouldn't be a problem. Example of Grocery merchants:
    Aeon Supermarket, Cold Storage, Giant, Jaya Grocer, Other hypermarkets or supermarkets
    Online Dining / Groceries Enjoy Cash Back for spending on Dining & Groceries via online mode. Example:
    GrabFood, Food Panda, DeliverEat, Mcdonald’s Delivery, Tesco Online, Other Online Dining & Groceries

  • Other Benefits
    As a Cash Back Credit Card holder, you can enjoy the RHB Smart Services as below:
    RHB Smart Services
    - Smart Pay so that you can auto pay your monthly Telekom, Maxis, Digi, Astro and other bills
    - Smart Move where you can balance transfer from any other credit card at attractive rates
    - Smart Instalment at 0% interest for up to 36 months at selected merchants
    - CashXcess allows you to withdraw cash from your credit card with attractive rates and repayment period up to 36 months

  • Principal Card
    - First year: No Annual Fees.
    - Subsequent years:
    RM70 per annum.
    (will be waived if cardholder spends RM10,000 in a year.)

  • Supplementary Card
    Annual Fees waived.


Fees & Charges
Annual Fee For Primary Card First year: No Annual Fees. - Subsequent years: RM70 per annum. (will be waived if cardholder spends RM10,000 in a year.)
Annual Fee For Supplementary Card waived
Minimum Monthly Payment 50
Late Payment Fee Maximum of 1% of the outstanding balance or a minimum of RM10, whichever is higher, subject to a maximum of RM100.00
Cash Withdrawal Fee 5% of the transaction amount or a minimum of RM15.00, whichever is higher, will be charged on all cash withdrawals and licensed betting transactions. Any applicable taxes imposed from time to time are applicable for these charges
Interest Rate On Cash Withdrawals 5% of the transaction amount or a minimum of RM15.00, whichever is higher, will be charged on all cash withdrawals and licensed betting transactions. Any applicable taxes imposed from time to time are applicable for these charges


Interest Rate
Cardmembers who promptly settle their minimum payment due for 12 consecutive months. 1.25% per month 15% per annum
Cardmembers who promptly settle their minimum payment due of at least 10 months or more in a 12-month cycle. The 12 months minimum payment due cycle will not apply to new cardmember 1.42% per month 17% per annum
Cardmembers who do not fall within the above categories. 1.50% per month 18% per annum


Requirements
Minimum Annual Income RM 24,000
Minimum Age For Primary Card 21 years old
Who Can Apply
Please key in your details

Full Name (as per IC)*

Identification Number*

Email*

Mobile Number*

Annual Income*

RM


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