RHB Cash Back Visa Credit Card
Up to 5% cashback on petrol, dining, utilities & groceries (10% online) — capped RM10/mo each, needs RM2,500+/mo spend
Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
RHB Bank RHB Cash Back Visa Credit Card overview
The RHB Bank RHB Cash Back Visa Credit Card is a Card-tier Visa cashback card built around cashback. Up to 5% cashback on petrol, dining, utilities & groceries (10% online) — capped RM10/mo each, needs RM2,500+/mo spend. It best suits entry-level applicants and first-time cardholders, with a minimum income requirement of RM24,000 a year. It carries no annual fee.
Features & benefits
- ✓Tiered cashback by monthly spend: petrol/dining/utilities/groceries at 5% once RM2,500+/mo is hit (0.2%/1%/2% below that), each capped RM10/mo
- ✓10% cashback on online dining/groceries at the top tier (RM10/mo cap)
- ✓0.2% uncapped cashback on all other spend
- ✓Annual fee waived with min. RM12,000/yr spend
Is the RHB Cash Back Visa Credit Card worth it?
The RHB Cash Back Visa Credit Card is best suited to entry-level applicants and first-time cardholders — its minimum income requirement is RM24,000 a year (about RM2,000 a month). As a cashback card, it works best for everyday spenders who want straightforward rebates on categories like petrol, groceries and dining.
- +Free for life — no annual fee
- +Up to 5% cashback on petrol, dining, utilities & groceries (5% each, rm10/mo cap); online dining/groceries (10%, rm10/mo cap); all other spend (0.2%, uncapped) — top rate needs rm2,500+/mo total retail spend (0.2%/1%/2% at lower spend tiers)
- +Low income requirement — accessible to first-time applicants
- −Cashback capped at RM50 a month
- −Top cashback applies only to specific categories (petrol, dining, utilities & groceries (5% each, rm10/mo cap); online dining/groceries (10%, rm10/mo cap); all other spend (0.2%, uncapped) — top rate needs rm2,500+/mo total retail spend (0.2%/1%/2% at lower spend tiers))
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Cashback at a glance
Rewards several everyday categories, up to RM50/month. The maximum is the published monthly cap; actual cashback depends on the exact eligible categories, exclusions and minimum-spend terms — confirm the fine print below before you apply.
Eligibility & how to apply
Requirements are general guidance — RHB Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the RHB Cash Back Visa Credit Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- No cashback on alcohol (packaged beer, wine and liquor), cigar stores or gambling transactions; no double-counting when a transaction fits multiple categories; personal (non-business) spend only.
- Min spend to earn
- RM2,500 total monthly spend to unlock the headline 10%/5% rates
- How the cap works
- RM10 monthly cap per category across the five bonus categories (petrol, dining, utilities, grocery, online food & grocery delivery); other retail spend earns 0.2% uncapped. Cashback is computed on posting date with a cut-off one day before the statement cycle.
- Foreign transaction fee
- Visa's own conversion rate plus a 1% administration cost on transactions made in foreign currencies, per RHB's general Credit Card Product Disclosure Sheet ("Overseas Transaction Conversion Fee").
- Fee waiver
- First year waived; RM70 subsequent-year fee waived with RM10,000 annual spend.
- ⚠Eligible merchants are defined by RHB's published MCC list — spend outside those codes earns only 0.2%
- ⚠Transactions posting on the statement-cycle date roll into the next month's cycle
Verified 2 August 2026. Summarised in our own words from RHB Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official RHB Cash Back Visa Credit Cardterms & product disclosure →RHB Cash Back Visa Credit Card FAQ
You need a minimum annual income of RM24,000 (about RM2,000 a month). RHB Bank also considers your overall credit standing.
No — the RHB Cash Back Visa Credit Card is free for life with no annual fee.
It earns up to 5% cashback on petrol, dining, utilities & groceries (5% each, rm10/mo cap); online dining/groceries (10%, rm10/mo cap); all other spend (0.2%, uncapped) — top rate needs rm2,500+/mo total retail spend (0.2%/1%/2% at lower spend tiers), capped at RM50 a month. Up to 5% cashback on petrol, dining, utilities & groceries (10% online) — capped RM10/mo each, needs RM2,500+/mo spend.
No — the RHB Cash Back Visa Credit Card is a conventional credit card. Check with RHB Bank for any Islamic (card-i) equivalent.
It's a good fit for entry-level applicants and first-time cardholders who want cashback — its main draw is "Up to 5% cashback on petrol, dining, utilities & groceries (10% online) — capped RM10/mo each, needs RM2,500+/mo spend". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the RHB Cash Back Visa Credit Card compares
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Rates, fees and promotions are indicative and time-limited — always confirm current terms with RHB Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by RHB Bank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.