RHB Islamic Cash Back Credit Card-i
Up to 5% cashback on petrol, dining, utilities & groceries (10% online) — capped RM10/mo each, needs RM2,500+/mo spend
Apply for RHB Islamic Cash Back Credit Card-i →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
RHB Islamic Cash Back Credit Card-i overview
The RHB Bank RHB Islamic Cash Back Credit Card-i is a Platinum-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 has an annual fee of RM70 (free 1st year; waived at rm10,000/yr spend). Standout perks include a Shariah-compliant structure.
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
- ✓Shariah-compliant twin of the Cash Back Visa
- ✓First year free; RM70/yr after, waived with min. RM10,000/yr spend
Is the RHB Islamic Cash Back Credit Card-i worth it?
The RHB Islamic Cash Back Credit Card-i 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.
- +Annual fee waivable (free 1st year; waived at rm10,000/yr spend)
- +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)
- +Shariah-compliant — no conventional interest (riba)
- +Low income requirement — accessible to first-time applicants
- −RM70 annual fee unless the waiver condition is met
- −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 Islamic Cash Back Credit Card-i, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- Balance Transfer and Cash Advance transactions; annual card fees, profit charge, late payment charges and Card Services Tax; payments to charity/social-service organisations (MCC 8398); government-related payments; non-personal (business/commercial) spend; and void/cancelled/unauthorized transactions. Also no Cash Back on retail purchases paid via JomPay or FPX.
- Min spend to earn
- RM2,500+/mo total retail spend to reach the top (5%/10%) tier — 0.2%/1%/2% apply at lower monthly-spend tiers.
- How the cap works
- 5% cashback on petrol/dining/utilities/groceries capped at RM10/category/month; 10% on online dining/groceries capped at RM10/month; "Others" 0.2% uncapped. Cut-off for Cash Back calculation is the date immediately before the monthly statement cycle date.
- Foreign transaction fee
- Visa's own conversion rate plus a 1% administration cost on foreign-currency transactions, per RHB's general Islamic Credit Card Product Disclosure Sheet.
- ⚠This card earns Cash Back only — it does not award reward points.
- ⚠MCC misassignment by the acquiring bank/merchant is not RHB's liability.
- ⚠Cash Back awarded is final absent manifest error.
Verified 30 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 Islamic Cash Back Credit Card-iterms & product disclosure →RHB Islamic Cash Back Credit Card-i FAQ
You need a minimum annual income of RM24,000 (about RM2,000 a month). RHB Bank also considers your overall credit standing.
The annual fee is RM70, but it can be waived: free 1st year; waived at rm10,000/yr spend.
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.
Yes — it is a Shariah-compliant card-i, which avoids conventional interest (riba) and instead uses a Shariah-approved fee structure.
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". Weigh the RM70 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the RHB Islamic Cash Back Credit Card-i 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.