RHB Shell Visa Credit Card
12% cashback at Shell stations (capped RM30/mo)
Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
RHB Shell Visa Credit Card overview
The RHB Bank RHB Shell Visa Credit Card is a Card-tier Visa cashback card built around cashback. 12% cashback at Shell stations (capped RM30/mo). 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 RM195 (free 1st year; waived thereafter with min. 24 card swipes/year).
Features & benefits
- ✓Top tier (>RM3,000/mo total spend): 12% cashback at Shell (RM30/mo cap), 5% on groceries, e-wallet/online & overseas spend (RM10/RM10/RM50 mo caps), 0.2% uncapped on everything else
- ✓Lower tiers (RM1,000–2,999.99/mo total spend) earn less across all categories — see fine print
- ✓Overseas (foreign-currency) spend earns cashback too, up to 5%, capped RM50/mo, min RM500/mo spend to qualify
- ✓First-year free; RM195/yr after, waived with min. 24 card swipes/year
Is the RHB Shell Visa Credit Card worth it?
The RHB Shell 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.
- +Annual fee waivable (free 1st year; waived thereafter with min. 24 card swipes/year)
- +Up to 12% cashback on tiered by total monthly eligible spend (rm1,000–2,999.99 / rm3,000+): shell petrol 3–5–12%, groceries/e-wallet-online/utilities 1–2–5%, overseas (fx spend) 1–2–5%, everything else flat 0.2%
- +Low income requirement — accessible to first-time applicants
- −RM195 annual fee unless the waiver condition is met
- −Cashback capped at RM30 a month
- −Top cashback applies only to specific categories (tiered by total monthly eligible spend (rm1,000–2,999.99 / rm3,000+): shell petrol 3–5–12%, groceries/e-wallet-online/utilities 1–2–5%, overseas (fx spend) 1–2–5%, everything else flat 0.2%)
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Cashback at a glance
Rewards everyday spending, up to RM30/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 Shell Visa Credit Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- No cashback on CashXcess, Balance Transfer, Dial-An-Instalment/Balance Conversion/Auto Balance Conversion instalments, Cash Advance, other instalment plans (e.g. Smart Instalment Payment Plan), or Quasi Cash (gambling/betting, cryptocurrencies). JomPay, DuitNow and FPX transactions count toward Total Eligible Spend but earn no cashback themselves, as do designated MCCs: 5541/5542/5983 (non-Shell petrol), 8398 (charity), 9211/9222/9223 (court costs/fines/bail), 9311 (tax), 9399/9402/9405 (government services). Annual fee, interest, late-payment charges and Card Service Tax are excluded from eligible spend entirely. No duplicate cashback across categories (e.g. online grocery counts once, as Grocery).
- Min spend to earn
- Rate is tiered by Total Monthly Eligible Spend: RM1,000–1,999.99/mo unlocks the lowest tier (3% Shell/1% others), RM2,000–2,999.99/mo the middle tier (5%/2%), >RM3,000/mo the top 12%/5% tier. Per-category minimum to earn that category's cashback: Shell petrol none, groceries RM250/mo, e-wallet top-up & online RM500/mo, utilities RM250/mo, overseas RM500/mo, others RM500/mo.
- How the cap works
- Separate monthly caps per category regardless of spend tier: Shell petrol RM30, groceries RM10, e-wallet top-up/online RM10, utilities RM10, overseas (foreign-currency) spend RM50, everything else uncapped at 0.2%. Cashback is computed on transaction posting date, cut off one calendar day before the statement cycle date.
- Foreign transaction fee
- Not stated in the Cash Back Programme T&C (that document only covers the cashback mechanics) — not confirmed on the card's own product page either. Left unconfirmed rather than assuming RHB's general cardmember-agreement rate applies unchanged to this card.
- Fee waiver
- First-year annual fee waived; RM195/year from year two, waived with a minimum of 24 card swipes per year — per the official product page's own fee schedule.
- ⚠The 12% headline rate only applies at the top spend tier (>RM3,000/mo Total Eligible Spend, combined across all categories) — falling short drops every category's rate, not just Shell petrol
- ⚠Overseas (foreign-currency) spend earns its own cashback tier (1–2–5%, RM50/mo cap, RM500/mo minimum) — a benefit the product page doesn't headline
Verified 22 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 Shell Visa Credit Cardterms & product disclosure →RHB Shell 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.
The annual fee is RM195, but it can be waived: free 1st year; waived thereafter with min. 24 card swipes/year.
It earns up to 12% cashback on tiered by total monthly eligible spend (rm1,000–2,999.99 / rm3,000+): shell petrol 3–5–12%, groceries/e-wallet-online/utilities 1–2–5%, overseas (fx spend) 1–2–5%, everything else flat 0.2%, capped at RM30 a month. 12% cashback at Shell stations (capped RM30/mo).
No — the RHB Shell 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 "12% cashback at Shell stations (capped RM30/mo)". Weigh the RM195 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the RHB Shell 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.