RHB Shell Visa Credit Card
12% cashback at Shell stations (capped RM30/mo)
Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
RHB Bank 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 carries no annual fee.
Features & benefits
- ✓12% cashback at Shell stations (capped RM30/mo)
- ✓2% cashback on groceries & online spend
- ✓Shell SmartPoints fuel savings
- ✓Annual fee waived with min. RM12,000/yr spend
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.
- +Free for life — no annual fee
- +Up to 12% cashback on highest cashback rate
- +Low income requirement — accessible to first-time applicants
- −Cashback capped at RM30 a month
- −Top cashback applies only to specific categories (highest cashback rate)
- −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
Before you apply, read RHB Bank's official terms & Product Disclosure Sheet — the cashback caps, category exclusions and fees are all set out there.
📄 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.
No — the RHB Shell Visa Credit Card is free for life with no annual fee.
It earns up to 12% cashback on highest cashback rate, 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)". With no annual fee, there's little downside to holding it. 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.