RHB Cash Back MasterCard Credit Card
RHB Cash Back MasterCard Credit Card
Get up to 10% cashback when you spend on petrol, dining, utility, grocery and online dining plus grocery. Truly a credit card that meets your daily needs!
Get a Apple AirPods Max 2 worth RM 2,299when you apply with CompareHero*
* T&Cs apply
Eligibility
Minimum monthly income
RM 2,000 (RM 24,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Document required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest EPF statement; or
- Latest 3 months salary slip
- Letter of employment (if working less than 6 months)
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
First year free and you spend RM10,000 each year on the subsequent years
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Benefits
- Earn 10% cashback on online dining and grocery categories and 5% cashback for petrol, dining, utilities and grocery categories when spending RM2,500 and above. Cashback is capped at RM10 per category per month.
- Earn up to 5% cashback when you fill up the tank at any petrol stations nationwide.
Product review by CompareHero
Live an extraordinary day with the RHB Cash Back MasterCard Credit Card, a credit card that rewards you with cashback for your daily needs.
RHB Cash Back MasterCard Credit Card Gives You Up to RM600 Cashback Annually
Do you always keep a tab on your daily expenses? Fret no more as the RHB Cash Back MasterCard Credit Card can help you save up to RM600 every year when spending on essentials such as:
- Online Dining/Grocery: For example, GrabFood, Food Panda, McDonald's Delivery, etc.
- Petrol: For example, Petron, Shell, Petronas, etc.
- Dining: For example, Madam Kwan, KFC, Secret Recipe, etc.
- Utility: For example, Astro, Maxis, TNB, etc.
- Grocery: For example, Jaya Grocer, Giant, AEON Supermarket, etc.
- Other Retail Spend
The cashback rate that you will earn is dependent on the total monthly spend on your RHB Cash Back MasterCard Credit Card, capped at RM10 per category.
Make a minimum total spend of RM2,500 every month to earn 10% cashback!
Annual Fee Waiver
For the first year, the RHB Cash Back MasterCard Credit Card is free of charge.
In subsequent years, the annual fee is RM70 but will be waived when you spend a minimum of RM10,000 on your Cash Back Credit Card.
Remember that the Sales and Service Tax of RM25 will be charged upon the anniversary date of your credit card. The annual fee is waived for supplementary cardholders.
Flexible Line of Credits
There are a slew of benefits to a credit card when you use it efficiently.
After all, it is made to extend your credit when you require it, whether to pay for your personal needs or daily expenses.
RHB Cash Back MasterCard Credit Card offers you:
- Smart Move Balance Transfer to consolidate all your credit card outstanding debts from other financial institution
- Smart Instalment to convert your purchase into affordable monthly payments
- CashXcess gives you some cash relief that can be paid over an instalment at a low rate
0% interest RHB Smart Move Balance Transfer Campaign
Looking to lessen your credit card debts? If you are a Principal or Primary cardholder of other banks’ credit card(s) issued in Malaysia, take this chance to transfer your outstanding balances to a new RHB credit card/-i at ZERO interest!
Valid until 31 December 2025 (“Campaign Period”), you can enjoy from 0% p.a. up to 6.88% p.a. with a minimum transfer amount of RM1,000 while the maximum amount is subject to the criteria set by the bank.
However, RHB Supplementary cards, RHB Business Credit Card, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i are not eligible for this balance transfer offer.
If you are keen, check out the RHB Smart Move Balance Transfer page for more details!
Otherwise, you can apply directly by visiting any RHB branch or calling the RHB Customer Contact Centre at 03 9206 8118.
RHB Dial-An-Instalment Campaign
An instalment plan can help you have a better cash flow if you wish to buy a big-ticket item. It’s even better if the plan has ZERO rate and you can do so with the RHB Dial-An-Instalment, subject to the campaign’s terms and conditions.
This campaign ends on 31 December 2025, so grab this chance to enjoy as low as 0% one-time upfront rates and stretch your payments for up to 24 months with a minimum transaction amount of RM500. No maximum purchase amount limit is applicable. Refer to the below table for your easy reference.
- For new RHB credit card/-i holders: (T&Cs)
| Tenure | Minimum Transaction Amount | One-time Upfront Rate/Actual Management Fee | Effective Rate |
| 12 months | RM500 | 0% | 0% |
- For existing RHB credit card/-i holders: (T&Cs)
| Tenure | Minimum Transaction Amount | One-time Upfront Rate/Actual Management Fee | Effective Rate |
| 6 months | RM500 | 2.50% | 8.25% |
| 12 months | RM1,000 | 5% | 9.10% |
| 18 months | RM1,000 | 7% | 8.67% |
| 24 months | RM1,000 | 9% | 8.41% |
The cards that are not eligible include RHB Business Credit Cards, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i.
If you are keen, make an application by giving a call to the RHB Customer Contact Centre at 03 9206 8118 to take part!
RHB CashXcess Campaign
From 1 January 2025 until 31 December 2025, you can enjoy as low as 4.88% interest per annum when you withdraw from your Principal RHB credit card via the RHB CashXcess plan, subject to the campaign’s terms and conditions.
Referring to the T&C, the minimum withdrawal is set at RM1,000 while the maximum amount is set up to 80% of your available RHB Credit Card/-i credit limit. Only the Principal cardholder(s) is eligible to participate in this campaign.
The cards that are not eligible to participate include the RHB Supplementary Cards, RHB Business Credit Card, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i.
If you are keen, make an application through RHB Online Banking to take part. Do ensure that your credit limit is sufficient before you apply!
Once your CashXcess application has been approved, the said amount will be debited accordingly to your RHB Credit Card/-i account.