RHB Islamic Cash Back Credit Card-i
RHB Islamic Cash Back Credit Card-i
A credit card that meets your daily needs - up to 10% cashback every month when spending on petrol, dining, utility, online and grocery delivery!
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* 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 up to 10% cashback when you spend above RM2,500 per month on selected categories, capped at RM10 for every category. Other spending gets you an unlimited 0.2% cashback!
- Earn up to 5% cashback when you fill up the tank at any petrol stations nationwide.
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Up to RM600 Cashback Annually
Always keeping tabs on your expenses? Worry not as RHB Islamic Cash Back Credit Card-i can help you save up to RM600 every year when spending on essential categories such as:
- Utility: For example, Maxis, Astro, TNB, etc.
- Dining: For example, KFC, Secret Recipe, Madam Kwan, etc.
- Petrol: For example, Petronas, Shell, BHP, etc.
- Grocery: For example, Giant, AEON Supermarket, Jaya Grocer, etc.
- Online Dining and Grocery Delivery: For example, GrabFood, Food Panda, McDonald's Delivery, etc.
- Other Retail Spend
The cashback rate that you will earn is dependent on the total monthly spend on your RHB Islamic Cash Back Credit Card-i, capped at RM10 per category.
Make a minimum total spend of RM2,500 every month to earn up to 10% cashback!
Made for Halal Transactions
Please note that this Islamic credit card operates under the Shariah concept of Ujrah.
So keep in mind that you can only swipe your Cash Back Credit Card-i on Halal goods and services.
RHB Islamic Bank will decline any payment charged to your credit card-i for transactions in the following situations:
- Bars and Clubs
- Packaged Beer, Wine and Liquor
- Cigar Stores and Stands
- Gambling Transactions
- Dating & Escort Services
Eligibility and Required Documents
Any individual aged 21 to 60 years old (principal card) and 18 years old (supplementary card) can apply for RHB Islamic Cash Back Credit Card-i.
Another eligibility criterion is earning a minimum of RM2,000 per month.
To complete your RHB Islamic credit card application, remember to prepare the documents below:
| Self-Employed | Salaried Employee | Salaried Expatriate |
| Photocopy of IC (both sides) | Photocopy of IC (both sides) | Photocopy of Passport |
| Photocopy of Business Registration Form | Latest EPF statement / 2 months salary slip | Latest 2 months' salary slip |
| Latest Form B with an official tax receipt |
Choose either one:
|
Photocopy of Letter of employment |
| - | - | Working permit with a minimum validity of 1 year during the application |
| - | - | Proof of home address, i.e. utility bill |
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 Islamic Cash Back Credit Card-i offers you:
- Smart Pay to make monthly auto-payments on Telekom, Maxis, Digi, Astro and other bills
- Smart Move Balance Transfer to consolidate all your credit card outstanding debts from other financial institution
- Smart Instalment to convert your purchase into up to 36 monthly payments with a 0% interest rate
- 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.
Annual Fee Waiver for RHB Islamic Cash Back Credit Card-i Cardholders
The annual fee for RHB Islamic Cash Back Credit Card-i is RM70 for the principal card, whereas free of charge for supplementary cards.
Interestingly, RHB Islamic Bank is waiving the annual fee for this cashback credit card for the first year.
From the second year onward, you can enjoy an annual fee waiver when you spend a minimum of RM10,000 in a year on your Cash Back Credit Card-i.
Remember that the Sales and Service Tax of RM25 must be paid upon the credit card anniversary date.