RHB Shell Visa Credit Card-i
RHB Shell Visa Credit Card-i
Often fueling up your car at Shell? Earn cashback of up to 12% all year long. Spending on your everyday essentials also can earn you up to 5% cashback!
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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 swipe minimum 24 times on the subsequent years
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Benefits
- Fuel up your car at any Shell station nationwide to get up to 12% cashback all year long. Everyday spending such as grocery shopping, online shopping, e-wallet reload and paying for utilities can earn you up to 5% cashback.
- Up to 12% cash back for fuel spending at Shell petrol station all year long, capped at RM30 per month.
Product review by CompareHero
Why should I choose RHB Shell Visa Credit Card-i?
Fueling your car these days can be expensive especially if you are always on the road. If you are looking for ways to save money for petrol spending, why not take advantage of a petrol credit card?
Co-branded with Shell, this Islamic credit card offers attractive tiered cashback not just for fuel spending but also for your necessary expenses such as grocery, e-wallet reload, online spending as well as utility payments. Because it’s tiered, the cashback that you may get is therefore fully dependent on how much you spend every month.
Here’s a brief look below at the tiered cashback amount that you may get to earn from fueling at Shell station using this card.
| Total Monthly Spend (RM) | Shell Petrol Spending |
| 2,500 and above | 12% |
| 1,500 - 2,499.99 | 8% |
| 800 - 1,499.99 | 5% |
| Monthly Cap | RM50 for each tier |
Allow great savings for your everyday essentials
Say, if you are someone who drives less frequently and spends quite a moderate amount on petrol every month, you may find the Shell petrol cashback not exactly beneficial for you. However, that doesn’t mean that this card isn’t worth being the next best cashback credit card for your monthly expenses.
If you are a big spender who most of the time spends thousands a month on groceries, online spending, utility payments and e-wallet reload, the RHB Shell Visa Credit Card-i offers you up to 5% cash back with a monthly cap of RM50 on these categories. You may also earn 0.2% cash back on other retail purchases.
| Total Monthly Spend (RM) | Groceries, E-Wallet Top Up, Online Spend and Utilities | Other Retail Spending |
| 2,500 and above | 5% | 0.2% |
| 1,500 - 2,499.99 | 2% | 0.2% |
| 800 - 1,499.99 | 1% | 0.2% |
| Monthly Cap | RM50 | Unlimited |
Notes: Effective launch date for new cashback tiers will be postponed until further notice from RHB Bank.
Additionally, RHB has a list of eligible merchant category codes and examples for the cashback above for your reference. You can check them out here. But if you need a quick browse, below are some of the eligible participating merchants.
Groceries:
- Jaya Grocer
- AEON Supermarket
- Giant
- Other supermarkets and hypermarkets
Online:
- GrabFood
- Food Panda
- Zalora
- McDonald’s Delivery
- Other online platforms
E-Wallet:
- GrabPay
- Touch ‘n Go eWallet
- Boost
- BigPay
- Lazada Wallet
- Shopee Pay
- WeChat Pay
Utilities:
- Astro
- Celcom
- Maxis
- TNB
- Other utility billers
Moreover, due to the Islamic nature of this credit card, the transactions below are prohibited from earning any cashback and will be declined.
- Beer, Wine and Liquor
- Cigar Stores and Stands
- Gambling
- Dating and Escort Services
- Government Owned Lotteries (US region only)
- Government Licensed Online Casinos (Online Gambling and US region only)
- Government Licensed Horse/Dog Racing (US region only)
VISA Ecommerce Purchase Protection Programme
If you fancy shopping via online platforms, you can enjoy this Ecommerce Purchase Protection programme by VISA exclusively for RHB Shell Visa credit cardholders. What’s great is that this program is eligible for any online platform both local and international. Here are some benefits that you can find from this programme:
- Your purchases will be covered by losses due to non-delivery or incomplete delivery, plus physical damage to your purchased goods
- Automatically activated when an item is purchased
- Claims and insurance details can be made available online from the AIG Cardholder Insurance Portal
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.