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    RHB Cashback Credit Cards

    RHB Malaysia Berhad offers four cashback credit cards. These cards offer different rates of cashback for different categories. You also get multiple benefits, such as travel insurance, premium privileges, complimentary green fees, and various exclusive deals.

    RHB World Mastercard

    Cashback Category Cashback Rate Minimum Spend Requirement Monthly Cap
    Overseas Retail Purchases 2% RM3,500 RM100
    Local Dining Expenses 6% RM3,500 RM30
    Local Petrol Expenses 6% RM3,500 RM30
    Local Travel Expenses 6% RM3,500 RM30
    Local Other Expenses 0.2% None None

    Features and Benefits

    • Earn up to 6% cashback on all your local petrol, dining, and travel expenses.
    • Earn up to 2% cashback on all your overseas retail purchases.
    • Earn unlimited 0.20% cashback on all other local retail purchases.
    • Enjoy complimentary access to Plaza Premium Lounges in Malaysia, five times a year.
    • Get a discount of 25% at all premium lounges across Malaysia for your accompanying guests.
    • Enjoy 20% discount at Plaza Premium Lounges across the globe.
    • Get complimentary green fees at selected golf courses across Malaysia.
    • Enjoy complimentary travel insurance of up to RM600,000.
    • Get an annual fee waiver for life on your card.
    • Enjoy concierge services worldwide through Mastercard International.

    How Does the Cashback Work

    For example, if you spend around RM7,000 each month on this card, you can earn up to RM162 as cashback by fulfilling the minimum spend requirement on all categories. The cashback cap for overseas expenses is RM100, and for local expenses is RM30 for respective categories. There is no cap for other retail purchases. Check the table below to see how you can earn this cashback.

    Total Monthly Spend RM7,000
    Total Cashback Received RM162
    Spend Category Spent Amount Cashback Rate Cashback Earned
    Overseas Retail Purchases RM3,500 2% RM70
    Local Travel Purchases RM1,000 6% RM60
    Local Dining Expenses RM1,000 6% RM60
    Local Petrol Purchases RM500 6% RM30
    Other Local Purchases RM1,000 0.2% RM2

    RHB Signature Credit Card

    Cashback Category Cashback Rate Minimum Spend Requirement Monthly Cap
    Overseas Retail Purchases 2% RM3,500 RM30
    Local Online Purchases 6% RM3,500 RM30
    Local Shopping Purchases 6% RM3,500 RM30
    Local Entertainment Purchases 6% RM3,500 RM30
    Other Local Purchases 0.2% None None

    Features and Benefits

    • Earn up to 6% cashback on all local entertainment, shopping, and online purchases.
    • Earn up to 2% cashback on all your overseas retail purchases.
    • Enjoy 5x complimentary access to Plaza Premium Lounges across Malaysia.
    • Get 20% discount on walk-in rates at Plaza Premium Lounges across the globe.
    • Enjoy complimentary green fees at selected golf courses in Malaysia.
    • Get preferred rates on foreign currencies at the RHB Bureau-de-Change.
    • Enjoy complimentary travel insurance of up to RM600,000.
    • Get an annual fee waiver for life on this card.
    • Enjoy exclusive deals and offers through Visa International.

    How Does the Cashback Work

    For example, if you spend around RM7,000 each month on this card, you can get up to RM121 as cashback even if you do not fulfil the spend requirement for one category. The cashback cap for overseas expenses is RM100, and for local expenses is RM30 for respective categories. There is no cap for other retail purchases. Read through the table below to check how you can get this cashback.

    Total Monthly Spend RM7,000
    Total Cashback Received RM121
    Spend Category Spent Amount Cashback Rate Cashback Earned
    Overseas Retail Purchases RM2,500 1% RM25
    Local Online Purchases RM500 6% RM30
    Local Shopping Purchases RM500 6% RM30
    Local Entertainment Purchases RM500 6% RM30
    Other Local Purchases RM3,000 0.20% RM6

    RHB Smart Value Card

    Cashback Category Cashback Rate Minimum Spend Requirement Monthly Cap
    Petrol Purchases 5% RM2,501 and above RM10
    Grocery Purchases 5% RM2,501 and above RM10
    Online Purchases 5% RM2,501 and above RM10
    Utility Payments 5% RM2,501 and above RM10
    Other Purchases 0.2% None None

    Features and Benefits

    • Earn up to 5% cashback on all grocery, petrol, utility, and online transactions.
    • Earn unlimited 0.2% cashback on all other retail transactions.
    • Enjoy complimentary travel insurance of up to RM100,000.
    • Pay instantly and securely through the contactless payment facility.

    How Does the Cashback Work

    For example, if you meet the minimum spend requirement for cashback on this card by spending more than RM2,500 each month, you can get up to RM42 as cashback. The cap for cashback is RM10 for specified categories whereas there is no cap for other categories. Check the table below to see how you can earn this cashback.

    Total Monthly Spend RM2,800
    Total Cashback Received RM42
    Spend Category Spent Amount Cashback Rate Cashback Earned
    Petrol Purchases RM300 5% RM15
    Grocery Purchases RM400 5% RM20
    Online Purchases RM300 5% RM15
    Utility Payments RM300 5% RM15
    Other Purchases RM1,500 0.2% RM2

    SOGO-RHB Credit Card

    Cashback Category Cashback Rate Minimum Spend Requirement Monthly Cap
    SOGO Purchases 1% RM500 or below RM50
    SOGO Purchases 3% RM501 to RM1,000 RM50
    SOGO Purchases 5% RM1,000 and above RM50

    Features and Benefits

    • Earn up to 5% cashback on purchases at SOGO KL departmental store and supermarket.
    • Earn 1 SOGO rewards point for every RM1 spent at SOGO Storewide.
    • Earn 1 SOGO rewards point for every RM2 spent at SOGO supermarket.
    • Pay your Telekom, Digi, Astro, and Maxi bills automatically every month through RHB Smart Pay.
    • Redeem your rewards points for shopping vouchers and items from the Smart Rewards programme.

    How Does the Cashback Work

    For example, if you spend around RM1,000 each month on SOGO purchases, you can earn up to RM50 as cashback. The cap on cashback on this card is RM50. Check the table below to see how you can earn this cashback.

    Total Monthly Spend RM1,000
    Total Cashback Received RM50
    Spend Category Spent Amount Cashback Rate Cashback Earned
    SOGO Purchases RM1,000 5% RM50

    Fees and Charges

    Key Charges
    Annual Fee RHB World Mastercard
    • Principal card: Waived for life
    • Supplementary card: Waived for life
    RHB Signature Credit Card
    • Principal card: Waived for life
    • Supplementary card: Waived for life
    RHB Smart Value Card
    • Principal card: RM70
    • Supplementary card: Waived for life
    SOGO-RHB Credit Card
    • Principal card: RM88
    • Supplementary card: Waived for life
    Finance Charges 15% p.a. to 18% p.a.
    Cash Withdrawal Interest Rate 18% p.a.
    Cash Withdrawal Charge 5% of the withdrawn cash amount or RM15, whichever is higher
    Additional Statement RM5 (per copy)
    Card Replacement RM50 (per card)
    Minimum Monthly Payment 5% of the outstanding dues or RM50, whichever is higher
    Late Payment 1% of the outstanding balance or RM10, whichever is higher Cap is RM100
    Overseas Transaction 1% of the total foreign currency transactions
    Over-limit Fee RM50 (whenever the total outstanding balance is more than the combined card limit)
    Sales Draft Retrieval RM20 (per copy)

    Eligibility Criteria

    Card Name Eligibility
    RHB World Mastercard Age
    • Principal card: 21 years
    • Supplementary card: 18 years
    Annual Income
    • RM80,000
    RHB Signature Credit Card Age
    • Principal card: 21 years
    • Supplementary card: 18 years
    Annual Income
    • RM80,000
    RHB Smart Value Card Age
    • Principal card: 21 years
    • Supplementary card: 18 years
    Annual Income
    • RM24,000
    SOGO-RHB Credit Card Age
    • Principal card: 21 years
    • Supplementary card: 18 years
    Annual Income
    • RM24,000

    How to Apply

    Mode Process
    Online Application
    • Download the application form available on the RHB website.
    • Complete the form and send it to:
    RHB Bank Berhad, Cards & Unsecured Credit Processing Department, Level 4, No 75, Jalan Tun H. S. Lee, 50000, Kuala Lumpur
    Branch Application
    • Visit your nearest branch.
    • Complete and submit the application form along with required to the bank staff.

    RHB cashback cards allow you to earn cashback on most essential categories, such as groceries, petrol, utility payments, and shopping purchases. To choose a suitable card, compare all cashback cards, their benefits and exclusive offers. Pick a card that meets your spending needs.

    FAQs on RHB Cashback Credit Cards

    Q. Can I earn both rewards points and cashback on my card?

    A. If your card offers cashback and rewards points for your purchases, then you can earn both.

    Q. Is there a cap on cashback on all cashback cards?

    A. All RHB cashback cards have cap on cashback for specific categories. Some cards offer unlimited cashback on selected categories only.

    Q. What will happen if my retail transaction is cancelled?

    A. You will not be eligible for cashback on any cancelled transaction.

    Q. Will I earn cashback on purchases at any merchant outlets?

    A. You can find a list of selected merchant outlets on the RHB website. All purchases made at those merchant outlets are eligible for the respective cashback based on their category.

    Q. Is the spend requirement for cashback applicable for a particular category?

    A. No. The spend requirement for cashback is applicable for the total card spend for the month.

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