For comparison purposes only. Final terms are determined by the issuing bank.
Review
A Low-Barrier Cashback Card for Daily Essentials
The RHB Cash Back Credit Card is positioned as an entry-level cashback card targeting everyday lifestyle expenses. Its cashback structure is based on a tiered monthly spend model, where higher rebate rates are unlocked as total monthly retail spend increases.
At the highest tier, cardholders who spend RM2,500 per month can earn 5% cashback on selected categories including Petrol, Dining, Utilities, Groceries, and Online Dining/Groceries. Each category is capped at RM10 per month, resulting in a realistic maximum cashback of around RM50 per statement cycle when spending is reasonably spread across categories. All other retail spend earns an unlimited 0.2% cashback.
The card’s appeal lies in its low income requirement and broad coverage of essential spending categories, including selected online food and grocery platforms. However, the relatively low per-category caps mean rewards are optimised through consistent, everyday usage rather than large single purchases.
While the card carries an annual fee, it is waived in the first year and subsequently waived with a minimum RM10,000 annual spend, keeping long-term holding costs manageable. Overall, the RHB Cash Back Credit Card works best for users seeking a simple, predictable cashback setup for daily expenses without the need to track rotating categories or merchant-specific promotions.
Pros
- Broad everyday cashback categories with a low income requirement
Cons
- Low per-category cashback caps limit total monthly rewards
Cashback
| Category | Below RM1,000Total monthly spend | RM1,000+Total monthly spend | RM2,000+Total monthly spend | RM2,500+Total monthly spend | Cap |
|---|---|---|---|---|---|
Petrol | 0.2% | 1% | 2% | 5% | RM10 |
Dining | 0.2% | 1% | 2% | 5% | RM10 |
Utilities | 0.2% | 1% | 2% | 5% | RM10 |
Grocery | 0.2% | 1% | 2% | 5% | RM10 |
Online Dining/Groceries Excludes: e-Wallet | 0.2% | 1% | 2% | 5% | RM10 |
Other spend | 0.2% | 0.2% | 0.2% | 0.2% | Uncapped |
Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Cashback Calculator
Cashback estimates are for reference only. Actual rewards may vary by merchant category, exclusions, and bank terms. Please refer to the official terms for final confirmation.
Monthly Spend
Estimate monthly cashback from eligible category spend.
Cashback Summary
Card benefits
No specific benefits listed.