For comparison purposes only. Final terms are determined by the issuing bank.
Review
A Shell card that now needs higher monthly spend to work well
The RHB Shell Visa Credit Card is still a petrol cashback card, but after its revision, it is no longer as easy to like as before. The minimum income requirement is only RM24,000 per year, so it looks entry-level on paper. In actual use, the better cashback rates sit at much higher monthly spend tiers.
The main appeal is Shell petrol cashback. If your total monthly spend reaches RM3,000 or above, Shell petrol earns 12% cashback, capped at RM30 per month. That cap is quite easy to hit because you only need around RM250 of Shell spending. But if your monthly spend is below RM3,000, petrol cashback drops to 3% or 5%, which feels a lot more ordinary.
The other categories are where the card gets less straightforward. e-Wallet and online, utilities, overseas, grocery and other spending all have their own category minimum spend requirements. At the highest tier, selected categories can earn 5% cashback, but most caps are small. e-Wallet and online, utilities and grocery are each capped at RM10 per month. Overseas spending has a better RM50 monthly cap, but not everyone will use that regularly.
This is why the card feels less attractive after the revision. The headline rates still look good, especially the 12% on Shell petrol. But to make the card work properly, you need to hit the right total monthly spend and also meet the category conditions. If your spending pattern does not match the table, the actual return can quickly fall back to 1%, 2% or even 0.2%.
The annual fee is RM195, but it can be waived with 24 retail transactions per year. The card supports Apple Pay, Google Pay and Samsung Pay, which helps if you want to use it for daily spending.
Verdict: The RHB Shell Visa Credit Card is worth considering if you regularly refuel at Shell and can comfortably spend around RM3,000 per month. At that level, the 12% petrol cashback and selected 5% categories can still make sense. For users spending below RM3,000 monthly, the card is much less interesting after the revision. The income requirement may be low, but the spending pattern needed to get good value is not that low.
Pros
- 12% cashback on Shell petrol at the highest spend tier
- Shell petrol cashback cap is easy to maximise
- Includes e-wallet, online, utilities, grocery and overseas categories
- Overseas cashback has a higher RM50 monthly cap
- Supports Apple Pay, Google Pay and Samsung Pay
Cons
- Best cashback rates require RM3,000 monthly spend
- Less attractive after its cashback revision
- Non-petrol categories have separate minimum spend requirements
- Most non-petrol category caps are small
- Petrol cashback only works well if you regularly refuel at Shell
Cashback
| Category | RM1,000+Total monthly spend | RM2,000+Total monthly spend | RM3,000+Total monthly spend | Cap |
|---|---|---|---|---|
Petrol at Shell | 3% | 5% | 12% | RM30 |
e-Wallet & Online | 1% | 2% | 5% | RM10Min spend RM500 |
Utilities | 1% | 2% | 5% | RM10Min spend RM250 |
Overseas | 1% | 2% | 5% | RM50Min spend RM500 |
Grocery | 1% | 2% | 5% | RM10Min spend RM250 |
Other Spending | 0.2% | 0.2% | 0.2% | UncappedMin spend RM500 |
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.
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