For comparison purposes only. Final terms are determined by the issuing bank.
Review
A Tier-Based Cashback Card with Limited Margin for Error
The RHB Shell Visa Credit Card operates on a tiered cashback structure that rewards higher monthly spending with increased rebate rates. Under its current structure, cardholders need to spend at least RM3,000 per month to unlock the highest tier, which offers up to 12% cashback on Shell petrol and 5% cashback across selected categories including groceries, utilities, online/e-wallet transactions, and overseas spend.
While the headline percentages appear attractive, the card requires careful allocation of spend. Each cashback category (with the exception of petrol) comes with its own minimum spend requirement and monthly sub-cap. Shell petrol cashback is capped at RM30 per month, while overseas spend stands out with a higher RM50 monthly cap at the top tier. As a result, maximising returns often involves deliberate planning rather than organic everyday usage.
The card carries an annual fee of RM195, which can be waived by completing 24 retail transactions per year. It supports major mobile wallets including Apple Pay, Google Pay, and Samsung Pay, but non-eligible retail spend earns only a baseline 0.2% cashback.
Verdict: This card is best suited for disciplined users who regularly fuel at Shell stations and have meaningful overseas spending, and who are willing to manage tier thresholds and category caps. For users seeking simple, low-friction cashback, the complexity and narrow optimisation window may outweigh the advertised rates.
Pros
- Up to 12% cashback on Shell petrol at the highest tier
- Overseas spend enjoys a relatively high RM50 monthly cashback cap
- Supports Apple Pay, Google Pay, and Samsung Pay
- Includes utilities and groceries as eligible cashback categories
- Lower income requirement of RM24,000 per annum
Cons
- Requires RM3,000 monthly spend to unlock top-tier benefits
- Multiple sub-caps and minimum spend rules increase complexity
- Shell petrol cashback capped at RM30 per month
- Annual fee waiver requires 24 transactions per year
- Most non-core spending earns only 0.2% cashback
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 |
Grocery | 1% | 2% | 5% | RM10Min spend RM250 |
e-Wallet & Online | 1% | 2% | 5% | RM10Min spend RM500 |
Utilities | 1% | 2% | 5% | RM10Min spend RM250 |
Overseas | 1% | 2% | 5% | RM50Min spend RM500 |
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.
Upcoming
Card benefits
No specific benefits listed.