RHB Shell Visa Credit Card by RHB

Get up to 12% cash back on Groceries, Online Spend, E-Wallet Top Up, payment of Utilities and Other Categories

Enjoy the RHB Smart Services such as Smart Pay, Smart Move, Smart Instalment and CashXcess

Cash Back Category	Cash Back Rate	Monthly Cap	Spend
Petrol (Shell)	5%, 8%, 12%	RM 50	From RM800 - RM 1,499.99, RM1,500 - RM2,499, and RM2,500 Monthly
Groceries	1%, 2%, 5%	RM 50	From RM800 - RM 1,499.99, RM1,500 - RM2,499, and RM2,500 Monthly
Online Spend	1%, 2%, 5%	RM 50	From RM800 - RM 1,499.99, RM1,500 - RM2,499, and RM2,500 Monthly
Top Up E-Wallet and Utilities	1%, 2%, 5%	RM 50	From RM800 - RM 1,499.99, RM1,500 - RM2,499, and RM2,500 Monthly
Other Transactions	0.2%, 0.2%,0.2%	Unlimited	From RM800 - RM 1,499.99, RM1,500 - RM2,499, and RM2,500 Monthly

Pay Over	With Interest Rate At	When You Transfer
6 Months	4.88% p.a. with no one-time upfront handling fee	From RM 1,000
12 Months	4.88% p.a. with no one-time upfront handling fee	From RM 1,000
18 Months	4.88% p.a. with no one-time upfront handling fee	From RM 1,000
24 Months	4.88% p.a. with no one-time upfront handling fee	From RM 1,000
36 Months	4.88% p.a. with no one-time upfront handling fee	From RM 1,000

Pay Over	With Interest Rate At	When You Spend
6 Months	0% p.a. with no one-time upfront handling fee	From RM 500
12 Months	0% p.a. with no one-time upfront handling fee	From RM 500
24 Months	0% p.a. with no one-time upfront handling fee	From RM 500
36 months	0% p.a. with no one-time upfront handling fee	From RM 500

Annual Fee For Primary Card	RM 195*
Annual Fee For Supplementary Card	Free
Minimum Monthly Payment	RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee	RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100
Cash Withdrawal Fee	RM 15 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals	18% p.a.

*Waived when you spend a minimum of RM 24,000 p.a.

15% Per Annum	Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months
17% Per Annum	Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle
18% Per Annum	Tier 3: Cardmembers who do not fall within the above categories

Minimum Annual Income	RM 24,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Anyone
Terms and Conditions	Terms and Conditions
Product Disclosure Sheet	Product Disclosure Sheet

Apply for RHB Shell Visa Credit Card by RHB