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RHB Shell Visa Credit Card

Author
by MujizUpdated 1/14/2026
RHB Shell Visa Credit Card
Primary Reward TypeCashback
Highest Rate12%
Effective Rate-
Min Annual IncomeRM24,000
Annual FeeRM195
Support
Apple Pay
Google Pay
Samsung Pay
RHB BankVisa

Review

Fuel Your Savings with Industry-Leading Petrol Rebates

The RHB Shell Visa Credit Card is widely regarded as one of the best petrol cards in Malaysia, specifically tailored for those who frequent Shell stations. Its headlining feature is a massive 12% cashback on Shell fuel and Shell Select purchases, provided you meet the monthly spend requirement. This makes it an incredibly powerful tool for drivers looking to hedge against rising fuel costs while earning rewards on their daily commute.

Beyond the petrol pump, this card is a versatile "daily driver" for other essential categories. Cardholders can enjoy up to 5% cashback on groceries, online shopping (including major e-commerce platforms), and utility bill payments. This broad coverage ensures that even your routine household expenses contribute toward your monthly cashback earnings, which are automatically credited to your account for maximum convenience.

The card is also highly accessible, with a minimum monthly income requirement of just RM2,000 (RM24,000 per annum). To make it even more attractive for new users, the annual fee is typically waived for the first year, and subsequent waivers are available with a minimum of 12 swipes per year—a very low threshold for a primary spending card.

Verdict: If Shell is your preferred petrol brand, this card is a no-brainer. The combination of 12% fuel rebates and 5% on utilities and online shopping makes it one of the most practical cashback cards for the average Malaysian household.

Pros

  • Highest market rate of 12% cashback for Shell petrol
  • Covers essential daily categories like utilities and groceries
  • Very low income requirement of RM24,000 per year
  • Easy annual fee waiver with 12 transactions per year

Cons

  • Cashback is highly tier-dependent (requires RM2,500 spend for max rates)
  • Monthly cashback for Shell is capped (e.g., RM50 for the highest tier)
  • Cashback is restricted specifically to Shell stations for fuel rewards

Cashback

Base Cashback
Category
Cashback
Cap
Petrol at Shell
0%
Uncapped
Grocery
0%
Uncapped
e-Wallet & Online
0%
Uncapped
Utilities
0%
Uncapped
Overseas
0%
Uncapped
Other Spending
0%
Uncapped
* Maximum cash back earned is subject to bank terms and conditions.
Spend RM1000+
Category
Cashback
Cap
Petrol at Shell
3%
RM30
Grocery
1%
RM10Min spend RM250
e-Wallet & Online
1%
RM10Min spend RM500
Utilities
1%
RM10
Overseas
1%
RM50Min spend RM500
Other Spending
0.2%
Uncapped
* Maximum cash back earned is subject to bank terms and conditions.
Spend RM2000+
Category
Cashback
Cap
Petrol at Shell
5%
RM30
Grocery
2%
RM10Min spend RM250
e-Wallet & Online
2%
RM10Min spend RM500
Utilities
2%
RM10
Overseas
2%
RM50Min spend RM500
Other Spending
0.2%
Uncapped
* Maximum cash back earned is subject to bank terms and conditions.
Spend RM3000+
Category
Cashback
Cap
Petrol at Shell
12%
RM30
Grocery
5%
RM10Min spend RM250
e-Wallet & Online
5%
RM10Min spend RM500
Utilities
5%
RM10
Overseas
5%
RM50Min spend RM500
Other Spending
0.2%
Uncapped
* Maximum cash back earned is subject to bank terms and conditions.

Card benefits

No specific benefits listed.

Details

Product Details

Card Name
RHB Shell Visa Credit Card
Issue Bank
RHB Bank
Network
Visa
Annual Fee
RM 195

Eligibility

Minimum Annual Income
RM 24,000
Minimum Age
(Principal) - Years Old
Max Age
No limit

Rates & Fees

Annual Fee
RM 195
Fee Waiver
Will be waived subject to minimum 24 swipes per year
Interest Rate
-
Interest Free Period
-
Late Payment Charge
-
Cash Advance Fee
-
Overseas Transaction Conversion Fee
-