RHB Shell Visa Credit Card
Big fuel savings with the RHB Shell Visa Credit Card
Eligibility
Minimum Monthly Income
RM 2,000 (RM 24,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Recent 1-month payslip for MNC, 3 months' payslip for non-MNC
- Latest EPF statement
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
No annual fee for the first year. Waive your next annual fees when you swipe your card for at least 24x every year
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Good for Cashback
Earn up to 12% cashback with Petrol Spend at Shell stations, capped at RM30 monthly (effective 8th September 2025) Earn up to 5% cashback on Local Grocery and Utilities, capped at RM10 monthly (effective 8th September 2025) Earn up to 5% cashback on E-Wallet Reload and Online Spend (under one category), plus Overseas Spend, capped at RM10 and RM50, respectively (effective 8th September 2025) Earn unlimited 0.2% cashback on Other Eligible Spend (effective 8th September 2025)
Earn up to 12% cashback with Petrol Spend at Shell stations, capped at RM30 monthly (effective 8th September 2025)
RHB Smart Instalment - Convert your big purchases into flexible and affordable monthly instalments at 0% interest with up to 12 months of repayment tenures.
Enjoy as low as 4.88% p.a. interest for up to 36 months to repay and consolidate your debt from other credit cards with the RHB Smart Move Balance Transfer. The minimum transfer amount is only RM1,000.
Withdraw extra cash from your principal RHB Credit Card/-i via RHB CashXcess plan with interest rates as low as 7.88% p.a. Enjoy this offer until 31 December 2026. T&Cs apply!
Terms and Conditions
Product review by CompareHero
What Is the RHB Shell Visa Credit Card?
The RHB Shell Visa Credit Card is a cashback credit card designed for drivers and everyday household spending. With a minimum annual income requirement of RM24,000, the card rewards eligible spending on Shell fuel, groceries, e-wallet top-ups, online purchases, utilities and overseas spending, with cashback rates increasing as your total monthly spending grows.
Benefits of the RHB Shell Visa Credit Card
- Earn up to 12% cashback on fuel purchases at Shell service stations.
- Enjoy up to 5% cashback on groceries, e-wallet top-ups, online purchases, utility bill payments and overseas spending.
- Earn 0.2% cashback on other eligible retail spending.
- Benefit from higher cashback rates when you meet the required monthly spending tier.
- Access RHB Smart Pay, Smart Move, Smart Instalment and CashXcess.
How the Cashback Programme Works
Your cashback rate depends on your total monthly retail spending. Higher monthly spending unlocks higher cashback rates across eligible spending categories.
| Total Monthly Spend | Shell Petrol | Grocery | e-Wallet Top-up & Online Spend | Utilities | Overseas Spend | Other Eligible Retail Spend |
|---|---|---|---|---|---|---|
| RM1,000 – RM1,999.99 | 3% | 1% | 1% | 1% | 1% | 0.2% |
| RM2,000 – RM2,999.99 | 5% | 2% | 2% | 2% | 2% | 0.2% |
| RM3,000 and above | 12% | 5% | 5% | 5% | 5% | 0.2% |
Minimum Spend and Cashback Caps
Some cashback categories require a minimum spend and are subject to monthly cashback limits.
| Spending Category | Minimum Spend | Maximum Monthly Cashback |
|---|---|---|
| Shell Petrol | No minimum | RM30 |
| Grocery | RM250 | RM10 |
| e-Wallet Top-up & Online Spend | RM500 | RM10 |
| Utilities | RM250 | RM10 |
| Overseas Spend | RM500 | RM50 |
| Other Eligible Retail Spend | RM500 | Unlimited |
Cashback is subject to the card's terms and conditions, including eligible merchant categories and qualifying transactions.
Other Card Benefits
Besides cashback, the RHB Shell Visa Credit Card includes several payment and financing features to help you manage your spending.
- Smart Pay – Automatically pay recurring bills such as Telekom, Maxis, Digi, Astro and other participating billers.
- Smart Move – Transfer outstanding balances from other credit cards at promotional rates.
- Smart Instalment – Convert eligible purchases into 0% interest instalments for up to 36 months at selected merchants.
- CashXcess – Withdraw cash from your credit card with attractive rates and repayment periods of up to36 months.
Fees and Charges
The RHB Shell Visa Credit Card offers the following fees and charges:
- Principal annual fee: First year waived. RM195 per year thereafter, waived with a minimum of 24 retail swipes per year.
- Supplementary annual fee: Free.
- Government Service Tax: RM25 per card upon activation and every anniversary thereafter.
- Cash advance fee: 5% of the amount withdrawn or RM15, whichever is higher.
- Late payment charge: 1% of the outstanding balance, subject to a minimum of RM10 and a maximum of RM100.
- Minimum monthly payment: RM50 or 5% of the outstanding balance, whichever is higher.
Retail transactions are subject to RHB's tiered finance charges of 15% p.a., 17% p.a. or 18% p.a., depending on your repayment behaviour.
Eligibility Requirements
To apply for the RHB Shell Visa Credit Card, you must:
- Be 21 years old and above.
- Earn a minimum annual income of RM24,000.
Required Documents
Prepare the following documents when applying for the RHB Shell Visa Credit Card.
Identification documents
- MyKad or passport.
Income documents(submit the applicable documents)
- Latest salary slips.
- Latest EPF statement.
- Latest EA Form or tax documents.
- Other supporting income documents requested by RHB.
RHB may request additional supporting documents during the application process.
How to Apply
Compare the RHB Shell Visa Credit Card with other cashback credit cards on CompareHero and apply online in just a few steps. Eligible applicants may also enjoy exclusive sign-up offers, subject to the campaign's terms and conditions.