RHB Shell Visa Credit Card
RHB consumer credit card. Compare cashback eligibility, annual fees and the conditions used by the calculator.
Bank documents checked · Terms last checked: 2026-11-10
Calculate this cardSalary and spending requirements
- Minimum monthly income
- RM2,000.00
- Minimum annual income
- RM24,000.00
- Qualifying spend
- RM1,000 / 2,000 / 3,000 monthly tiers + category minima
- Minimum principal age
- 21
Annual fee and SST
- Published annual fee
- RM195.00
- Fee waiver
- First year waived; Subsequent: at least 24 swipes annually
- SST
- RM25 per physical card per year. Multi-card packages can cost more.
Annual net cashback is the year's eligible cashback minus the annual fee and SST. The calculator applies fee-waiver conditions to your scenario; the published fee above is not necessarily the fee you will pay.
Conditions to check
- Shell petrol only for the petrol reward. Category minima and merchant codes still apply; another petrol chain does not receive the Shell reward.
- Total eligible monthly spend >=RM1,000/2,000/3,000 determines rates.
- Shell only petrol 3/5/12%, cap RM30. Non-Shell petrol earns zero but counts toward threshold.
- Groceries and utilities each require RM250/category, each separate RM10 cap. Online + qualifying wallets shared RM500 minimum/RM10 cap.
- Overseas requires RM500 category minimum/RM50 cap; Other requires RM500 category minimum, 0.2% uncapped.
- BT/cash advance/instalments/fees excluded. JomPay/DuitNow/FPX, charity, government count toward tier but earn zero.
- No double counting: online groceries belong to Grocery. Recurring/MOTO online excluded.
Listed cashback rates
A summary of published rates, not an offer. Bank terms and the conditions above take priority. A threshold can refer to total spend, a statement balance or an individual transaction.
| Category | Listed rate | Listed qualifying basis | Listed monthly cap |
|---|---|---|---|
| Petrol Spend at Shell | 12% | RM3,000.00+ | RM30.00 |
| Petrol Spend at Shell | 5% | RM2,000.00–RM2,999.00 | RM30.00 |
| Petrol Spend at Shell | 3% | RM1,000.00–RM1,999.00 | RM30.00 |
| Grocery & Utility (min. spend RM250 each category) | 5% | RM3,000.00+ | RM10.00 |
| Grocery & Utility (min. spend RM250 each category) | 2% | RM2,000.00–RM2,999.00 | RM10.00 |
| Grocery & Utility (min. spend RM250 each category) | 1% | RM1,000.00–RM1,999.00 | RM10.00 |
| E-Wallet Top-up & Online Spend (min. spend RM500) | 5% | RM3,000.00+ | RM10.00 |
| E-Wallet Top-up & Online Spend (min. spend RM500) | 2% | RM2,000.00–RM2,999.00 | RM10.00 |
| E-Wallet Top-up & Online Spend (min. spend RM500) | 1% | RM1,000.00–RM1,999.00 | RM10.00 |
| Overseas Spend (min. spend RM500) | 5% | RM3,000.00+ | RM50.00 |
| Overseas Spend (min. spend RM500) | 2% | RM2,000.00–RM2,999.00 | RM50.00 |
| Overseas Spend (min. spend RM500) | 1% | RM1,000.00–RM1,999.00 | RM50.00 |
| Other Spend | 0.2% | RM3,000.00+ | Not specified / uncapped in listing |
| Other Spend | 0.2% | RM2,000.00–RM2,999.00 | Not specified / uncapped in listing |
| Other Spend | 0.2% | RM1,000.00–RM1,999.00 | Not specified / uncapped in listing |
Sources
Terms can change after the check date. Confirm current terms with the issuer. This page does not include a welcome-gift valuation or guarantee bank approval.