Mastercard · ConventionalRHB Cash Back Mastercard Credit Card
Benefit breakdown
Cashback tiers
| Total eligible statement-month spend | Petrol / dining / utilities / groceries | Online dining / groceries | Other eligible retail |
|---|---|---|---|
| RM1–RM999.99 | 0.2% | 0.2% | 0.2% |
| RM1,000–RM1,999.99 | 1% | 1% | 0.2% |
| RM2,000–RM2,499.99 | 2% | 2% | 0.2% |
| RM2,500+ | 5% | 10% | 0.2% |
Each of petrol, dining, utilities, groceries and online dining / groceries has its OWN RM10 monthly cap (RM50 combined bonus-category cap). Other eligible retail at 0.2% is uncapped; the 10% rate does not apply to all online purchases.
Fees & charges
- Principal annual fee
- RM70
- Supplementary annual fee
- Waived
- Annual fee waiver
- First year waived; subsequent RM70 principal annual fee waived with RM10,000 eligible annual spend. Supplementary: waived.
- Service tax
- RM25 per principal and supplementary credit card annually; annual-fee waiver does not waive this tax.
- Retail finance rate
- 15% / 17% / 18% p.a. depending on prompt-payment history over the preceding 12 months.
- Cash advance interest rate
- 18% p.a., calculated daily from cash release until full settlement.
- Cash advance fee
- Higher of 5% of withdrawal or RM15, plus applicable service tax (8% on the fee).
- Minimum monthly payment
- Higher of 5% of outstanding balance or RM50, plus monthly instalments, unpaid previous minimums, over-limit amounts and applicable card / other taxes.
- Late payment charge
- Higher of RM10 or 1% of outstanding balance; maximum RM100.
- Overseas conversion
- Visa / Mastercard conversion rate plus 1% bank administration charge; applicable taxes may apply.
- Interest-free retail period
- 20 days from statement date when the full previous statement is paid on time; not applicable to cash advances, balance transfers or instalment facilities.
- Replacement card
- RM50 per card.
Requirements
- Minimum annual income
- RM24,000
- Principal minimum age
- 21 years
- Supplementary minimum age
- 18 years
- Documents
- Identity and bank-requested income evidence. Salaried: EPF / payslips and bank / tax records. Self-employed: business registration, tax returns and bank statements. Foreign applicants need passport, employment / work-permit and address evidence.
Payment plans
Smart Instalment Payment Plan
| Facility | Minimum / tenure | Rate / condition |
|---|---|---|
| Merchant IPP | RM500 minimum; up to 36 months at selected merchants | 0% on the participating merchant’s approved offer |
Available term depends on merchant and transaction. Conversion facilities are separate from the card’s retail interest-free period.
Dial-An-Instalment 2026
| Tenure | Minimum transaction | Upfront fee / actual management charge | Effective rate p.a. |
|---|---|---|---|
| 6 months | RM500 | 2.5% | 8.52% |
| 12 months | RM1,000 | 5% | 9.10% |
| 18 months | RM1,000 | 7% | 8.67% |
| 24 months | RM1,000 | 9% | 8.41% |
Published existing-cardholder campaign through 31 December 2026. Upfront fees are not annual interest rates. New-cardholder 0% offers require separate qualification.
CashXcess 2026
| Tenure | Flat rate p.a. | Effective rate p.a. |
|---|---|---|
| 12 months | 7.88% | 14.24% |
| 24 months | 7.88% | 14.47% |
| 36 months | 9.88% | 17.72% |
| 48 months | 9.88% | 17.41% |
Principal personal cardholder only; minimum RM1,000, up to 80% of available limit, subject to approval. Campaign ends 31 December 2026; commercial cards excluded.
Product features
- Balance transfer
- Smart Move Balance Transfer is available on eligible personal principal cards; rate, tenure and introductory offers follow the specific current application offer. The PDS states these rates are variable, not a permanent card benefit.
- Transaction classification
- Spending and bonuses use eligible posted transactions, merchant codes and transaction modes. Fees, tax, cash / quasi-cash, transfers, reversed transactions and other exclusions do not automatically qualify; each programme has its own exclusions.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.