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Home›Best Cashback Credit Cards›RHB Shell Visa
Updated May 2026 · Verified Rates

RHB Shell Visa Credit Card Malaysia 2026

12% cashback on Shell petrol · 5% groceries & e-wallets · Annual fee waived with 2 swipes/month

12%
Max petrol cashback
at Shell, RM3k+ spend
RM30
Petrol cap
per month
RM195
Annual fee
waived with 24 txn/yr
RM2k/mo
Min income
RM24,000/year

RHB Shell Visa Cashback Tiers — Full Breakdown

Monthly SpendShell PetrolGroceries / E-wallet / UtilitiesOthers
Below RM1,0000.2%0.2%0.2%
RM1,000–1,9993%1%0.2%
RM2,000–2,9995%2%0.2%
RM3,000+12% 🔥5%0.2%
Monthly caps: Shell petrol cashback capped at RM30/month. Groceries, e-wallets and utilities each capped at RM10/month. To earn full RM30 Shell cashback at 12%, you need to spend RM250+ at Shell stations per month.

How Much Can You Save? — Monthly Savings Calculator

Total Monthly Card SpendShell Petrol CashbackGroceries CashbackMonthly Savings
RM1,200/monthRM6 (3% × RM200)RM3 (1% × RM300)RM9
RM2,500/monthRM12.50 (5% × RM250)RM8 (2% × RM400)RM20.50
RM3,500/monthRM30 (12% capped)RM10 (5% capped)RM40+
💳 RHB BankUp to 12% petrol cashback · Annual fee waived with 2 swipes/month

Fill up RM300 of Shell petrol — get RM30 back every month

Best petrol card in Malaysia for Shell regulars. Spend RM3,000/month total to unlock 12% Shell cashback + 5% on groceries, e-wallets & utilities.

Monthly spend RM1,000–1,9993% petrol · 1% others
Monthly spend RM2,000–2,9995% petrol · 2% others
Monthly spend RM3,000+12% petrol · 5% others
Shell petrol capRM30/month
Groceries / e-wallet capRM10/month each
  • 💰Annual fee RM195 — waived with just 2 transactions/month (24/year)
  • ⛽Shell nationwide — works at all Shell stations across Malaysia
  • 📱E-wallet top-ups count: TNG, GrabPay, Boost, ShopeePay, Lazada Wallet
Apply RHB Shell Visa — Get 12% Petrol Cashback →

Commission via RinggitPlus. Cashback subject to monthly caps. Annual fee waived with 24 qualifying transactions/year.

Who Should Get the RHB Shell Visa Card?

✅ Good fit if you:

  • • Fill up at Shell regularly (spend RM250+/month on petrol)
  • • Total monthly card spend exceeds RM3,000
  • • Top up TNG, GrabPay or Boost frequently
  • • Shop at Jaya Grocer, Giant or AEON
  • • Earn RM2,000+/month (low income bar)

❌ Not ideal if you:

  • • Petrol at Petronas, BHP or Caltex (not Shell)
  • • Monthly spend below RM1,000 (only 0.2% base rate)
  • • Want dining or Grab cashback (not covered)
  • • Prefer a single card for all spending categories
Verdict: Best petrol cashback card in Malaysia for Shell loyalists spending RM3,000+/month. The 12% Shell rate beats all competitors — but only if you fill up at Shell. If you use mixed petrol stations, consider UOB ONE Card instead (10% at any station).

Also Consider — UOB ONE Card

10% cashback on petrol at ANY station + dining + Grab. Better if you don't fill up exclusively at Shell.

💳 UOB Malaysia10% cashback on 4 categories · Annual fee waived

Spend RM1,500/month — earn 10% cashback on petrol, dining & Grab

10% cashback on petrol at ALL stations, dining, groceries & Grab in one card. New applicants get RM88 cashback when you spend RM200 in the first 60 days.

Petrol (any station)10% · cap RM15/month
Dining & food delivery10% · cap RM15/month
Groceries10% · cap RM15/month
Grab (rides, food, mart)10% · cap RM15/month
Max monthly cashbackRM60 (4 × RM15)
  • 🎁RM88 cashback when you spend RM200 in first 60 days
  • 📅Annual fee RM195 — waived for new applicants
  • ⛽Petrol cashback at ALL stations — not locked to one brand
Apply UOB ONE Card — 10% Cashback on Petrol & Dining →

New-to-bank or new-to-card only. Min. RM1,500 monthly spend to unlock 10% cashback. Caps apply per category.

More Cashback & Savings

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Frequently Asked Questions

What cashback does the RHB Shell Visa Credit Card give?
The RHB Shell Visa gives tiered cashback based on monthly spend: RM1,000–1,999/month = 3% petrol + 1% others; RM2,000–2,999/month = 5% petrol + 2% others; RM3,000+/month = 12% petrol + 5% groceries/e-wallets/utilities. Monthly caps apply: Shell petrol RM30/month, other categories RM10/month each.
Is the RHB Shell Visa annual fee waived?
Yes. The RHB Shell Visa annual fee is RM195 per year, but is automatically waived if you make at least 24 qualifying transactions per year — that's just 2 swipes per month. Supplementary cards have no annual fee.
Which e-wallets qualify for RHB Shell Visa cashback?
The RHB Shell Visa gives 5% cashback (at RM3,000+ monthly spend) on e-wallet top-ups including: Touch 'n Go eWallet, GrabPay, Boost, BigPay, Lazada Wallet, WeChat Pay, and ShopeePay. The RM10/month cap applies across all e-wallet transactions combined.
What is the minimum income to apply for RHB Shell Visa?
Minimum annual income of RM24,000 (RM2,000 per month). Applicants must be 21–60 years old. The low income threshold makes it accessible — many entry-level salary earners qualify.
How does RHB Shell Visa compare to UOB ONE Card for petrol?
RHB Shell Visa gives 12% cashback at Shell only (RM30 cap), while UOB ONE gives 10% at any petrol station (RM15 cap). If you spend RM300+/month at Shell, RHB Shell is better (save RM30 vs RM15). If you use mixed stations or spend less on petrol, UOB ONE's flexibility wins. UOB ONE also rewards dining and Grab.
Is the 12% Shell cashback really achievable?
Yes, but you must spend RM3,000+ total across all categories in a month to unlock the 12% tier. The petrol cashback is then capped at RM30 — so you need to spend RM250+ at Shell to hit the cap. If your total monthly card spend is RM1,000–2,999, you earn 3–5% petrol cashback instead.

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