Effective 8th September 2025, the cash back for the RHB Bank Shell Visa Credit Card shall be as follows:

From the above table, if you do spend more than RM3K per month, then you can earn maximum RM30 cash back for pumping at Shell……. RM30/RM3K = 1% so how the heck did RHB come up with 12% cash back for petrol? Oh…. my bad, I have to add other expenses like Groceries, Online Transactions, Utilities and Overseas Transactions.

Let us work out the cash back for each category as there is a cap on the cash back one can earn per billing cycle.

Groceries – we need to spend minimum RM250 to earn maximum RM10 cash back. This means the maximum effective cash back is 4%. So why the heck did RHB even mentioned 5% cash back?

Same for Utility where we need to spend minimum RM250 to earn RM10 cash back.

The Online is even worst, we need to spend RM500 to earn maximum RM10 cash back which works out to 2%

So for Groceries, Online and Utility Bills, RHB is bull shitting you that you can earn 5% cash back!!!

However for Overseas, we can earn up to RM50 in cash back if we spend spend RM1K BUT you need to spend effectively RM3K or more with the RHB Visa Card to earn this casn back.

Assuming I did spend RM250 on Groceries, RM250 on Utility Bills, RM500 on Online Transactions, RM1K on Overseas Transaction; the total amount will work out to be RM2000 which is still less than RM3K to be eligible for the maximum cash back of RM80 from these categories.

Ok Ok, you may argue I did not include Petrol transactions… in order to earn RM30 cash back from Shell Petrol, I need to pump RM250.

So with the above transactions including RM250 for Petrol, I am still short of RM750 to hit the minimum spending of RM3K with the RHB Shell Visa Credit Card.

Say I do another RM750 transaction that does not fall in the categories of Petrol, Grocery, Utility, Online and Overseas, I do earn 0.2% which works out to be RM1.50.

To Summarize again the transactions with the RHB Shell Visa Credit Card:

Petrol RM250 – Cash Back RM30

Groceries RM250 = Cash Back RM10

Online RM500 – Cash Back RM10

Utility Bills RM250 – Cash Back RM10

Overseas RM1K – Cash Back RM50

Other Transactions (say Insurance) RM750 – Cash Back RM1.50

With the above, I would have spent RM3K and the total cash back amounts to RM111.50; which works out to be 3.7% cash back (not too bad if you have overseas spending of minimum RM1K).

Now please note, if you do not have any Overseas Transactions but you still spend RM3K per month, the effective cash back you can earn will be reduced to RM63.50 which works out to 2.1%

Another thing about RHB, they classified Astro and TELCOs as Utility!!!

The Wonderful Maybank 2 Cards Platiinum/Gold AMEX and Malaysia Best Online Credit Card Maybank Ikhwan AMEX Platinum-i

With the Maybank 2 Cards Gold/Platinum AMEX< we can earn 5% cash back on weekends. So assuming you do spend RM250 for both Petrol and Groceries on weekends, you would have earned RM25 guaranteed. you still have balance RM500 to earn another RM25 in cash cash back from Petrol or Groceries and even Maxis Postpaid (for Maxis must be via M2U Bills using Maybank 2 Platinum Card AMEX ONLY and NOT Amex Platinum-i – take note!!!). Earning RM50 with the Maybank 2 Gold/Platinum Cards AMEX is super easy as it can be used at Shell, BhP, Petronas, Speed 99, Jaya Grocer, Giant, Lotus, Grab Food and etc.

Now you can also use your AMEX to pay for Utilities such as Water and IWK at Lazada or Shopee and of course for TELCOs (Celcom, Digi, Telekon), Internet (Unifi), Astro and Electricity Bills too if you are in Sarawak or Sabah.

One can even pay PTPTN loan at Lazada or Shopee and get discount with the Maybank credit cards or earn Air Miles!!!

So assuming you need to pay RM30 for Water, RM12 for IWK, RM50 for Digi PostPaid, RM99 for Unifi and RM149 for Astro; these said expenses total up to RM340 and if you use the Fantastic Maybank AMEX Platinum-i you will then earn RM27.2 with 8% cash back. Therefore you still have remaining RM285 balance quota to spend at Lazada or Shopee for anything including buying Petrol Vouchers if you need it!!!

Below is a screenshot from Lazada where you can get 5% discount from Petron Official Store when they have offer. Use your Maybank AMEX and you will get more discount!

So with you spending RM1000 with the Maybank 2 Gold/Platinum Cards AMEX on weekends and RM625 Online with the Maybank AMEX Platinum-i, you will earn RM100 in cash back!

And if your spouse also have both the Maybank 2 Gold/Platinum Cards AMEX and Maybank Ikhwan AMEX Platinum-i, you can earn minimum RM200 per month with RM3300 spending. Please note that for 2 months in a year you can earn up to RM100 in cash back each month with the Maybank AMEX Platinum-i

Click here to read my review of the wonderful Maybank 2 Gold/Platinum Cards AMEX

Click here to read more about the The Best Online Credit Card in Malaysia – Maybank Ikhwan AMEX Platinum-i

CONCLUSION

The RHB Shell Visa does earn you maximum RM10 cash back when you top up eWallets BUT please note that you will need to spend effectively minimum RM3K with the RHB Shell to earn meaningful casn back from Petrol and other expenses.

From the above, I have showed you that if you do not have Overseas Transactions, the RHB Shell Credit Card will earn you max RM63.50 with RM3K spending.

On the other hand, if you spend RM1,625 in total with both the Maybank 2 Gold/Platinum Cards AMEX and Maybank Ikhwah AMEX Platinum-i, you will earn RM100!!!

HOWEVER there is one freaking major CON about Maybank AMEX cards. Over the years I have faced many fraudulent transactions with my various AMEX cards and recently again!!! My Air Miles Disciple also reported that her card was used for a fraudulent transactions and therefore a new card had to be issued, and the joke is that not long after she got her new AMEX card, it was used for fraud transactions again!!!

And MAybank won’t send us SMS but instead send Notification at our Smartphone. I tell you:

1. I don’t have data roaming when overseas, so how the heck does Maybank expect me to know if someone used my card for a fraud transactions?
2. I get tons of notifications at my smartphone, so why does Maybank expect me read my notifications all the time? Does Maybank expect me to block all notifications except from them?
3. Why can’t Maybank send SMS for every transaction made so that we have records and more importantly we can received the SMS while overseas not needing Data Roaming. I still received SMS from Alliance Bank, Hong Leong Bank, RHB Bank and UOB Bank every time I used my cards even if I need to Approve the Transaction at the App.
4. It is to Maybank’s Benefit that they send both SMS and Notification at Apps for every transaction we make with our credit cards; so that we can report any fraudulent transactions. And today SMS is way better than Notification because nowadays we hardly receive SMS but we do experience receiving hundreds of notifications at our Smartphone for this and that.

In respect to the above, of course Maybank can also argue that by not sending SMS to cardholders notifying of transactions, it can also prevent fraud as previously I have showed you many fake SMSes stating that I have transacted RMXXX at merchat YYY and to call number ZZZ-ZZZZZ.

Ah……. lan pah pah lan, hahaha. So moral of the story is – if you are holding any credit cards, especially Maybank’s credit cards, make sure you read the damn notifications frequently else if you complain late of a fraud, the CS will ask you why you never inform earlier, hahahaha.

As for TNB Bills, if you want Cash Back or Air Miles too, use CIMB eCC on 28th of each month.

Click here to read Must Have FREE FOR LIFE CIMB Credit Cards