RHB Islamic Bank RHB Cash Back Credit Card-i
Islamic Personal Financing in Johor
RHB Islamic's cashback credit card with a printed tier table: monthly retail spend of RM2,500+ earns 5% cash back on petrol, dining, utilities and groceries and 10% on online dining/groceries (0.2% on other spend), with lower tiers at 2%, 1% and 0.2%, each category capped at RM10 per month. Smart Services include Smart Pay auto bill payment, Smart Move balance transfer from other cards, Smart Instalment at 0% profit up to 36 months, and CashXcess cash withdrawal up to 36 months. First year annual fee free, then RM70 (waived with RM10,000 annual spend); supplementary cards free. Minimum age 21, minimum income RM24,000 per annum (crawled rhbgroup.com 2026-08-06).
On paper the strongest category rates of the cluster's Islamic cashback cards (5% across essentials, 10% online food and groceries), but the RM10-per-category monthly caps mean a maxed-out card returns about RM50 a month. Consistent RM2,500+ spenders who split purchases across categories will beat Bank Islam's Platinum cashback; irregular spenders fall to 0.2% and should prefer CIMB's fee-free cards.
Pros
- Highest printed category rate in the cluster (10% online dining/grocery)
- Accessible RM24,000 income gate
- Full tier table printed, including caps
Cons
- RM10 monthly cap per category limits real cashback to about RM50/month
- 0.2% base rate below RM1,000 monthly spend
- Annual fee from year two unless RM10,000 spend is met (CIMB's cards waive fees unconditionally)
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Product Details
Structure
unspecified
RHB Islamic Bank in Johor
RHB Islamic Bank's RHB Cash Back Credit Card-i is available to Johor residents, using a unspecified structure. The total selling price is fixed in the contract, and early settlement earns an ibra' (rebate) on unearned profit under BNM's rules. RHB Islamic Bank operates across Malaysia, so Johor residents have full access to this product.
Shariah Compliance & Oversight
RHB Islamic Bank's Shariah Committee is profiled in the RHB Integrated Report 2024 published on rhbgroup.com: Azizi Che Seman (Chairman, appointed 1 February 2023; also Chairman of Agrobank's Shariah Committee and of the AIBIM Shariah Advisory Committee), Mohd Zubir Awang (appointed 1 April 2023), Dr. Md. Nurdin Ngadimon (appointed 1 May 2022; former Deputy Director, Securities Commission Malaysia), Dr. Abdul Rahman A. Shukor (appointed 1 May 2021) and Assoc. Prof. Dr. Siti Salwani Razali (appointed 1 October 2015). The committee was established under RHB Islamic Bank Berhad pursuant to BNM's Shariah Governance framework (RHB Integrated Report 2024, rhbgroup.com, crawled 2026-08-06).
2026-08-06
Why It's Halal
Branded and documented as a Credit Card-i on RHB's Islamic cards shelf with the page describing 'Shariah-compliant value', a dedicated Islamic PDS and terms, and 0% profit (not interest) instalment framing. Oversight: RHB Islamic Bank's five-member Shariah Committee. Caveat: the underlying contract (Malaysian Islamic cards typically use Ujrah or Tawarruq) is named in the PDS rather than the page text (crawled rhbgroup.com 2026-08-06).
Regional Availability
RHB Islamic Bank serves all of Malaysia
✓ Available nationwide including Johor
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NationwideFrequently Asked Questions
What is RHB Islamic Bank RHB Cash Back Credit Card-i?
Why is RHB Islamic Bank RHB Cash Back Credit Card-i considered halal?
Is RHB Islamic Bank RHB Cash Back Credit Card-i available in Johor?
What Shariah oversight does RHB Islamic Bank have?
What financing structure does RHB Islamic Bank RHB Cash Back Credit Card-i use?
How do I apply for RHB Islamic Bank RHB Cash Back Credit Card-i in Johor?
Can Johor residents working in Singapore get Malaysian Islamic financing?
Which providers serve Johor Bahru in person?
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Important: HalalWallet provides educational information and comparisons to help you explore halal financial options. We do not provide financial, legal, or religious advice. Product structures and Shariah compliance oversight vary by provider. Always verify halal compliance directly with providers and consult with qualified Islamic finance advisors or scholars for guidance on specific products and your individual circumstances.