RHB Gold MasterCard credit card

Also available as Visa

RHB Gold MasterCard

Enter a new world of privileges with RHB Gold MasterCard. Get reward points for every ringgit you spend, and free travel insurance.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 7.3% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM137.80 annual fee
  • Earn up to 1x reward point 

Benefits

Because you should be rewarded for giving the bank your business

Rewards
Get more ideas and gifts with RHB Reward Points. Transform your home into an ultra modern sanctuary with a selection of home appliances and kitchen essentials; get a new gadget to jazz up your digital lifestyle; choose from a wide selection of luggage bags and backpacks to let you travel in style. So many rewards to choose from! The reward points will have a 2-year expiry!
RHB Reward Points
EarnSpent
1 point on every RM1on all retail expenses
Your RHB Reward Points earned expires in  4 years
Balance Transfer
Enjoy interest as low as 1.99% on your outstanding balance when your transfer your credit card debt to your brand new RHB Gold MasterCard via the RHB Smart Move Balance Transfer plan.
Pay OverWith Interest Rate AtWhen You Transfer
12 months7.3% p.a. and 4% one-time upfront handling feefrom RM1000 
18 months8.67% p.a. and 7% one-time upfront handling feefrom RM1000 
24 months10.22% p.a. and 10.99% one-time upfront handling feefrom RM1000 
Learn more about RHB Smart Move Balance Transfer
Easy Payment Plan (EPP)
Pay for your big ticket items with RHB Smart Instalment at 0% one-time upfront interest for up to 24 months at selected merchants. RHB Dial-An-Instalment offers payment terms of 6 to 24 months on any retail purchase.
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feefrom RM500 
24 months17.5% one-time upfront handling feefrom RM2000 
12 months4% one-time upfront handling feefrom RM2000 
Learn more about RHB Dial-An-Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feefrom RM1000 
9 months0% p.a. and no one-time upfront handling feefrom RM1000 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about RHB Smart Instalment
Travel
Airmiles, Emergency Helpdesk, and Free Travel Insurance.
Travel CoverageSum Insured
Travel InsuranceUp to RM600000
Delayed FlightUp to RM250
Missed FlightUp to RM250
Lost LuggageUp to RM500
Delayed LuggageUp to RM400

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM137.80
Annual Fee for Supplementary Card
RM74.20
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
RHB Dial-An-Instalment
RHB Smart Instalment
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
RHB CashXcess
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
RHB Smart Move Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.