RHB World MasterCard Credit Card-i credit card

RHB World MasterCard Credit Card-i

Enjoy up to 6% cashback on your dining, petrol and travel. What's more - complimentary golf privileges, travel insurance and airport lounge access.

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • up to 6% cashback
  • 0% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Earn up to 6% cashback every month on local retail spending (excluding cash advance, petrol and government transactions), and up to 2% cashback on all overseas retail spending.
Discover how much you can save when you shop with your new RHB World MasterCard Credit Card-i
Cashback CategoryCashback RateMonthly CapSpend
Local Travel, Petrol, Dining TransactionsSpendfrom RM1000 up to RM2499 monthly1%RM30from RM1000 up to RM2499 monthly
Local Travel, Petrol, Dining TransactionsSpendfrom RM2500 up to RM3499 monthly2%RM30from RM2500 up to RM3499 monthly
Local Travel, Petrol, Dining TransactionsSpendfrom RM3500 and above monthly6%RM30from RM3500 and above monthly
Other Local Retail SpendsSpendfrom RM1000 and above monthly0.2%uncappedfrom RM1000 and above monthly
Overseas Retail SpendsSpendfrom RM1000 up to RM2499 monthly0.5%RM100from RM1000 up to RM2499 monthly
Overseas Retail SpendsSpendfrom RM2500 up to RM3499 monthly1%RM100from RM2500 up to RM3499 monthly
Overseas Retail SpendsSpendfrom RM3500 and above monthly2%RM100from RM3500 and above monthly
Balance Transfer
Transfer your outstanding balance from other credit cards to RHB credit card via Smart Move Balance Transfer plan to benefit from low interest rate and flexible repayment terms.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and no one-time upfront handling feefrom RM1000 
9 months1.8% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about RHB Islamic Smart Move Balance Transfer
Easy Payment Plan (EPP)
Turn your wish list into reality with a flexible payment plan of up to 24 months from RHB credit card. Enjoy 0% interest with RHB Smart Instalment, or pay a small one-time upfront interest with RHB Dial-an-Instalment.
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feefrom RM500 
12 months5% one-time upfront handling feefrom RM1000 
24 months17.5% one-time upfront handling feefrom RM2000 
Learn more about RHB Islamic Dial-An-Installment
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
Petrol
Enjoy up to 6% petrol cashback at all petrol stations nationwide.
Travel
5x complimentary access to Plaza Premium Lounges in Malaysia for you to indulge in the exclusivity and privacy. Also, complement your journey with a free travel insurance coverage of RM200,000 for peace of mind.
Travel CoverageSum Insured
Travel InsuranceUp to RM200000
Delayed FlightUp to RM500
Missed FlightUp to RM500
Lost LuggageUp to RM1000
Delayed LuggageUp to RM500
Premium
Practice your swing at your favorite golf clubs in the Southeast Asia region and enjoy zero green fees by RHB Golf Privileges, and 50% discount on green fees by MasterCard Golf Privileges.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
Annual Fee for Supplementary Card
RM0
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
Profit Rate on Cash Withdrawals
18%
Contact-less Payment Methods
MasterCard PayPass

All fees & charges are inclusive of 6% GST if applicable

Requirements

Are you eligible for this credit card?

Minimum annual income
RM80000
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
60 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 Islamic Dial-An-Installment
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 Islamic Smart Move Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

RHB World MasterCard Credit Card-i review

What's so good (or not so good) about it?

Discover a world of privileges and the best rewards when you sign up for the RHB Islamic World MasterCard Credit Card-i.

Up to 6% Cashback

With RHB Islamic World MasterCard Credit Card-i, your traveling and shopping experiences will never be dull again as you can earn cashback for every Ringgit spent locally and abroad.

There are two categories to look out for: local and overseas spending. For every Travel, Petrol, Dining transaction performed in Malaysia, you can earn up to 6% cashback when you spend above RM3,500, capped at RM30 per month.

Spend above RM1,000 on other retail purchases can get you 0.2% unlimited cashback. When you're on the other side of the world, all of your retail spending with MasterCard Credit Card-i give you a maximum 2% cashback, capped at RM100 every month.

Made for Halal Transactions

Please note that this Islamic credit card operates under the Shariah concept of Ujrah. So keep in mind that you can only swipe your World MasterCard Credit Card-i on Halal goods and services. RHB Islamic Bank will decline any payment charged to your credit card-i for transactions in the following situations:

Bars and Clubs
Purchase of Packaged Beers, Wine and Liquor
Cigar Stores and Stands
Gambling transactions. 

Airport Lounge Access

Making World MasterCard Credit Card-i your travel companion would be the best decision you have made as this credit card lives up to its name with a host of benefits that commensurate your lifestyle and travel needs. 

With this World MasterCard Credit Card-i, your next cross-border trip will be the most anticipated one as you are entitled up to 5x complimentary access to Plaza Premium Lounge in Malaysia. In addition, you will get 25% discount on the walk-in rates when you have expired the free passes.

Not to mention, when you're traveling to other airports, you get 20% off on access at all Plaza Premium Lounges worldwide - from the UAE to Canada, this World MasterCard Credit Card-i provides exponential reach and accessibility.

Free Travel Takaful Coverage

When all is said and done with your travel plan, don't forget to charge your full air fares to RHB Islamic World MasterCard Credit Card-i to enjoy a free travel Takaful coverage worth RM200,000, for both you and your family.

Enjoy a journey with peace of mind knowing that RHB Islamic has got your back with a complimentary Takaful coverage.

Golf Privileges

For golf-lovers, this World MasterCard Credit Card-i also invites you to practice your swing for free at selected renowned Golf Clubs in Malaysia. Even when you go overseas, you can enjoy up to 50% off on the walk-in rates at Golf Clubs across Asia.

Flexible Credit Lifelines

Often times people will avoid credit card for fear of impulse swiping and delinquent on payment. But do you know that credit card can do you an immense favor in meeting your financial difficulties?

There are instances where your purse string is tight but you need to survive the day, or your favorite items in the store is fast selling out but you don't have enough cash, here's where you can be smart.

For a flexible easy payment plan with low profit charges and longer tenures, you can check out the RHB Smart Instalment and RHB Dial-An-Instalment. Or, if you're looking to consolidate all your credit card outstanding debts, have a look at the RHB Smart Move Balance Transfer plan.

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