RHB World MasterCard Credit Card-i

Enjoy up to 6% cashback on your local dining, petrol and travel spending. What's more, enjoy complimentary golf privileges, airport lounge access and flexible credit lines.

RHB World MasterCard Credit Card-iUp To 6x Free Airport Lounge Access
Min. Income
RM6,666.67/month
Annual Fee
Free
Cashback
up to 6%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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JBL Bar 1300
worth RM7999
when you apply through RinggitPlus *

JBL Bar 1300

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Cashback

Earn up to 6% cashback every month on local petrol, dining and travel spending (excluding cash advance, charity, overseas petrol and government transactions). If you're travelling abroad, don't forget to bring along this card as you get up to 2% cashback on all overseas spending.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Local Travel, Petrol and Dining Transactions1%RM30from RM1,000up to RM2,499 monthly
Local Travel, Petrol and Dining Transactions2%RM30from RM2,500up to RM3,499 monthly
Local Travel, Petrol and Dining Transactions6%RM30from RM3,500 or above monthly
Other Local Retail Spends0.2%uncappedfrom RM1,000up to RM2,499 monthly
Other Local Retail Spends0.2%uncappedfrom RM2,500up to RM3,499 monthly
Other Local Retail Spends0.2%uncappedfrom RM3,500 or above monthly
Overseas Retail Spends0.5%RM100from RM1,000up to RM2,499 monthly
Overseas Retail Spends1%RM100from RM2,500up to RM3,499 monthly
Overseas Retail Spends2%RM100from RM3,500 or above monthly

Petrol

Enjoy up to 6% petrol cashback at all petrol stations nationwide.

Travel

Up to 6x complimentary access and 25% off for accompanying guests to participating Plaza Premium Lounges in Malaysia for you to indulge in exclusivity and privacy. For the 7th visit onward, you'll get 25% off on the walk-in rate. Additionally, enjoy 20% off at all Plaza Premium Lounges around the world (except Shanghai and Beijing).

Premium

Practice your swing at selected golf clubs in Selangor, Malaysia and enjoy complimentary green fees with RHB Golf Privileges. Terms and conditions apply. Give a call to RHB at 03-9206 1111 for more details or bookings.

Balance Transfer

Transfer your outstanding balance from other credit cards to an RHB credit card via the Smart Move Balance Transfer plan. Enjoy a special offer of 0% interest per annum over a 12-month tenure. Terms and conditions apply!

Pay OverWith Interest Rate AtWhen You Transfer
12 months0% p.a.and no one-time upfront handling feefrom RM1,000
6 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.88% p.a. and no one-time upfront handling feefrom RM1,000
36 months6.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about RHB Smart Move Balance Transfer

Easy Payment Plans

Turn your wish list into reality with a flexible instalment payment plan of up to 36 months from an RHB credit card at 0% interest with participating merchants.

RHB Smart Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about RHB Smart Instalment

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
payWave

Requirements

Minimum Annual Income
RM80,000
Minimum Age
  • 21 to 65 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
RHB Smart Instalment
Convert your purchase into affordable monthly instalments with 0% interest for up to 36 months. Use the 100% available credit limit under this plan.
Cash Advance / Cash Loan
RHB CashXcess
Need extra cash? You can withdraw from your principal RHB Credit Card/-i via this plan and enjoy zero interest rates, valid until 31 December 2024.
Balance Transfer Plans
RHB Smart Move Balance Transfer
Enjoy great savings with a 0% interest rate per annum for 12 months to repay and consolidate your debt from other credit cards to your new RHB credit card.

Review

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 World MasterCard Credit Card-i

With RHB Islamic World MasterCard Credit Card-i, your travelling 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 which are local and overseas spending. 

For every Travel, Petrol, and Dining transaction performed in Malaysia, you can earn up to 6% cashback when you spend above RM3,500, capped at RM30 per month. 

Spending 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 gives you a maximum of 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
  • Dating and Escort Services

Complimentary Airport Lounge Access

Making RHB 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 to up to 6x complimentary access to participating Plaza Premium Lounges in Malaysia. Your accompanying guests get to enjoy a 25% discount on the applicable walk-in rate.

In addition, you will get a 25% discount on the walk-in rates as well when you have expired the free passes. 

On top of that, when you're travelling to other airports overseas, you can also get 20% off on access at all Plaza Premium Lounges worldwide except Shanghai and Beijing.

Click here to find out more details about this privilege and the list of participating airport lounges.

Golf Privileges from RHB World MasterCard Credit Card-i

For golf lovers, RHB World MasterCard Credit Card-i also invites you to practice your swing for free at selected renowned Golf Clubs in Selangor, Malaysia. 

  • Sungai Long Golf & Country Club
  • Glenmarie Golf & Country Club
  • Tropicana Golf & Country Resort
  • Kota Permai Golf & Country Club

Even when you go overseas, you can enjoy up to 50% off on the walk-in rates at Golf Clubs across Asia.

All you have to do is spend a minimum of RM3,000 every month to qualify for up to 4 times access per golf club in one calendar year.

Flexible Credit Lines

Oftentimes, people will avoid credit cards for fear of impulse swiping and delinquency on payment. 

But do you know that credit cards can do you an immense favour in meeting your financial difficulties?

There are instances where your purse string is tight but you need to survive the day, or your favourite items in the store are 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. 

Or, if you're looking to consolidate all your credit card outstanding debts, have a look at the RHB Smart Move Balance Transfer plan.

0% Interest RHB Smart Move Balance Transfer Campaign

Looking to lessen your credit card debts? If you are a Principal or Primary cardholder of other banks’ credit card(s) issued in Malaysia, take this chance to transfer your outstanding balances to a new RHB credit card/-i at ZERO interest!

Valid until 31 December 2024 (“Campaign Period”), you can enjoy 0% interest over 12 months of a balance transfer plan with a minimum transfer amount of RM1,000, subject to the campaign’s terms and conditions. The maximum transfer amount would be up to RM30,000, which is subject to 80%* of your available RHB Credit Card/-i credit limit.

Additionally, this campaign applies to new-to-bank credit cardholders and you can make an application within two (2) months from your new RHB Credit Card/-i approval date.

Any RHB Supplementary cards, RHB Business Credit Card, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i are not eligible for this balance transfer campaign.

If you are keen, make an application by visiting any RHB branch or give a call to the RHB Customer Contact Centre at 03 9206 8118 to take part!

RHB Dial-An-Instalment Campaign

An instalment plan can help you have a better cash flow if you wish to buy a big-ticket item. It’s even better if the plan has ZERO rate and you can do so with the RHB Dial-An-Instalment, subject to the campaign’s terms and conditions.

This campaign ends on 31 December 2024, so grab this chance to enjoy a 0% one-time upfront rate and stretch your payments to 3, 6 or 12 months with a minimum transaction amount of RM300, RM500 and RM1,000 respectively. No maximum purchase amount limit is applicable. Refer to the below table for your easy reference.

Tenure Minimum Transaction Amount One-time Upfront Rate/Actual Management Fee Effective Rate
3 months RM300 0% 0%
6 months RM500 0% 0%
12 months RM1,000 0% 0%

You must be a new-to-RHB Credit Card/-i holder and you can only take part within three (3) months from the month that your new RHB card/-i is approved to participate in this campaign. The cards that are not eligible include RHB Business Credit Cards, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i.

If you are keen, make an application by giving a call to the RHB Customer Contact Centre at 03 9206 8118 to take part!

RHB CashXcess Zero Interest Campaign

From 1 January 2024 until 31 December 2024, you can enjoy 0% interest per annum when you withdraw from your Principal RHB credit card via the RHB CashXcess plan, subject to the campaign’s terms and conditions.

Referring to the T&C, the minimum withdrawal is set at RM1,000 while the maximum amount is set at up to RM30,000 subject to 80% of your available RHB Credit Card/-i credit limit. Only the Principal cardholder(s) is eligible to participate in this campaign and the CashXcess application must be approved within two (2) months from your RHB Credit Card/-i approval date.

The cards that are not eligible to participate include the RHB Supplementary Cards, RHB Business Credit Card, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i.

If you are keen, make an application by visiting any RHB branch near you or give a call to the RHB Customer Contact Centre at 03 9206 8118 to take part.

Once your CashXcess application has been approved, the said amount will be debited accordingly to your RHB Credit Card/-i account. Do ensure that your credit limit is sufficient before you apply!

Who can apply for RHB World MasterCard Credit Card-i?

Anybody aged 21 years old and above with a minimum annual income of RM80,000 can apply for RHB and RHB Islamic Credit Cards.

All you need to prepare is a valid identification card and other income and financial supporting documents as required by RHB. 

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