RHB World MasterCard Credit Card

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

RHB World MasterCard Credit CardUp to 6% Cashback
Min. Income
Annual Fee
up to 6%
Balance Transfer
From 4% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a FREE
Poh Kong 999.9 (1G) Gold Bar
worth RM349
when you apply through RinggitPlus3

Poh Kong 999.9 (1G) Gold Bar


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.

Cashback categoryCashback rateMonthly capSpend
Local Travel, Petrol, Dining Transactions1%RM30from RM1,000 up to RM2,499 monthly
Local Travel, Petrol, Dining Transactions2%RM30from RM2,500 up to RM3,499 monthly
Local Travel, Petrol, Dining Transactions6%RM30from RM3,500 and above monthly
Other Local Retail Spends0.2%uncappedfrom RM1,000 and above monthly
Overseas Retail Spends0.5%RM100from RM1,000 up to RM2,499 monthly
Overseas Retail Spends1%RM100from RM2,500 up to RM3,499 monthly
Overseas Retail Spends2%RM100from RM3,500 and above monthly


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


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 RM600,000 for peace of mind.

Travel CoverageSum Insured
Travel InsuranceUp to RM600,000
Delayed FlightUp to RM500
Missed FlightUp to RM500
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM500


Practice your swing at your favorite golf clubs in Malaysia and enjoy zero green fees by RHB Golf Privileges, and you can enjoy up to 50% off on the walk-in green fees by MasterCard Golf Privileges across the Southeast Asia region.

Balance Transfer

Exclusively for new customers, enjoy 0% interest for 12 months with RHB Smart Move Balance Transfer plan! 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
12 months4% p.a. and no one-time upfront handling feefrom RM1,000
18 months7% p.a. and no one-time upfront handling feefrom RM1,000
24 months10.99% 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 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.

RHB Dial-An-Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feeRM500
12 months5% one-time upfront handling feeRM1,000
18 months7% one-time upfront handling feeRM1,000
24 months9% one-time upfront handling feeRM2,000
Learn more about RHB Dial-An-Instalment
RHB Smart Instalment
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM1,000
9 months0% p.a. and no one-time upfront handling feeRM1,000
12 months0% p.a. and no one-time upfront handling feeRM1,000
24 months0% p.a. and no one-time upfront handling feeRM1,000
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 approval 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
Contact-less Payment Methods
MasterCard PayPass


Minimum Annual Income
Minimum Age
  • 21 to 60 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
RHB Dial-An-Instalment
Anything your heart desires is only a phone call away - swipe a minimum of RM500, choose your preferred tenure and off you go!
RHB Smart Instalment
Convert your purchase into affordable monthly instalments with 0% interest for up to 24 months. Combine all of your debts and use 100% available credit limit under this plan.
Cash Advance / Cash Loan
RHB CashXcess
Need extra cash? Apply for RHB CashXcess and enjoy low interest rates at affordable monthly instalments.
Balance Transfer Plans
RHB Smart Move Balance Transfer
Low rate balance transfer with up to 24 months to repay and consolidate your debt from other credit cards to your new RHB credit card.


Up to 6% Cashback

With RHB World MasterCard Credit Card, you can earn up to 6% cashback. For minimum RM1000 local spending on travel, petrol and dining, you can earn 1% to 6% cash rebate with maximum monthly cap of RM35. Meanwhile, you can earn 0.2% for all the other spending which is capped at RM15 per month.

For overseas spending, you are able to enjoy 0.5% to 2% cashback with minimum spending of RM1000. The maximum monthly cap is RM100. The maximum cashback is capped at RM220 per month for both local and overseas spending.

Complimentary Access to Plaza Premium Lounge

Escape the hustle and bustle of busy airport by accessing Plaza Premium Lounge in Malaysia. Complimentary lounges facilities offered are food and beverages, newspapers and magazines, high speed internet access, entertainment and flight information as well as the shower facility with amenities.

Your access to the lounges is free of charge for up to 5 times in a year. On the 6th access, you are required to pay the walk-in rate with 25% discount at all Plaza Premium Lounges in Malaysia and 20% at all the lounges all around the world.

Complimentary Green Fee

RHB World MasterCard Credit Card offers complimentary green fee at the selected golf clubs in Malaysia.

  • Kota Permai Golf & Country Club, Selangor
  • Sungai Long Golf & Country Club, Selangor
  • Pulai Springs Resort, Johor
  • Penang Golf Club, Penang
  • Palm Garden Golf Club, Selangor
  • Glenmarie Golf & Country Club, Selangor

The card also offers discounted green fee in South East Asia golf clubs.

  • Sentosa Golf Club, Singapore
  • Orchid Country Club, Singapore
  • Klub Golf Bogor Raya Pan, Indonesia
  • Pacific Nirwana Bali Golf Resort, Indonesia
  • Muang Kaew Golf Club, Thailand
  • Mission Hills Phuket Golf Resort & Spa, Thailand
  • Eagle Ridge Golf & Country Club, Philippines
  • Fairways & Bluewater Golf Club, Philippines
  • Tam Dao Golf Club, Vietnam
  • Heron Lake Golf Club, Vietnam
  • Laguna Lang Co Golf Club, Vietnam
  • Long Thanh Golf Club, Vietnam
  • Song Be Golf Club, Vietnam
  • Da Lat Golf Club, Vietnam

Automatic Travel Insurance Coverage

When your airline ticket fare is charged with RHB World MasterCard Credit Card, you're eligible for travel accident coverage of up to RM600000. You will also be protected by travel inconvenience benefits.

  • Up to RM500 for flight delay, cancellation and missed connection
  • Up to RM500 for luggage delay
  • Up to RM1000 for luggage lost

Who can apply?

Anybody aged 21 years old and above 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.

If you're a self employed individual, you need to have a business with a minimum of 5 years in operation to qualify for RHB credit card application.