RHB World MasterCard Credit Card credit card

RHB World MasterCard Credit Card

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

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 6% cashback
  • 7.3% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Up to 6% cashback on travel, petrol, dining at local and overseas spending. Maximum monthly cashback is capped at RM220 per month.
Discover how much you can save when you shop with your new RHB World MasterCard Credit Card
Cashback CategoryCashback RateMonthly CapSpend
Dining, Petrol and TravelSpendfrom RM1000 up to RM2499 monthly1%RM35from RM1000 up to RM2499 monthly
Dining, Petrol and TravelSpendfrom RM2500 up to RM3499 monthly2%RM35from RM2500 up to RM3499 monthly
Dining, Petrol and TravelSpendfrom RM3500 and above monthly6%RM35from RM3500 and above monthly
Other Local RetailSpendfrom RM1000 and above monthly0.2%RM15from RM1000 and above monthly
Other Overseas RetailSpendfrom RM3500 and above monthly2%RM100from RM3500 and above monthly
Overseas SpendingSpendfrom RM2500 up to RM3499 monthly1%RM35from RM2500 up to RM3499 monthly
Overseas SpendingSpendfrom RM3500 and above monthly2%RM100from RM3500 and above monthly
Balance Transfer
Transfer your credit card outstanding balance to lower one-time interest rate as low as 4% per annum. Minimum transfer amount is RM1000.
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)
With RHB Smart Instalment, you can enjoy 0% monthly instalment with participating merchants. Meanwhile, you can also opt to RHB Dial-An-Instalment with one-time upfront fee as low as 1.2% p.a. for the other purchases.
Pay OverWith Interest Rate AtWhen You Spend
6 months1.2% one-time upfront handling feefrom RM1000 
6 months2.5% one-time upfront handling feefrom RM500 
12 months2.99% one-time upfront handling feefrom RM1500 
12 months5% one-time upfront handling feefrom RM1000 
24 months17.5% 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
Petrol
Enjoy up to 6% petrol cashback at all petrol stations.
Travel
Enjoy 5x complimentary access to Plaza Premium Lounge in a year. Be protected by travel insurance coverage of up to RM600000.
Travel CoverageSum Insured
Personal AccidentUp to RM600000
Delayed FlightUp to RM500
Missed FlightUp to RM500
Lost LuggageUp to RM1000
Delayed LuggageUp to RM500
Premium
Complimentary Green Fee specially for you at gold and country clubs in Malaysia.

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
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
PayPass

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM100000
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.

RHB World MasterCard Credit Card review

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

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 for 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 6 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 are 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

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