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 golf privileges, travel insurance and airport lounge access.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 6% cashback
  • 4% p.a. balance transfer over 12 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Free RM 350 AirAsia e-Voucher + RM100 Lazada e-Voucher & Much More!

Free RM 350 AirAsia e-Voucher + RM100 Lazada e-Voucher & Much More!


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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
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
12 months4% p.a. and 0% one-time upfront handling feefrom RM1000 
18 months7% p.a. and 0% one-time upfront handling feefrom RM1000 
24 months10.99% p.a. and 0% one-time upfront handling feefrom RM1000 
Learn more about RHB 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 
18 months7% one-time upfront handling feefrom RM1000 
24 months9% 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 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 RM600,000 for peace of mind.
Travel CoverageSum Insured
Travel InsuranceUp to RM600000
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
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
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
MasterCard PayPass

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 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

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.

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