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 4.88% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Earn up to 6% cashback every month on local petrol, travel and dining spending (excluding cash advance, charity, overseas petrol and government transactions). 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 up to  monthly
Other Local Retail Spends0.2%uncappedfrom RM1,000 up to  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 up to  monthly


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


5x complimentary access and 25% discount for all accompanying guests to Plaza Premium Lounges in Malaysia. Enjoy special 20% discount at Plaza Premium Lounges around the world (except Shanghai & Beijing). 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
6 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
12 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
18 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
36 months4.88% 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 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 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
Contact-less Payment Methods
MasterCard PayPass


Minimum Annual Income
Minimum Age
  • 21 to 60 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 36 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
Enjoy great savings with interest rates as low as 4.88% for 12 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

With RHB World MasterCard Credit Card, you can earn up to 6% cashback. 

For a minimum of RM1,000 local spending on travel, petrol and dining, you can earn a 1% to 6% cash rebate with a maximum monthly cap of RM30. 

Meanwhile, you can earn unlimited 0.2% for all the other spending.

For overseas spending, you are able to enjoy 0.5% to 2% cashback with minimum spending of RM1000. The maximum monthly cap for overseas spend is RM100.

Complimentary Access to Plaza Premium Lounge

Escape the hustle and bustle of the busy airports 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 a 25% discount at all Plaza Premium Lounges in Malaysia and 20% at all the lounges all around the world, except Shanghai and Beijing.

Complimentary Green Fees 

RHB World MasterCard Credit Card offers complimentary green fees 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 fees 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

Enjoy Automatic Travel Insurance Coverage from RHB World MasterCard Credit Card

When your airline ticket fare is charged with RHB World MasterCard Credit Card, you're eligible for travel accident coverage of up to RM600,000. 

You will also be protected by travel inconvenience benefits such as:

  • 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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