RHB World MasterCard Credit Card

Enjoy up to 6% cashback on your local dining, petrol and travel spending. What's more, get 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

Get a FREE
Cashback Giveaway
worth RM5000
when you apply through RinggitPlus *

Cashback Giveaway

Our Previous Winners


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.

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


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


5x complimentary access and 25% discount for all accompanying guests to participating Plaza Premium Lounges/Aerotel in Malaysia. For the sixth visit onward to the lounges in Malaysia, you'll get a 25% discount on the walk-in rate as well. On top of that, enjoy a special 20% discount at Plaza Premium Lounges around the world (except Shanghai and Beijing). Also, complement your journey with 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 favourite golf clubs in Selangor, Malaysia and enjoy zero green fees with RHB Golf Privileges. Terms and conditions apply.

Balance Transfer

Transfer your outstanding balance from other credit cards to an RHB credit card via the Smart Move Balance Transfer plan to benefit from low-interest rates 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 36 months from an RHB credit card.

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


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 Smart Instalment
Convert your purchase into affordable monthly instalments with 0% interest for up to 36 months. Combine all of your debts and use the 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% per annum for up to 36 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 an 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 spending is RM100.

Complimentary Access to Selected Plaza Premium Lounges

Escape the hustle and bustle of the busy airports by accessing participating Plaza Premium Lounges/Aerotel 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 a year. 

On the 6th access, you are required to pay the walk-in rate with a 25% discount at selected Plaza Premium Lounges in Malaysia.

Other privileges include:

  • All accompanying guests get a 25% discount on the applicable walk-in rate
  • Enjoy a 20% discount at participating Plaza Premium Lounges overseas, except in Shanghai and Beijing

Complimentary Green Fees 

RHB World MasterCard Credit Card offers complimentary green fees at selected golf clubs in Selangor, Malaysia.

  • Kota Permai Golf & Country Club, Selangor
  • Sungai Long Golf & Country Club, Selangor
  • Palm Garden Golf Club, Selangor
  • Glenmarie Golf & Country Club, Selangor
  • Tropicana Golf & Country Resort, Selangor

Do check out the terms and conditions here for more details on this golf privilege.

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
Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product