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
RM6,666.67/month
Annual Fee
Free
Cashback
up to 6%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Touch 'n Go E-Wallet Credit
worth RM5000
when you apply through RinggitPlus *

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Cashback

Earn up to 6% cashback every month on local petrol, travel and dining spending (excluding cash advance, charity, overseas petrol and government transactions). If you're travelling abroad, don't forget to bring along this card as you get up to 2% cashback on all overseas retail spending.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
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

Petrol

Enjoy up to 6% petrol cashback at all petrol stations nationwide, capped at RM30 monthly.

Travel

Up to 6x complimentary access and 25% discount for all accompanying guests to participating Plaza Premium Lounges in Malaysia. For the 7th visit onward, you'll get a 25% discount on the walk-in rate. On top of that, enjoy a special 20% discount at Plaza Premium Lounges around the world (except Shanghai and Beijing). In addition, complement your journey with free travel insurance coverage of RM600,000 for peace of mind. Terms apply to all!

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

Premium

Practice your swing at selected golf clubs in Selangor, Malaysia and enjoy complimentary green fees with RHB Golf Privileges. Terms and conditions apply. Give a call to RHB at 03-9206 1111 for more details or bookings.

Balance Transfer

Transfer your outstanding balance from other credit cards to an RHB credit card via the Smart Move Balance Transfer plan. Enjoy a special offer of 0% interest per annum over a 12-month tenure. Terms and conditions apply!

Pay OverWith Interest Rate AtWhen You Transfer
12 months0% p.a.and no one-time upfront handling feefrom RM1,000
6 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.88% p.a. and no one-time upfront handling feefrom RM1,000
36 months6.88% 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 instalment payment plan of up to 36 months from an RHB credit card with participating merchants.

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
18%
Contact-less Payment Methods
payWave

Requirements

Minimum Annual Income
RM80,000
Minimum Age
  • 21 to 60 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
RHB Smart Instalment
Convert your purchase into affordable monthly instalments with 0% interest for up to 36 months. Use the 100% available credit limit under this plan.
Cash Advance / Cash Loan
RHB CashXcess
Need extra cash? You can withdraw from your principal RHB Credit Card/-i via this plan and enjoy zero interest rates, valid until 31 December 2024.
Balance Transfer Plans
RHB Smart Move Balance Transfer
Enjoy great savings with a 0% interest rate per annum for 12 months to repay and consolidate your debt from other credit cards to your new RHB credit card.

Review

Up to 6% Cashback with RHB World MasterCard Credit Card

With the 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 can 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 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 6 times a year. On the 7th 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
  • 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 an 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

Find out more details here.

0% Interest RHB Smart Move Balance Transfer Campaign

Looking to lessen your credit card debts? If you are a Principal or Primary cardholder of other banks’ credit card(s) issued in Malaysia, take this chance to transfer your outstanding balances to a new RHB credit card/-i at ZERO interest!

Valid until 31 December 2024 (“Campaign Period”), you can enjoy 0% interest over 12 months of a balance transfer plan with a minimum transfer amount of RM1,000, subject to the campaign’s terms and conditions. The maximum transfer amount would be up to RM30,000, which is subject to 80%* of your available RHB Credit Card/-i credit limit.

Additionally, this campaign applies to new-to-bank credit cardholders and you can make an application within two (2) months from your new RHB Credit Card/-i approval date.

Any RHB Supplementary cards, RHB Business Credit Card, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i are not eligible for this balance transfer campaign.

If you are keen, make an application by visiting any RHB branch or give a call to the RHB Customer Contact Centre at 03 9206 8118 to take part!

RHB Dial-An-Instalment Campaign

An instalment plan can help you have a better cash flow if you wish to buy a big-ticket item. It’s even better if the plan has ZERO rate and you can do so with the RHB Dial-An-Instalment, subject to the campaign’s terms and conditions.

This campaign ends on 31 December 2024, so grab this chance to enjoy a 0% one-time upfront rate and stretch your payments to 3, 6 or 12 months with a minimum transaction amount of RM300, RM500 and RM1,000 respectively. No maximum purchase amount limit is applicable. Refer to the below table for your easy reference.

Tenure Minimum Transaction Amount One-time Upfront Rate/Actual Management Fee Effective Rate
3 months RM300 0% 0%
6 months RM500 0% 0%
12 months RM1,000 0% 0%

You must be a new-to-RHB Credit Card/-i holder and you can only take part within three (3) months from the month that your new RHB card/-i is approved to participate in this campaign. The cards that are not eligible include RHB Business Credit Cards, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i.

If you are keen, make an application by giving a call to the RHB Customer Contact Centre at 03 9206 8118 to take part!

RHB CashXcess Zero Interest Campaign

From 1 January 2024 until 31 December 2024, you can enjoy 0% interest per annum when you withdraw from your Principal RHB credit card via the RHB CashXcess plan, subject to the campaign’s terms and conditions.

Referring to the T&C, the minimum withdrawal is set at RM1,000 while the maximum amount is set at up to RM30,000 subject to 80% of your available RHB Credit Card/-i credit limit. Only the Principal cardholder(s) is eligible to participate in this campaign and the CashXcess application must be approved within two (2) months from your RHB Credit Card/-i approval date.

The cards that are not eligible to participate include the RHB Supplementary Cards, RHB Business Credit Card, RHB Purchasing Charge Card/-i, RHB Corporate Credit Card/-i and RHB Corporate Charge Card/-i.

If you are keen, make an application by visiting any RHB branch near you or give a call to the RHB Customer Contact Centre at 03 9206 8118 to take part.

Once your CashXcess application has been approved, the said amount will be debited accordingly to your RHB Credit Card/-i account. Do ensure that your credit limit is sufficient before you apply!

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