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

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worth RM5000
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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.

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, capped at RM30 monthly.


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


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
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. 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.


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