• Min. Monthly Income

    RM8,333.00

  • Interest Rate

    15% p.a.

  • Balance Transfer

    4% p.a.

  • Annual Fee

    Free

Feature Highlights
  • Up to 6% cash back for local spending
  • Up to 2% cash back for oversea spending
  • Lounge and golf privileges
Petrol
5.55/10
Travel
5.55/10
Dining
5.55/10
Groceries
4.3/10
Shopping
4.3/10

Petrol

  • 6% cash back (on petrol spending if total monthly spending is RM3,500 and above)
  • 2% cash back (on petrol spending if total monthly spending is between RM2,500 and RM3,499)
  • 1% cash back (on petrol spending if total monthly spending is between RM1,000 and RM2,499)

Travel

  • 6% cash back (on travelling if if total monthly spending is RM3,500 and above)
  • 2% cash back (on travelling if if total monthly spending is between RM2,500 and RM3,499)
  • 1% cash back (on travelling if if total monthly spending is between RM1,000 and RM2,499)
  • 2% cash back (on oversea spending if total monthly spending is RM3,500 and above)
  • 1% cash back (on oversea spending if total monthly spending is between RM2,500 and RM3,499)
  • 0.5% cash back (on oversea spending if total monthly spending is between RM1,000 and RM2,499)

Dining

  • 6% cash back (on dining if if total monthly spending is RM3,500 and above)
  • 2% cash back (on dining if if total monthly spending is between RM2,500 and RM3,499)
  • 1% cash back (on dining if if total monthly spending is between RM1,000 and RM2,499)
  • 2% cash back (on oversea spending if total monthly spending is RM3,500 and above)
  • 1% cash back (on oversea spending if total monthly spending is between RM2,500 and RM3,499)
  • 0.5% cash back (on oversea spending if total monthly spending is between RM1,000 and RM2,499)

Groceries

  • 0.2% cash back
  • 2% cash back (on oversea spending if total monthly spending is RM3,500 and above)
  • 1% cash back (on oversea spending if total monthly spending is between RM2,500 and RM3,499)
  • 0.5% cash back (on oversea spending if total monthly spending is between RM1,000 and RM2,499)

Shopping

  • 0.2% cash back
  • 2% cash back (on oversea spending if total monthly spending is RM3,500 and above)
  • 1% cash back (on oversea spending if total monthly spending is between RM2,500 and RM3,499)
  • 0.5% cash back (on oversea spending if total monthly spending is between RM1,000 and RM2,499)

Other Features

  • Protection Plan

    • Travel Insurance with coverage of up to RM600,000 if full airfare is charged to this credit card

  • Balance Transfer

    • 0% per annum for a tenure of 12 months; one-time upfront fee of 4% of transferred amount imposed

  • Instalment Plan

    • 0% interest Installment Payment Plan at all participating merchants

Card Information

Annual Fee Free (Free for life)
Min. Monthly Income RM8,333.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder Free for life
Finance charges 15% p.a. - prompt payment for 12 consecutive months

17% p.a. - prompt payment for at least 10 out of 12 months

18% p.a – if any of the above are not met

Goods & Services Tax (GST)

6% on annual fees and other charges

Late payment charge

RM10 or 1% of outstanding balance (whichever is higher), with maximum charge of RM100

Cash advance amount

RM5,000 daily

Cash advance charge

Higher of RM15 or 5.0% of cash advance amount

Cash advance interest charge

18% per annum on cash advance amount

Cashback Limit

RM220 per month

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Local and Overseas Cash Back

Get up to 6% cashback for dining, travelling and petrol when you spend with RHB World Mastercard Credit Card. For monthly spending RM3,500 and above, you will get 6% cashback on petrol, travel and dining expenses. If your monthly spending is between RM2,500 and RM3,499, you can get 2% cash back while if your monthly spending is between RM1,000 and RM2,499, you can get 1% cash back. For other spending, you get 0.2% cashback regardless of the amount spent. Besides that, you can get 2% cashback for oversea spending if your monthly spending is above RM3,500. You can get 1% cash back if your monthly spending is between RM2,500 and RM3,499 while 0.5% cash back is yours if your monthly spending is between RM1,000 and RM2,499. You also can enjoy 5x complimentary access to Plaza Premium Lounge in Malaysia and complimentary green fee at selected golf courses in Malaysia.

Fees and Charges

There is no annual fee charged to both principal and supplementary cardholders as it is waived for life. By settling your payments early before the deadline (paying the minimum monthly repayment of RM50 or 5% of outstanding balance, whichever is higher), you will get a low interest or 15% p.a. If you fail to make your payment on time, you will be charged late payment charges of 1% of outstanding amount or RM10, up to a maximum fee of RM100.

Are You Eligible For RHB World Mastercard Credit Card?

You need to be at least 21 years old and earn a minimum monthly income of RM8,333 to be a RHB World Mastercard Credit Card holder. To be a supplementary holder, you need to be at least 18 years old.

If you prefer to broaden your credit card search, review more RHB credit cards and start comparing today!