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Min. Monthly Income
RM8,333.00
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Interest Rate
15% p.a.
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Balance Transfer
4% p.a.
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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
- 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 |
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18% p.a – if any of the above are not met |
Sales and Services Tax (SST) | 0% 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 
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!