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RHB · World Mastercard · Cashback

RHB World Mastercard

Earns
6% Petrol, from RM3,500 a month
Minimum spend
RM3,500 a month for the top rate
Min income
RM80,000 a year
Annual fee
Free for life 1% overseas fee, lower than most
See it on RHB's site

Good for

  • 6% cash back on travel, petrol and dining once you spend RM3,500 a month, up to RM30 each.
  • No annual fee, for you and your supplementary cards.
  • Up to 6 Plaza Premium lounge visits a year in Malaysia, and up to RM600,000 travel insurance.

Watch out

  • Below RM1,000 of local spend a month, you earn no cash back.
  • Other local spend earns 0.2%, and overseas spend 0.5% to 2%, set by your overseas spend alone.
  • Not on RHB's Apple Pay or Google Pay lists.

What it earns

Cash back, as a share of what you spend.

  • Counts toward the minimum: every billed purchase, except the ones below.
  • Does not count: Overseas / FX in-person, Online (foreign currency), Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billers.
SpendingEarnsDetails
Airlines (direct), Hotels (direct) and OTAs (Agoda, Booking, Expedia) in ringgit6% When you spend RM3,500 or more a month. Up to RM30 back a month.
Petrol in ringgit6% When you spend RM3,500 or more a month. Up to RM30 back a month.
Dining in ringgit6% When you spend RM3,500 or more a month. Up to RM30 back a month.
Airlines (direct), Hotels (direct) and OTAs (Agoda, Booking, Expedia) in ringgit2% When you spend RM2,500 or more a month. Up to RM30 back a month.
Petrol in ringgit2% When you spend RM2,500 or more a month. Up to RM30 back a month.
Dining in ringgit2% When you spend RM2,500 or more a month. Up to RM30 back a month.
Airlines (direct), Hotels (direct) and OTAs (Agoda, Booking, Expedia) in ringgit1% When you spend RM1,000 or more a month. Up to RM30 back a month.
Petrol in ringgit1% When you spend RM1,000 or more a month. Up to RM30 back a month.
Dining in ringgit1% When you spend RM1,000 or more a month. Up to RM30 back a month.
Spending in a foreign currency0.5% Up to RM100 back a month.
Spending in ringgit except Airlines (direct), Hotels (direct), OTAs (Agoda, Booking, Expedia) and more0.2% When you spend RM3,500 or more a month.
Spending in ringgit except Airlines (direct), Hotels (direct), OTAs (Agoda, Booking, Expedia) and more0.2% When you spend RM2,500 or more a month.
Spending in ringgit except Airlines (direct), Hotels (direct), OTAs (Agoda, Booking, Expedia) and more0.2% When you spend RM1,000 or more a month.
Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billersNothing

Getting your cash back

How it's paid
On your monthly statement The cash back you earn in a statement cycle is shown on your card's monthly statement. The cut-off is the day before your statement date, and later spend is credited in the next cycle.
Which month counts
Your statement cycle Your tier is set by your spend in each statement cycle, local and overseas counted apart, and each cap applies per month.
When you lose it
Refunds, voids, misuse, or RHB blocking your account RHB takes back cash back on returned, cancelled or unauthorised purchases, and voids earn none. RHB can revoke your rights for abuse or fraud, and only active, well-kept accounts that RHB has not blocked or closed are eligible.

Travel

Airport lounges
6 free visits a year Plaza Premium. 1 visit once you activate the card, plus 1 for each month after you spend RM500, up to 6 a year. Selected lounges in Malaysia. Counted per card, not shared with supplementary cards. The current program runs to 31 December 2026.
Overseas spending fee
1% 1% RHB administrative charge, on top of the card network's rate

Insurance

Travel accident
Up to RM600,000
Travel inconvenience
Not listed RHB does not list this cover for this card.
Shopping and fraud cover
Not listed RHB does not list this cover for this card.

Fees and charges

What it costs if you don't pay in full, or use it for cash.

Annual fee
Free for life No spending needed to keep it free.
Extra (supplementary) cards
No annual fee
Service tax
RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest
15%, 17% or 18% a year Depends on how reliably you paid over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment
5% of the balance, or RM50 Whichever is higher, plus any installments, unpaid past minimums, any amount over your limit and taxes.
Late payment
1% of the balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal
5% fee, at least RM15 Plus 8% service tax on the fee, and 18% a year interest from the day you take it out. No interest-free days.
Replacement card
RM50

Who can apply

Income
RM80,000 a year or more
Age
21 or older

Other perks

Card network
World Mastercard

Where this comes from