RHB World Mastercard Credit Card

Min. annual incomeRM80,000RM6,666.67 / month equivalent

Principal annual feeRM0

Card networkMastercardConventional card

View with bank ↗← All RHB cards

Up to 6 visits / calendar yearSelected Plaza Premium Group lounges / Aerotel

BEFORE YOU FLY

Airport lounge access

Plaza Premium Lounge Program 2026

Up to 6 visits / calendar year

Selected Plaza Premium Group lounges / Aerotel

Use viaPhysical eligible RHB card + boarding pass; no mandatory app stated

Qualifying spend & allocation: 1 entry upon activation; RM500 eligible retail spend in the previous calendar month unlocks 1 further entry, up to 5 additional entries per year (6 total).
Principal / supplementary: Principal AND supplementary cards can qualify, but spending and access quotas are calculated separately for EACH card. They cannot be pooled or transferred.
Guests: No automatic free guest entry. Accompanying adults and excess visits: 25% off Malaysian PPG walk-in rates; overseas PPG discount 20%, subject to programme / outlet terms.
Where it works: Selected Malaysian lounges in the Signature / World / Business Platinum column; no blanket worldwide free access.

1 January – 31 December 2026. Unused access does not carry forward to the next year. Retail qualification uses posted amounts; original eligible IPP / DAI purchases count, subsequent monthly instalment postings do not.

Entry steps & validity

Present physical eligible card and a matching boarding pass for entitlement checks. Activate new / replacement cards at least 7 working days before travel; renewal access balances carry forward. Typical listed lounge entitlement is 3 hours; selected Aerotel / resting-suite offers are 1 hour for one person, as shown in the location list.

View eligible lounges ↗Qualification & entry rules ↗

Check the linked card-specific list and your remaining entitlement before travelling. A lounge network logo does not mean every lounge or guest is free; entry remains subject to capacity and local rules.

THE DETAILS

Benefit breakdown

Local cashback

Local cashback
Eligible LOCAL statement-month spend	Local petrol / travel / dining	Other eligible local retail
RM1,000–RM2,499.99	1% per category	0.2%
RM2,500–RM3,499.99	2% per category	0.2%
RM3,500+	6% per category	0.2%

Each named local bonus category has an independent RM30 monthly cap (RM90 combined). Local and overseas spending are assessed in their respective buckets under the card terms; do not combine them to reach a higher local tier.

Overseas cashback

Overseas cashback
Eligible OVERSEAS statement-month spend	Rate	Monthly cap
RM1,000–RM2,499.99	0.5%	RM100
RM2,500–RM3,499.99	1%	RM100
RM3,500+	2%	RM100

Eligible foreign-currency retail; the overseas spending bucket has its own threshold. Below RM1,000 does not qualify for these published tiers. Overseas petrol is excluded; eligible local petrol remains a World bonus category.

Fees & charges

Principal annual fee: RM0
Supplementary annual fee: Waived
Annual fee waiver: Principal and supplementary annual fees waived.
Service tax: RM25 per principal and supplementary credit card annually; annual-fee waiver does not waive this tax.
Retail finance rate: 15% / 17% / 18% p.a. depending on prompt-payment history over the preceding 12 months.
Cash advance interest rate: 18% p.a., calculated daily from cash release until full settlement.
Cash advance fee: Higher of 5% of withdrawal or RM15, plus applicable service tax (8% on the fee).
Minimum monthly payment: Higher of 5% of outstanding balance or RM50, plus monthly instalments, unpaid previous minimums, over-limit amounts and applicable card / other taxes.
Late payment charge: Higher of RM10 or 1% of outstanding balance; maximum RM100.
Overseas conversion: Visa / Mastercard conversion rate plus 1% bank administration charge; applicable taxes may apply.
Interest-free retail period: 20 days from statement date when the full previous statement is paid on time; not applicable to cash advances, balance transfers or instalment facilities.
Replacement card: RM50 per card.

Requirements

Minimum annual income: RM80,000
Principal minimum age: 21 years
Supplementary minimum age: 18 years
Documents: Identity and bank-requested income evidence. Salaried: EPF / payslips and bank / tax records. Self-employed: business registration, tax returns and bank statements. Foreign applicants need passport, employment / work-permit and address evidence.

Payment plans

Smart Instalment Payment Plan

Smart Instalment Payment Plan
Facility	Minimum / tenure	Rate / condition
Merchant IPP	RM500 minimum; up to 36 months at selected merchants	0% on the participating merchant’s approved offer

Available term depends on merchant and transaction. Conversion facilities are separate from the card’s retail interest-free period.

Dial-An-Instalment 2026

Dial-An-Instalment 2026
Tenure	Minimum transaction	Upfront fee / actual management charge	Effective rate p.a.
6 months	RM500	2.5%	8.52%
12 months	RM1,000	5%	9.10%
18 months	RM1,000	7%	8.67%
24 months	RM1,000	9%	8.41%

Published existing-cardholder campaign through 31 December 2026. Upfront fees are not annual interest rates. New-cardholder 0% offers require separate qualification.

CashXcess 2026

CashXcess 2026
Tenure	Flat rate p.a.	Effective rate p.a.
12 months	7.88%	14.24%
24 months	7.88%	14.47%
36 months	9.88%	17.72%
48 months	9.88%	17.41%

Principal personal cardholder only; minimum RM1,000, up to 80% of available limit, subject to approval. Campaign ends 31 December 2026; commercial cards excluded.

Product features

Balance transfer: Smart Move Balance Transfer is available on eligible personal principal cards; rate, tenure and introductory offers follow the specific current application offer. The PDS states these rates are variable, not a permanent card benefit.
Transaction classification: Spending and bonuses use eligible posted transactions, merchant codes and transaction modes. Fees, tax, cash / quasi-cash, transfers, reversed transactions and other exclusions do not automatically qualify; each programme has its own exclusions.
Golf privileges 2026: Eligible principal / supplementary cardholder must spend RM5,000 in the latest statement. Complimentary green fees at participating Malaysian clubs: up to 1 game per calendar month / 12 per year, subject to card / club availability. Book via RHB Priority Line at least 7 working days ahead on weekdays or 10 for weekends / public holidays; not more than 21 days ahead. Buggy, caddy, insurance, administration and guest charges remain payable. Programme ends 31 December 2026.
Golf cancellation: Cancellation within 7 working days, no-show or late arrival may cost RM300 or the total golf charges, whichever is higher. Handicap / golfer-insurance and minimum-player rules apply.
Travel insurance: Advertised maximum RM600,000 travel accident cover when the full eligible travel fare is charged to this card. The policy defines insured cardholder / family, eligible trips, claim windows and exclusions; this sum is not every benefit’s payout.
Travel-inconvenience sub-limits: Policy benefits include up to RM500 for qualifying flight delay / cancellation / missed connection, RM500 baggage delay and RM1,000 baggage loss, subject to specific event definitions and proof.

Product disclosure·Card terms·Terms apply

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.