RHB World Mastercard
Up to 6% cashback on domestic, overseas & petrol spend (RM3,500+/mo)
Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
RHB Bank RHB World Mastercard overview
The RHB Bank RHB World Mastercard is a World-tier Mastercard cashback card built around cashback. Up to 6% cashback on domestic, overseas & petrol spend (RM3,500+/mo). It best suits upper-middle-income earners, with a minimum income requirement of RM80,000 a year. It carries no annual fee. Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓Tiered cashback by monthly spend: 1% (RM1,000–2,499/mo), 2% (RM2,500–3,499/mo), 6% (RM3,500+/mo) on domestic, overseas & petrol spend, each capped RM30/mo
- ✓0.20% cashback on travel spend (uncapped)
- ✓0.50–2% cashback on dining/other spend, capped RM100/mo, by tier
- ✓Cashback excludes cash advance, charity, government & overseas petrol transactions
- ✓Up to 6x complimentary Plaza Premium Lounge access (Malaysia) per calendar year, min RM500 spend in prior month
- ✓Travel insurance up to RM600,000
Is the RHB World Mastercard worth it?
The RHB World Mastercard is best suited to upper-middle-income earners — its minimum income requirement is RM80,000 a year (about RM6,667 a month). As a cashback card, it works best for everyday spenders who want straightforward rebates on categories like petrol, groceries and dining.
- +Free for life — no annual fee
- +Up to 6% cashback on domestic, overseas & petrol spend
- +Complimentary airport lounge access
- +Complimentary travel insurance
- +Broad range of benefits and perks
- −Cashback capped at RM30 a month
- −Top cashback applies only to specific categories (domestic, overseas & petrol spend)
- −Higher income requirement — RM80k a year
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Cashback at a glance
Rewards everyday spending, up to RM30/month. The maximum is the published monthly cap; actual cashback depends on the exact eligible categories, exclusions and minimum-spend terms — confirm the fine print below before you apply.
Eligibility & how to apply
Requirements are general guidance — RHB Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the RHB World Mastercard, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- Cashback excludes cash advance, charity, government and overseas petrol transactions.
- Min spend to earn
- RM3,500 total monthly spend to unlock the headline 6% tier (1% at RM1,000–2,499/mo, 2% at RM2,500–3,499/mo)
- How the cap works
- 6% cashback on domestic/local, overseas and petrol spend each capped at RM30/month; travel spend earns a flat 0.20% uncapped; dining/other spend earns 0.50–2% (by tier) capped at RM100/month.
- Foreign transaction fee
- Visa/Mastercard's own conversion rate on the processing date, plus a 1% RHB administration cost on the converted Ringgit amount.
- ⚠This card was revamped from a Bonus-Points/miles product into this tiered cashback structure — the official page no longer mentions Bonus Points or a miles conversion at all
- ⚠The 6% top tier needs RM3,500+ total monthly spend; falling short drops you to the 1–2% tier that month
Verified 6 August 2026. Summarised in our own words from RHB Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official RHB World Mastercardterms & product disclosure →RHB World Mastercard FAQ
You need a minimum annual income of RM80,000 (about RM6,667 a month). RHB Bank also considers your overall credit standing.
No — the RHB World Mastercard is free for life with no annual fee.
It earns up to 6% cashback on domestic, overseas & petrol spend, capped at RM30 a month. Up to 6% cashback on domestic, overseas & petrol spend (RM3,500+/mo).
No — the RHB World Mastercard is a conventional credit card. Check with RHB Bank for any Islamic (card-i) equivalent.
It's a good fit for upper-middle-income earners who want cashback — its main draw is "Up to 6% cashback on domestic, overseas & petrol spend (RM3,500+/mo)". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the RHB World Mastercard compares
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Rates, fees and promotions are indicative and time-limited — always confirm current terms with RHB Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by RHB Bank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.