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    Compare & Apply for CIMB Credit Card Malaysia

    CIMB Bank offers credit cards that provide you with a host of privileges on every possible spend category. Most of the cards come with various promotions that you can utilise in participating outlets to get exciting deals and discounts.

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    Features and Benefits

    • Complimentary travel insurance coverage of up to RM1 million lets you travel worry-free.
    • Get a supplementary card for free.
    • Get a Touch ‘n Go Zing Card to speed up your payment. The card comes with an auto-reload facility.
    • Set standing instructions to pay your mobile and utility bills on your credit card.
    • Enjoy annual fee waiver on most of the CIMB credit cards.
    • Utilise the CIMB balance transfer facility at a low finance charge starting from 5.99% p.a.
    • Access cash from the nearest ATMs with the cash advance facility.

    CIMB Credit Cards – An Overview

    Card Name Ideal For Key Benefit Annual Fee Annual Income
    CIMB Tesco Platinum Credit Card Tesco Purchases. Up to 5% cash rebates on Tesco purchases every day. Waived. RM24,000.
    CIMB Petronas Platinum Credit Card Petrol Transactions. Up to 7% cash rebates on PETRONAS spends. Waived. RM24,000.
    CIMB Cash Rebate Platinum Credit Card Cinema, Petrol, Groceries, and Mobile and Utility Bill Payments. Up to 5% cash rebates on cinema, petrol, groceries, and mobile and utility bill payments. Waived. RM24,000.
    CIMB Enrich Platinum Mastercard Credit Card Travel. Earn 1 Bonus Mile on every RM4 spent in Malaysia and overseas. Waived. RM24,000.
    CIMB Enrich World Mastercard Credit Card Travel. Earn 1 Bonus Mile on every RM1.5 spent overseas. RM554.72 RM100,000.
    CIMB Enrich World Elite Mastercard Credit Card Travel. Earn 1 Bonus Mile on every RM1 spent overseas. RM1,215.09 RM250,000.
    CIMB World Mastercard Credit Card Overseas Spend. 2x Bonus Points on overseas spends. Waived. RM90,000.
    CIMB Visa Signature Credit Card Overseas Spend. 2x Bonus Points on overseas spends. Waived. RM60,000.
    CIMB Preferred Visa Infinite Credit Card CIMB Preferred members. Priority service at over 100 CIMB Preferred Centres and at all branches of CIMB Bank. Waived. For CIMB Preferred members only.
    CIMB Visa Infinite Credit Card Dining and Overseas Spend. 5x Bonus Points on dining and overseas spend. Waived. RM120,000.
    CIMB Platinum Visa/MasterCard Credit Card Retail Purchases. 1 Bonus Point for every RM1 spent. Waived. RM24,000.

    *Note: The finance charge for all the cards in the table ranges from 15% p.a. to 18% p.a.

    Best CIMB Credit Card

    CIMB Cash Rebate Platinum Credit Card: Best for Cashback

    • Get up to 5% cash rebate on a wide range of categories, such as cinema, petrol, grocery, and mobile and utility bill payments if the statement balance is RM3,000 and above.
    • Earn a cash rebate of 2% on the categories, such as cinema, petrol, grocery, and mobile and utility bill payments if the statement balance is within RM3,000.
    • Get 2% cash rebate on foreign currency transactions, both online and at the store.
    • Earn unlimited 0.2% cash rebate on all other retail and online transactions.
    • Get cash rebate on mobile and utility bill payment only when you set a standing instruction.

    CIMB Visa Infinite Credit Card: Best for Rewards

    • Collect 5x Bonus Points on dining and overseas transactions.
    • Accumulate 1x Bonus Point on all other transactions done with the card.
    • Enjoy 8x complimentary access to Plaza Premium Lounge when you spend a minimum of RM100,000 in a year.
    • Get a complimentary travel insurance coverage of up to RM1 million.
    • Receive travel-related assistance at the dedicated CIMB Premier Travel Desk.
    • Enjoy time-bound privileges, such as airport premium ride and regional dining privileges.

    CIMB Enrich World Elite Mastercard Credit Card: Best for Travel

    • Earn 1 Bonus Mile on every RM1 spent overseas.
    • Earn 1 Bonus Mile on every RM2 spent in Malaysia.
    • Once you accumulate 150,000 Bonus Miles, you can earn 1 Bonus Mile for every RM4 spent overseas and in Malaysia.
    • Redeem 1,000 Enrich Miles with 1,000 Bonus Miles.
    • Earn 1 additional Bonus Mile for every RM1 spent online when you book your flight on Malaysia Airlines.
    • Enjoy unlimited access to Malaysia Airlines Golden Lounge at various airports, such as KLIA International, KLIA Domestic, KLIA Regional, Penang, Kuching, and Kota Kinabalu.
    • Get exclusive privilege of 4x free access to participating golf clubs per year.
    • Enjoy personalised assistance to your queries round-the-clock with the CIMB Enrich World Elite Mastercard Concierge Service.

    CIMB Petronas Platinum Credit Card: Best for Petrol

    • Earn cash rebates of up to 7% on the amount spent on PETRONAS transactions if the statement balance of the month is RM3,000 and above.
    • Earn 3% cash rebate on PETRONAS transactions if your statement balance is within RM3,000.
    • Get unlimited cash rebate of 0.2% on all other retail spends.
    • Feel safe when you travel with a complimentary travel insurance coverage of up to RM1 million.
    • Enjoy benefits provided by the card, such as polish treatment, sterilising treatment, and car window tinting services at discounted prices at the participating merchant outlets.

    Rewards Programme

    • Earn Bonus Points when you spend on the qualifying categories with a rewards credit card.
    • Combine the Bonus Points earned on principal and supplementary cards to redeem gifts.
    • You can choose the item of your choice as available on the rewards redemption catalogue.
    • The different categories of items available on the catalogue include kitchen items, home essentials, healthcare products, travel accessories, gadgets, fun learning items, and gift vouchers.
    • Redeem via CIMB Clicks or use the order form.

    CIMB Credit Card Promotions

    • Enjoy a discount of 15% when you pay for your ice cream with a CIMB credit card at Cold Stone. The offer is available from 1 July 2018 until 30 June 2019. You can get the discount when you purchase an ice cream of “Like it” size and above. The discount is valid on dine-in and takeaway orders.
    • Get 5% off online grocery shopping on HappyFresh. The discount is valid when you place the order online between 16 July 2018 and 31 July 2019. You have to make the payment with your CIMB Bank debit/credit/prepaid card to get the benefit of the promotion. Keep in mind that the discount is capped at RM20 per redemption per transaction. You can place the order on HappyFresh website and mobile application.
    • Save 7% when you book a trip on Agoda with your CIMB Visa Infinite, CIMB World Mastercard, CIMB Visa Signature, or CIMB Platinum Credit Card. The booking period is valid from 1 July 2018 until 31 December 2018. The stay period is valid from 1 July 2018 until 31 March 2019. The promotion is available only on the participating hotels. You have to log on to Agoda’s website to make room reservations.

    Payment Plans

    0% Easy Pay

    You can purchase an item of your choice without looking at the affordability side. The CIMB 0% Easy Pay plan will allow you to convert the purchase into a monthly instalment payment plan with a repayment period of up to 36 months. The scheme includes a 0% interest rate which helps you pay-off the purchase amount much earlier as compared to a scheme with an applicable interest rate.

    Balance Conversion

    Convert the outstanding balance on your CIMB credit card into a monthly instalment payment plan using the Balance Conversion facility. The maximum approval time required is 3 working days. Remember that an interest rate of 9.8% p.a. is applicable. The interest rate is lower as compared to the normal finance charge of 15% p.a. to 18% p.a. You can get a repayment tenure of up to 36 months under the facility.

    CashLite

    Get access to cash whenever you need on dialling the number 03-22817000 between 10:00 a.m. and 6:00 p.m. from Monday to Friday with the CashLite facility. You don’t have to submit any documentation to get the benefits of the facility. The amount available under CashLite depends on the available credit limit of your CIMB credit card.

    A cash advance fee is not applicable under the scheme. You can get a repayment tenure of up to 48 months with the CashLite. The minimum amount available is RM1,000. A flat rate of 9.88% p.a. is applicable on the amount withdrawn.

    Balance Transfer Plans

    Consolidate the outstanding balance on your credit cards and transfer them to a CIMB credit card. You can get a repayment period of 1 year. The interest rate under the scheme can go up to 7.99% p.a., which is lower as compared to the finance charge of 15% p.a. to 18% p.a.

    The minimum amount that can be transferred is RM1,000. You can transfer up to 80% of the available credit limit based on the bank’s approval. The details of the facility are given in the table below:

    Repayment Tenure Balance Transfer Interest Rate
    6 months 5.99% p.a.
    12 months 7.99% p.a.

    Insurance Plans

    Credit Protector Plus

    The Credit Protector Plus is a coverage of the outstanding balance of your CIMB credit card. Get a coverage of up to RM150,000 in case of death, total and permanent disability, and critical illness. The policy is offered by Sun Life Malaysia Assurance Berhad. You have to be a principal cardholder aged between 21 and 60 years to be eligible to get the protection.

    Travel Insurance

    Many credit cards offered by CIMB provides a complimentary travel insurance that takes care of travel personal accident and travel inconvenience. You can get a coverage of up to RM1 million in case of death or total and permanent disability when you travel overseas. The insurance is provided for free only if you charge the entire airfare to your card.

    Eligibility Criteria

    Age Criteria:

    • Minimum age required for primary card: 21 years.
    • Minimum age required for supplementary card: 18 years.

    Nationality:

    • Malaysians and permanent residents of Malaysia.

    Annual Income Requirement:

    Cards Name Minimum Annual Income Required
    CIMB Tesco Platinum Credit Card RM24,000
    CIMB Petronas Platinum Credit Card RM24,000
    CIMB Cash Rebate Platinum Credit Card RM24,000
    CIMB Enrich Platinum Mastercard Credit Card RM24,000
    CIMB Enrich World Mastercard Credit Card RM100,000
    CIMB Enrich World Elite Mastercard Credit Card RM250,000
    CIMB World Mastercard Credit Card RM90,000
    CIMB Visa Signature Credit Card RM60,000
    CIMB Preferred Visa Infinite Credit Card NA
    CIMB Visa Infinite Credit Card RM120,000
    CIMB Visa Platinum Credit Card RM24,000
    CIMB Platinum Mastercard Credit Card RM24,000

    Documents Required

    Mandatory Document
    • A copy of MyKad/NRIC with your signature.
    Salaried Employees of Multinational Companies, Public-listed Companies, and Government-linked Companies
    • Fixed income earners: Latest salary slip or EPF statement having a minimum of 6 months’ contribution.
    • Variable income earners: Last 3 months’ salary slip or EPF statement having a minimum of 6 months’ contribution.
    Other Company Employees
    • Last 3 months’ salary slip and 3 months’ bank statement.
    • Last 6 months’ EPF statement showing 6 months’ contribution.
    Self-employed Individuals
    • Latest Form B with the LHDN payment receipt or e-Form B and tax e-filing acknowledgement receipt.
    • A minimum of 6 months’ bank statement and business registration certificate.

    Fees and Charges

    Type of Fees Charges
    Annual Fee (Principal Card) CIMB Enrich World Mastercard Credit Card—RM554.72.
    CIMB Enrich World Elite Mastercard Credit Card—RM1,215.09.
    CIMB Tesco Platinum Credit Card—Waived.
    CIMB Petronas Platinum Credit Card—Waived.
    CIMB Cash Rebate Platinum Credit Card—Waived.
    CIMB Enrich Platinum Mastercard Credit Card—Waived.
    CIMB World Mastercard Credit Card—Waived.
    CIMB Visa Signature Credit Card—Waived.
    CIMB Preferred Visa Infinite Credit Card—Waived.
    CIMB Visa Infinite Credit Card—Waived.
    CIMB Visa Platinum Credit Card—Waived.
    CIMB Platinum Mastercard Credit Card—Waived.
    Annual Fee (Supplementary Card) CIMB Enrich World Mastercard Credit Card—Waived.
    CIMB Enrich World Elite Mastercard Credit Card—RM288.
    CIMB Tesco Platinum Credit Card—Waived.
    CIMB Petronas Platinum Credit Card—Waived.
    CIMB Cash Rebate Platinum Credit Card—Waived.
    CIMB Enrich Platinum Mastercard Credit Card—Waived.
    CIMB World Mastercard Credit Card—Waived.
    CIMB Visa Signature Credit Card—Waived.
    CIMB Preferred Visa Infinite Credit Card—Waived.
    CIMB Visa Infinite Credit Card—Waived.
    CIMB Visa Platinum Credit Card—Waived.
    CIMB Platinum Mastercard Credit Card—Waived.
    Finance Charges 15% p.a. to 18% p.a. based on the repayment behaviour.
    Minimum Monthly Payment 5% of the current outstanding balance + any unpaid minimum monthly payment from the previous month or RM50, whichever is higher.
    Late Payment Fee 1% of the unpaid outstanding balance summing the retail transactions and cash advance amount; ranges from RM10 to RM100.
    Cash Advance Fee 5% of the cash advance amount or a minimum of RM15, whichever is higher.
    Cash Advance Interest Rate 18% p.a.
    Overseas Transaction Conversion Rate Conversion rate is determined by Visa/Mastercard + 1% administration cost + transaction fee as charged by Visa/Mastercard.

    Credit Card Statements

    • Subscribe to the electronic version of your credit card statements in PDF format.
    • Get your credit card e-Statement every month at no charge.
    • You can access the e-Statements at anytime and anywhere on your mobile phone, PC, or tablet.
    • Just dial the number +603-6204 7788 and request for e-Statements.
    • Unauthorised individuals cannot misuse the information on your e-Statements as they are password protected.
    • If you wish to continue with paper statements, you can do so by calling the number mentioned above.

    Security Features

    PIN & PAY

    • Generate a PIN for your card to authorise your transactions.
    • Every time you use your card at an ATM or at a retail kiosk, you have to enter the PIN to complete the transaction.
    • Do not disclose the PIN to save your card from unauthorised use.

    Lost Card Liability

    • Contact the bank as soon as you find out that your card is lost/stolen.
    • Once you notify the bank about your card loss, you will not be held liable for the transactions that happen on your card, if any.

    How to Temporarily Increase/Decrease Credit Limit

    • Dial the number 03-6204 7788 and request for an increase/decrease in credit limit.
    • You may have to submit income documents to prove that your financial status has increased/decreased.

    How to apply CIMB Credit Card?

    Applicants can apply for a CIMB Credit Card through the following ways:

    • Apply CIMB Credit Card Online: Applicants can find application form on the CIMB website. Cardholders can click on the ‘apply now’ option available on every individual credit card page to begin the application process.
    • Through Branch: Applicants can visit the closest CIMB Branch and apply for the credit card.
    • Applicants can also leave their contact details in CIMB official website and a bank representative will contact them shortly after.

    CIMB Malaysia Contact Numbers

    By Phone: +603 6204 7788 for local and overseas calls

    By Email: callcentre@cimb.com

    For CIMB Preferred Customers:

    Local calls: 1 300 885 300

    Overseas calls: +603 2295 6888

    Fax: +603 2296 0345

    Frequently Asked Question’s

    Q. Does the effective interest rate vary as compared to the mentioned flat rate under the CIMB Balance Conversion scheme?

    A. Yes. Though the flat rate for balance conversion scheme is 9.8% p.a. the effective rates vary. Refer the table below to know the effective rates for each tenure available:

    Repayment Tenure Effective Interest Rate
    6 months 16.61% p.a.
    12 months 17.62% p.a.
    18 months 17.82% p.a.
    24 months 17.81% p.a.
    36 months 17.58% p.a.

    Q. How long are the accumulated Bonus Miles valid?

    A. Bonus Miles are valid for a period of 3 years from the date of redemption.

    Q. What is the cash advance limit on my card?

    A. The cash advance limit depends on the available credit limit in your card or up to 40% of the total credit limit available on your card, whichever is lower.

    Q. Is a finance charge-free period available?

    A. Yes. You get a period of 20 days from the statement date to pay the retail purchase amount without any finance charges.

    Q. What happens if I fail to pay the transferred balance in full within the set repayment tenure?

    A. If you fail to repay the transferred balance in full within the set tenure, a finance charge of 18% p.a. will be applicable on the outstanding balance. You can continue to make monthly payments to clear the balance.

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