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  • Credit Card BYTES FROM OUR KITCHEN

    Compare & Apply for CIMB Credit Card Malaysia

    CIMB offers a wide range of credit cards that caters to customers from various walks of life. CIMB Cards Comes up with various benefits like Air Miles, Complimentary Travel Insurance Policy, Dedicated Travel Help Desk, Cash Rebates, Exclusive Plaza Lounge, Air Miles etc.,

    Card Name Key Benefits Annual Fee Explore / Apply
    CIMB Tesco Platinum Credit Card
    • Earns a cash rebate of 5% on expenses at Tesco on a daily basis.
    • Equipped with a contactless payment feature
    Free Explore Card | Apply Now
    CIMB Petronas Platinum Credit Card
    • Earns a cash rebate of 7% at Petronas on a daily basis on statement balance of RM 3000 & above.
    • Get Travel Insurance Coverage up to RM 1 Million.
    Free Explore Card | Apply Now
    CIMB Cash Rebate Platinum Credit Card
    • Earns a cash rebate of 5% on Petrol, Grocery, Entertainment and Utility Bill Payments.
    Free Explore Card | Apply Now
    CIMB Enrich Platinum MasterCard
    • Earns 1 bonus mile for every RM4 charged to the card both locally and overseas.
    • 2X exclusive vouchers for access to Malaysia airlines Golden Lounge.
    Free Explore Card | Apply Now
    CIMB Enrich World MasterCard
    • Earns 1 bonus mile for every RM1.50 & RM3.00 charged to the card spent Overseas and locally respectively.
    • 8X exclusive vouchers for access to Malaysia airlines Golden Lounge.
    RM588* Explore Card | Apply Now
    CIMB Enrich World Elite MasterCard
    • Earns 1 Bonus Mile on every RM1 spent overseas and 1 Bonus Mile on every RM2 spent locally.
    • Online booking at malaysiaairlines.com & Earns 1 Bonus Miles on every RM1 Spent Online.
    RM1,288** Explore Card | Apply Now
    CIMB World MasterCard
    • Get a free travel insurance with a cover of up to RM1 million.
    • Earn 2 Bonus Points on every RM1 Spent Overseas & 1 Bonus Point on every RM1 Spent locally.
    Free Explore Card | Apply Now
    CIMB Visa Signature
    • Earn 2 Bonus Points on every RM1 Spent Overseas & 1 Bonus Point on every RM1 Spent locally.
    • Exclusive vouchers for access to Plaza Premium Lounge 2 times for the 1st time in a year.
    Free Explore Card | Apply Now
    CIMB Preferred Visa Infinite
    • Enjoy Priority Service across ASEAN for over 100 CIMB Preferred Centres.
    • Get a free travel insurance with a cover of up to RM1 million.
    Free Explore Card | Apply Now
    CIMB Visa Infinite
    • Earn 1% cash rebate on every RM1 Spent Overseas & 0.5% cash rebate on every RM1 Spent locally.
    • Enjoy 2 times a year, an exclusive entry to Plaza Premium Lounge for first year.
    Free Explore Card | Apply Now
    CIMB Platinum Credit Card Free Explore Card | Apply Now
    CIMB Platinum BusinessCard
    • Earns a cash rebate of 0.5% on all expenses charged to it except for petrol.
    • Get a free travel insurance with a cover of up to RM1,000,000
    Free Explore Card | Apply Now

    * Annual Fee will be waived off if total annual spending crossed RM500,000 and above.

    ** Annual Fee will be waived off if total annual spending crossed RM1,000,000 and above.

    Interest Rates for the above cards will be 15% - 18%.

    Features and Benefits

    • Offers an array of benefits to the cardholder on every use. The cards accrue or earn reward points in the form of Bonus Points which can be redeemed for exciting gifts. Other cards earn Bonus Miles which can be redeemed for frequent flyer miles such as Enrich Miles.
    • Some cards also earn a cash rebate when used for specific expenses. Expenses charged to the card at specific stores or on specific categories such as online expenses, groceries, petrol, etc. earn cash rebates.
    • Some cimb cards are equipped with a contactless card feature which allows cardholders to carry out smaller transactions simply by tapping the card against the contactless-equipped card reader. It eliminates the need for swiping the card or entering a PIN and makes for faster checkouts.
    • The cardholder can also enjoy a complimentary travel insurance policy on some credit cards. This policy is provided when the cardholder uses the card to pay for the flight tickets. The policy provided has a high cover of RM1 million and saves the cardholder the added expense of acquiring a standalone travel insurance policy.
    • CIMB cards allows for cardholders to make larger retail purchases without worrying about managing payments. The cards have an Easy Pay instalment plan which can convert purchases into smaller monthly instalments.

    CIMB Credit Card Eligibility

    • Minimum age requirement for a Credit Card is between 18 – 21 Years Old.
    • Minimum income requirement will be as follow,
    Card Name Minimum Income Required
    CIMB Tesco Platinum Credit Card RM24,000 p.a.
    CIMB Petronas Platinum Credit Card RM24,000 p.a.
    CIMB Cash Rebate Platinum Credit Card RM24,000 p.a.
    CIMB Enrich Platinum MasterCard RM24,000 p.a.
    CIMB Enrich World MasterCard RM100,000 p.a.
    CIMB Enrich World Elite MasterCard RM250,000 p.a.
    CIMB World MasterCard RM90,000 p.a.
    CIMB Visa Signature RM60,000 p.a.
    CIMB Visa Infinite RM120,000 p.a.
    CIMB Platinum Credit Card RM24,000 p.a.

    Documents Required

    Cardholders are required to submit the following documents when submitting the duly filled application form:

    For Salaried Applicant:

    • Fixed monthly salaried applicants need to provide latest 1 month payslip, latest EPF statement and latest Form BE with tax receipt.
    • Salaried applicants earning commission should provide latest 3 months payslip, latest EA Form or Form BE with tax receipt.

    For Full Commission Applicant:

    • Copy of the latest 3 months' commission statement.
    • A copy of the most recent EA Form.

    For Self-Employed Applicants:

    • A copy of the latest Form B with tax receipt.
    • A copy of the company bank statement for the most recent 3 months.

    Other Fees & Charges

    Finance Charge for Retail Transaction
    • 15% p.a if no delay in paying your minimum amount due for 12 continuous months.
    • 17% p.a if no delay in pay your minimum amount due for 10 continuous months.
    • 18% for the rest.
    Finance Charge for Cash Transaction 18% p.a.
    Cash Advance Fee RM15.90 or 5% of the amount advanced, whichever is higher.
    Minimum Monthly Repayment RM50 or 5% of the outstanding balance, whichever is higher.
    Late Payment Charge 1% of outstanding balance or minimum of RM 10 & Maximum of RM100. Only applicable if minimum due is not paid on due date.
    Finance Charges Free Period 20 Days interest free period.
    Conversion for Overseas Transaction Overseas transactions are converted into Malaysian Ringgit using exchange rate determined by Visa/MasterCard International along with an administrative cost of 1% of the converted amount.
    Replacement Card RM10 for first replacement. RM50 per subsequent replacement.

    How to apply CIMB Credit Card?

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

    • 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.
    • 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.

    How to increase CIMB Credit Card Limit?

    With life being as uncertain as it is, one might never know where or when an expense may crop up. Cardholders might need an increase in their credit limit to meet life’s varying requirements. Credit limit on the CIMB credit cards can only be increased when there is an increase in the cardholder’s annual salary. CIMB Credit Limit Increase can be done by requesting for an increase at the nearest CIMB branch. CIMB periodically sends invitations to eligible cardholders for an increase in the credit limit as well. The credit limit of a cardholder can be increased when the corresponding income documents are provided as proof. These may include a copy of the latest computerised payslips, EPF statements, bank statements, and any other additional document the bank might require.

    CIMB Credit Card Hotline

    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

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