• CIMB Debit Card

    CIMB Bank issues three debit cards to account holders that can be used for cashless transactions. Each card offers rewards/cashback when used at participating merchant outlets. Take a look at some main features of the debit cards.

    Key Features and Benefits of CIMB Debit Cards

    Debit Card Name Key Benefit Annual Fee
    CIMB Debit Mastercard Get 1 bonus point with every R4 spent on retail transactions RM15
    CIMB PETRONAS Debit Mastercard Earn up to 2% cash rebate when you spend at any PETRONAS stations or Mesra Stores. RM18
    CIMB Tesco Debit Mastercard
    • Get 1 Tesco Clubcard Point for every RM1 spent at any Tesco stores.
    • Get 1 Tesco Clubcard Point for every RM3 spent with the CIMB Tesco Debit Mastercard.
    • Get 1 Tesco Clubcard Point for every RM6 spent on all other retail spends.
    RM18

    Highlights

    • Earn cashback/rewards when you use your CIMB debit card at participating merchant outlets.
    • Use your CIMB debit card for contactless transactions at any contactless enabled POS terminals.
    • Get exclusive deals on shopping, travel, leisure, and dining from participating partners.
    • The cards come with PIN and PAY feature for added security.
    • Get SMS Alerts when you carry out any transactions using your card.
    • Set your daily purchase as per your needs.

    Other Benefits of CIMB Debit Cards

    CIMB Debit Mastercard

    • Shop online with peace of mind as all your online purchases are protected.
    • Make bill payments easily and securely using your card.

    CIMB PETRONAS Debit Mastercard

    • Get 1% cashback if your monthly balance is below RM3,000.
    • Get 2% cashback if your monthly balance is RM3,000 and above.
    • Get exclusive offers at over 4,000 participating merchant outlets.
    • Your CIMB PETRONAS Savers Account is eligible for protection by PIDM.

    CIMB Tesco Debit Mastercard

    • Make use of the discounts and offers this card provides from participating partner outlets.
    • This card comes with contactless payment option. Just tap or wave your card at any contactless-enabled POS.

    Fees and Charges (Table)

    Fee Type Amount
    Issuance Fee CIMB Debit Mastercard: RM15.
    CIMB PETRONAS Debit Mastercard: RM18.
    CIMB Tesco Debit Mastercard: RM18.
    Annual Fee CIMB Debit Mastercard: RM15.
    CIMB PETRONAS Debit Mastercard: RM18.
    CIMB Tesco Debit Mastercard: RM18.
    Domestic ATM Cash Withdrawal Fee
    • CIMB Bank ATM network in Malaysia: No charges
    • MEPS shared ATM network in Malaysia: RM1 per transaction.
    • MEPS Local Incorporated Foreign Bank (LIFB): RM4 per transaction.
    International ATM Cash Withdrawal Fee
    • CIMB ATM Regional Link: No charges.
    • MEPS overseas: RM8 per transaction.
    • Mastercard overseas: RM10 per transaction.
    Sales Draft Retrieval Fee RM15 per copy.
    Overseas Transaction Conversion Fee The conversion rate will be determined by Mastercard Worldwide for all overseas transactions plus an administration charge of 1% of the total amount transacted and any other fees charged by Mastercard
    Card Replacement Fee RM12 per card replacement.

    Eligibility Criteria

    CIMB Debit Mastercard

    • The applicant must be 12 years and above.
    • The applicant must provide an indemnity letter signed by their parent or guardian if they are below 18 years.
    • The applicant must be a CIMB Bank savings/current account holder.

    CIMB PETRONAS Debit Mastercard

    • The applicant must be 18 years and above.
    • The applicant must be either a resident or a non-resident.
    • A minimum initial deposit of RM250 is required.
    • Joint savings account is allowed.
    • The applicant must have a valid NRIC or passport.

    CIMB Tesco Debit Mastercard

    • The applicant must be 18 years and above.
    • The applicant must be a CIMB Bank Tesco Savers account holder
    • The applicant must either be a resident or a non-resident.
    • A minimum initial deposit of RM250 is required.
    • Joint savings account is allowed.

    How to Apply

    Debit Card Branch Application
    CIMB Debit Mastercard
    • Visit any of the CIMB branches.
    • Express your interest to open a savings or current account.
    • Fill in the application form and submit your mandatory documents.
    • You will be issued a CIMB Debit Mastercard.
    CIMB PETRONAS Debit Mastercard
    • Walk into any of the 270 CIMB Bank branches in Malaysia.
    • Open a CIMB PETRONAS Savers Account.
    • Submit the supporting documents and fill in the form.
    • You will be automatically issued a CIMB PETRONAS Debit Mastercard.
    CIMB Tesco Debit Mastercard
    • Visit any of the 270 CIMB branches in Malaysia.
    • Open a CIMB Tesco Savers Account.
    • Fill in the application form and submit your mandatory documents.
    • You will be issued a CIMB Tesco Debit Mastercard by default.

    Conclusion

    CIMB debit cards offers a range of benefits for account holders. Apart from rewards/cashback, you can use these cards at selected merchant outlets to earn discounts and other privileges. Take a look at other rewards debit cards issued in Malaysia.

    FAQs

    Q. How can I check my CIMB Debit Card’s monthly e-statements?

    A. There are two ways to check your monthly e-statement – through CIMB Clicks and through emails. Follow the below steps to check your monthly statement:

    • CIMB Clicks
      • Login to CIMB Clicks.
      • Click on 'My Accounts'.
      • Select 'e-statement'.
      • Click on ‘View e-statement'.
      • Download your monthly statement.
    • Email
      • Login to your registered email address.
      • Go through your mails and check for mails from CIMB regarding your e-statement delivery.
      • Click on the attached PDF.
      • All PDFs are password protected, you will be given a password to access the document for security reasons.
      • Enter the password and view your statement.

    Q. How will I know how much cashback or rewards I have accumulated?

    A. The reward points earned on CIMB Debit Mastercard and CIMB Tesco Debit Mastercard will be credited to your account and will reflect in your monthly statement. The cash rebates for all PETRONAS spends made via CIMB PETRONAS Debit Mastercard will also be credited to your account. It will appear as ‘’CA/SA Incentive/Bonus’ in your monthly statement.

    Q. Are there any exclusions to earn cashback/rewards?

    A. You won’t be eligible to earn any bonus points when you use your CIMB Debit Mastercard to carry out petrol transactions via the MyDebit network. You won’t earn any cash rebates on any other purchases made using your CIMB PETRONAS Debit Mastercard other than spends made at PETRONAS or Mesra stores.

    As far as CIMB Tesco Debit Mastercard is concerned, you won’t be eligible to earn Tesco Clubcard Points on transactions carried out at petrol stations, government-related payments, and charity payments.

    Q. Is my PIN number required when I make any contactless payments?

    A. You can carry out contactless transactions at any contactless-enabled POS up to RM250. For security purposes, you will be asked to key in your PIN details for all retail transactions above RM250.

    Q. Can I get both rewards and cashback on a CIMB Debit Card?

    A. No. CIMB Debit Mastercard and CIMB Tesco Debit Mastercard offers only reward points. CIMB PETRONAS Debit Mastercard offers only cash rebates.

    Q. Do CIMB debit cards come with a daily purchase limit?

    A. CIMB Tesco Debit Mastercard and CIMB PETRONAS Debit Mastercard don’t come with a purchase limit. However, CIMB Debit Mastercard comes with a daily purchase limit of RM10,000 for YOUth account holders from 18 to 23 years of age. RM20,000 is the daily purchase limit for prime or preferred account holders. YOUth account holders from 12 to 17 years of age are given a daily purchase limit of RM200.  If you want to change the daily purchase limit, you may do so in multiples of RM1,000 at any CIMB ATMs.

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