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    CIMB Islamic Credit Card

    CIMB Islamic Bank offers 2 Shariah-compliant credit cards to its customers. Each credit card comes with a host of benefits and privileges, and lets you save more on your purchases.

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    Features and Benefits

    • The credit cards function on the Islamic principle of banking i.e. Shariah concept of Ujrah.
    • You can use your credit card for online and offline transactions.
    • Get free supplementary cards for your loved ones.
    • Depending on the card type, you can also enjoy annual fee waiver on it.
    • Earn bonus/reward points and cashback on your cards.
    • Enjoy value-added services such as, balance transfer plan, instalment payment plan, etc.
    • Enjoy travel takaful coverage when you charge your full airfare to the card.
    • Get an automatic reloadable Touch n’ Go Zing Card with your credit card.

    CIMB Islamic Credit Cards – An Overview

    Card Name Ideal For Key Benefits Annual Fee Annual Income Requirement
    CIMB Islamic Bank Platinum Credit Card (CIMB Platinum-i Credit Card) Daily credit card transactions at participating merchants
    • No joining or annual fee charged
    • Get discounts and bonus points at more than 500 participating merchants
    Waived (for both principal and supplementary cards) Minimum RM24,000 p.a.
    CIMB Islamic Bank Petronas Gold Credit Card (CIMB Petronas Gold-i Credit Card) Petrol purchases at PETRONAS Stations
    • 7% cash rebate at PETRONAS when statement balance is RM3,000 and above
    • 3% cash rebate at PETRONAS when statement balance is below RM3,000
    • For principal card: Waived
    • For supplementary card: Waived for the first year (RM70 from second year onwards)
    Minimum RM24,000 p.a.

    *Interest Rates: 15% p.a. to 18%p.a.

    Best CIMB Islamic Credit Cards

    CIMB Platinum-i Credit Card: Best for Rewards

    • Earn 1 Bonus Point every time you spend a minimum of RM1 on the card.
    • No joining fee is charged  on the card.
    • You can earn bonus points and various discounts at more than 500 participating merchants.
    • Enjoy an automatic travel takaful coverage of up to RM1 million when you charge your full airfare to the card.
    • Low annual income requirement.

    CIMB Petronas Gold-i Credit Card: Best for Petrol

    • Get up to 7% cash rebate every day on your petrol purchases.
    • If your statement balance is RM3,000 or more than that, you can get 7% cash rebate on petrol transactions at PETRONAS stations.
    • If your statement balance is less than RM3,000, you can get 3% cash rebate on petrol transactions at PETRONAS stations.
    • Other retail spends will earn you an unlimited cash rebate of 0.2%.
    • Enjoy a travel takaful cover of up to RM500,000 when you charge your full flight ticket to your Petronas Gold-i Credit Card.
    • Enjoy other exciting offers and discounts at various participating merchants.

    Rewards Programme

    • Bonus Points: CIMB Islamic Bank offers Bonus Points on your purchases made using the CIMB Islamic Bank Credit Card. These points can be redeemable for various merchandises, Enrich Miles, etc. The validity for these earned Bonus Points is 3 years and the points are not transferable to a third party.

    Under the Bonus Points Programme, you need to accumulate a minimum of 1,000 Bonus Points to carry out the redemption process. For redemption, you can also combine the points from both your principal and supplementary cards.

    • You can also enjoy Mastercard privileges on your valid CIMB Islamic Bank Credit Card.
    • Under CIMB Credit Card-i Privileges, you can obtain discounts, offers and various other privileges on your card.

    CIMB Islamic Credit Card Promotions

    • Enjoy 5% discount on the SKINFIX Laser and Light Treatment as an existing customer. Moreover, new customers can enjoy an Introductory Treatment package only at RM178. To enjoy the offer, book an appointment at any GLO Laser Centre in advance. The offer is valid until 31 December 2018.
    • Enjoy 10% Discount on Flowers at BloomThis when you order from the official website. Use the promo code “CIMBPROMO” during checkout to get the discount. The offer is valid till 31 May 2019.
    • Relish Häagen-Dazs delicacies at a discount of 15% on the total bill price. Visit any outlet in the country to obtain the promotional discount. The offer is valid till 31 March 2019.

    Payment Plans

    0% Easy Pay: Enjoy interest-free repayment instalments with your CIMB Islamic Bank Credit Card with this exclusive payment plan. You can get a tenure of up to 36 months on your purchase. This plan is valid only at participating merchants.

    Takaful Plans

    Travel Takaful Coverage: The CIMB Islamic Credit Cards offer travel takaful coverage whenever you charge your full airfare to your credit card. Let us see how this coverage is distributed for each CIMB Islamic Credit Card:

    CIMB Islamic Bank Platinum Credit Card CIMB Islamic Bank Petronas Gold Credit Card
    Total Coverage Amount (per family) Up to RM1 million Up to RM500,000
    Flight Delay Benefits Up to RM2,000 Up to RM1,000
    Loss of Luggage Up to RM2,000 Up to RM1,000
    Flight Luggage Delay Up to RM2,000 Up to RM1,000

    Eligibility Criteria

    CIMB Islamic Bank Platinum Credit Card CIMB Islamic Bank Petronas Gold Credit Card
    Age Criteria
    • Principal Card: Minimum age of 21 years
    • Supplementary Card: Minimum age of 18 years
    • Principal Card: Minimum age of 21 years
    • Supplementary Card: Minimum age of 18 years
    Income Criteria Minimum RM24,000 p.a. Minimum RM24,000 p.a.

    Documents Required

    You may require to show the following set of documents while applying for a CIMB Islamic Credit Card. You may need to show different documents based on your type of employment.

    • A copy of MyKad or NRIC (both sides)
    • Latest salary slips (for 3-6 months)
    • Latest EPF statements
    • Latest savings/current account statements (for 6 months)
    • BE form with official tax payment receipt
    • Business Registration Certificate (applicable for self-employed applicants)
    • Bank statements of the company for 6-12 months (applicable for self-employed applicants)
    • Any other documents as per the bank’s discretion

    Fees and Charges

    Type of Fees Applicable Charges
    Annual Fee (for a principal card)
    • CIMB Islamic Bank Platinum Credit Card: Waived
    • CIMB Islamic Bank Petronas Gold Credit Card: Waived
    Annual Fee (for a supplementary card)
    • CIMB Islamic Bank Platinum Credit Card: Waived
    • CIMB Islamic Bank Petronas Gold Credit Card: Waived for the first card (RM70 for second card onwards)
    Retail Interest Rate From 15% p.a. to 18% p.a. (based on your prepayment behaviour)
    Cash Advance Interest Rate 18% p.a.
    Cash Advance Fee RM50 for each transaction (maximum withdrawal of RM1,000 for each transaction)
    Minimum Monthly Payment Whichever is higher between 5% of your current balance and RM50
    Ta’widh (compensation) 1% on the unsettled amount (subject to a minimum of RM10 and a maximum of RM100)
    Overseas Transaction Charges As determined by Mastercard International or Visa International plus, an administrative cost of 1% and any additional fee charged by Visa or Mastercard

    Activating or Cancelling Your Credit Card

    Activation of the CIMB Islamic Credit Card

    • Call up the customer care executives on 03 - 6204 7788 (CIMB Call Centre) for assistance.
    • If you have received the card and the pin, you can contact the number that is given on the backside of the card. Alternatively, you can also send an SMS: ‘CA last 4 digits of your card number’ and send it to 68833.
    • After card activation, you are advised to change the card’s PIN via CIMB Clicks or at any CIMB ATM.        

    Cancellation of the CIMB Islamic Credit Card

    • You can call up the customer service department on +603 6204 7788 (local and overseas) and request them for the cancellation of your card.
    • You can also send an email to callcentre@cimb.com to put in your cancellation request.

    Credit Card Statements

    Switch to eStatements and get your monthly CIMB Islamic Credit Card statements via email in a timely and secure manner.

    • The eStatements are sent in a downloadable PDF format.
    • You can also check your account statements anytime and anywhere by logging into your account.
    • For security purpose, these statements are password protected.
    • No fee is charged for this facility.  
    • Call the customer service department at +603-6204 7788 to enrol for eStatement facility.

    Security Features

    • A Personal Identification Number (PIN) will be used while transacting from your credit card-i so that no misuse of fraudulent activity should take place using your card. You are not advised to disclose this PIN to anyone and you should change the PIN after newly activating your card.

    Lost Card Liability

    You need to report instantly to the bank officials if you lose a credit card or if it is stolen. You can fill in the online form to report such instances or else, you can also call up the Customer Service Department via the CIMB Hotline: +603 6204 7788.

    You should block your credit card immediately in case of losing it. This will avoid any fraudulent use of your credit card.

    How to Temporarily Increase or Decrease Credit Limit

    You can temporarily increase the credit limit on your CIMB Islamic Credit Card. However, the Temporary Credit Limit Increase (TCI) facility is dependent on the bank’s discretion. For this, the bank will charge you on a yearly basis. The TCI will be capped at a maximum of 50% of your original credit limit.

    The credit limit increase fee is as given below:

    • For CIMB Islamic Bank Platinum Credit Card: RM24,000
    • For CIMB Islamic Bank Petronas Gold Credit Card: RM12,000

    The CIMB Islamic Credit Cards offer various benefits like Bonus Points and cashback. However, depending on the card you want to choose, you have to fulfil different sets of qualification criteria. Make sure that you read the documents carefully and choose a card that offers you maximum privileges in your chosen category.

    Frequently Asked Question’s

    Q. Do I have to pay any fee for the Touch ‘n Go Zing Card?

    A. You can get an auto reloadable Touch ‘n Go Zing Card with your principal credit card. To get a new Touch ‘n Go Zing Card, you will need to pay RM10 and similar charges will be applicable if you need to need its replacement. The applicable auto-reload fees for the card are as follows:

    Reload Amount Charges
    RM100, RM200, or RM300 RM1.50

    Q. Where can I get more information about my CIMB Islamic Credit Card?

    A. To get any further information about Credit Card-i, you can log on to www.cimbislamic.com.my or you can also call up on +603 6204 7788.

    Q. Is there any grace period available for the repayment?

    A. You will get a grace period of 20 days for your repayments, applicable for retail transactions.

    Q. What should I do if I do not have a proof of my income and I want to obtain a Credit Card-i?

    A. If you are qualified as per the age requirement i.e. 21 years to hold a supplementary card, you must place a deposit in FRIA-i with CIMB Islamic Bank or CIMB Bank of the amount equals to the credit limit offered to you. You have to keep this deposit as long as your card facility is available.

    Q. What should I do if my Credit Card-i is stolen?

    A. You need to inform the bank officials immediately about the loss or theft of your card. You can report about the same by calling on +603 6204 7788 or by writing an email to cardcentre@cimb.com. The bank representatives will block your card and provide you with a replacement.

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