The CIMB Enrich Platinum MasterCard is a credit card that allows a customer to convert their daily expenditures into free flights and holidays as it offers bonus air miles for the purchases they make. The card gives discounts and reward points on shopping, dining and bill payments. For more features and benefits of the card, see below.
Features of the CIMB Enrich Platinum MasterCard Credit Card
The credit card comes with an annual fee waiver for life for both principal as well as supplementary cards.
The card allows holders to earn unlimited Bonus Miles on their local and international spends.
The cardholder can get 2X exclusive access to the Malaysia Airlines Golden Lounge across the word. The customer is required to show his original Golden Lounge voucher and the Malaysia Airlines boarding pass, his/her passport, ID card and CIMB Enrich Platinum MasterCard at the lounge to get the access.
The Bonus Miles can be redeemed anytime via the website, or by contacting to the CIMB Customer Service.
The credit card comes with plans like Balance Transfer Plan, Easy Payment Plan and CIMB CashLite Plan.
Benefits of the CIMB Enrich Platinum MasterCard Credit Card
A cardholder can earn 1 Bonus Mile on every RM4 he spends locally or globally. The overseas transactions must be done with the registered merchants. The validity of the Bonus Miles is 3 years. (1 Bonus Mile adds up to 1 Enrich Mile.)
He/she can redeem free flights to the destinations across the world with the help of the bonus Points earned. The Enrich Miles can also help a cardholder in upgrading the flight class from economy to the first class etc.
A cardholder is entitled to earn an automatic travel insurance coverage of up to RM1 million when he charges the full fare of his/her travel on the card. The insurance cover also includes travel inconveniences like luggage loss and flight delays.
The CIMB Premier Travel Desk will provide a dedicated travel assistance to the cardholders along with information on airline deals and travel packages.
The CIMB Enrich Platinum MasterCard Credit Card also periodically offers treats like food and beverages privileges and golf privileges to the customers giving exclusive offer prices and discounts.
The credit card applicant has to be at least 21 years old.
The supplementary card applicant’s minimum age should be at least 18 years.
Minimum annual income of the applicant should be RM24,000.
Fees and charges
Annual Fee – Principal Card
Waived for life
Annual Fee – Supplementary Card
Waived for life (for first 3 cards)
RM75 p.a. (fourth card onwards)
Finance Charges (Retail Purchases)
15% p.a. to 18% p.a.
Finance Charges(Cash Advance)
1.5% per month or 18% p.a.
Cash Advance Fee
5% of amount advanced or a minimum of RM15.19 (whichever is higher)
Late Payment Charges
1% of the outstanding amount or minimum RM10 (whichever is higher between them) up to a maximum of RM100
Overseas Transaction Fee
The conversion charges will be determined by MasterCard International or Visa International plus 1% administrative cost charged by the bank
Interest Free Period
Card Replacement Fee
RM10 (for first card) & RM50 (for each subsequent replacement)