The CIMB Enrich World MasterCard Credit Card is an exclusive credit card that offers cardholders exciting travel perks and benefits. Cardholders can enjoy airport lounge privileges, complimentary travel insurance and an array of dining deals and discounts.
Features of CIMB Enrich World MasterCard Credit Card
The annual fee of the supplementary card is waived and the card is free for life.
The cardholder can enjoy an auto-reload facility on their Touch n’ Go Zing Card. The card is automatically reloaded when its balance starts running low.
Cardholders get access to a dedicated CIMB Premier Travel Desk that offers personalised assistance in booking travel packages and finding the best airline deals.
The card earns Bonus Miles on every expense charged to it which can be redeemed for Enrich Miles.
Benefits of CIMB Enrich World MasterCard Credit Card
The cardholder can earn Bonus Miles on every expense charged to the card. The card earns 1 Bonus Mile for every RM3 charged locally and 1 Bonus Mile for every RM1.50 charged to it overseas. The Bonus Miles earned can be redeemed for Enrich Miles at the rate of 1,000 Bonus Miles for 1,000 Enrich Miles. Bonus Miles earned have a validity of 3 years.
The cardholders can enjoy a complimentary travel insurance when they purchase airfare only using the card. The policy offers a cover of up to RM1 million.
Cardholders can get up to 8 access passes to Malaysia Airlines Golden Lounge. The lounge access passes are given only to principal cardholders within 6 weeks of the card completing its anniversary month.
Cardholders get priority booking facility for offers from Malaysia Airlines. Cardholders can access offers up to 4 hours prior to the offer being opened to the public.
The card offers golfing privileges at leading golf resorts across Malaysia, Thailand, Indonesia, Singapore, Philippines, Cambodia, and Vietnam.
Applicants must meet the following criteria to avail this card:
The minimum age of the principal cardholder must be 21 years of age.
The minimum age of the supplementary cardholder must be 18 years.
The minimum annual income required for this card is RM100,000.
Fees and Charges
Annual fees – Principal card
RM588 (annual fee waived when a minimum of RM500,000 is charged to the card in a year, 50% of the fee is waived when RM250,000 to RM499,999 is charged to the card in a year and anything under RM249,999 charged to the card in a year will receive no fee waiver
Annual fees – Supplementary card
Annual fee waived for life
Minimum monthly repayment
5% of the outstanding balance subject to a minimum payment of RM50, whichever happens to be higher
Finance charge on purchases
Cardholders who make prompt minimum payments for 12 consecutive months enjoy profit rates of 15% p.a. Cardholders who make 10 or more payments on time in a 12-month period enjoy profit rates of 17% p.a. and cardholders who do not belong to either category are charged 18% p.a.
Finance charge on cash advance
A fee of 1% imposed by Visa/MasterCard International on transactions made overseas. The transactions are converted into Malaysian Ringgit using an exchange rate determined by Visa/MasterCard International.
Cash withdrawal fee
RM15.90 or 5% of the amount withdrawn, whichever is higher.
Late payment charges
1% of the outstanding balance or RM10 whichever is higher capped to RM100.
Card replacement fee
RM10 for first replacement & RM50 for subsequent replacements