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    CIMB Rewards Credit Cards

    CIMB Bank has 7 Credit cards which offer rewards on local and overseas transactions in the form of Bonus Points and Tesco Clubcard Points. These rewards can be redeemed on gifts, vouchers, selected items, Air Miles, and Bonus Miles. Other benefits of such cards include, complimentary travel insurance/takaful coverage and deals on shopping, dining, and travel. Read further to learn more about each card.

    CIMB Tesco Platinum

    Rewards Category Rewards Rate Annual Fee
    Transactions at Tesco 1 Tesco Clubcard Point for every RM2 spent Waived for both principal and supplementary card
    Other retail transactions 1 Tesco Clubcard Point for every RM4 spent

    Features and Benefits

    • Earn cash rebates up to 5% when you shop at Tesco.
    • New cardholders will get a Tesco Clubcard for no charge.
    • Earn extra Tesco Clubcard Points.
    • Use the Tap and pay facility for contactless payment.
    • Use the 'PIN and Pay' facility to pay with added security.
    • No annual fee is charged for this card.

    How Does CIMB Bank Rewards Work?

    To understand the working mechanism of the CIMB Bank rewards cards, let’s take the example of two cards CIMB World Mastercard and CIMB Tesco Platinum.

    Type of Transaction Amount Spent Rewards Rate Total Tesco Clubcard Points Accumulated
    Purchases made at Tesco RM2,000 1,000 Tesco Clubcard Points 2,000 Tesco Clubcard Points
    Local Purchases RM4,000 1,000 Tesco Clubcard Points

    Using your CIMB Tesco Platinum, when you make purchases worth RM6,000, you earn 2,000 Tesco Clubcard Points. These points can be redeemed on a range of products at Tesco.

    CIMB World Mastercard

    Rewards Category Rewards Rate Annual Fee
    Overseas Purchases 2 Bonus Points for every RM1 spent Waived for both principal and supplementary card
    Local Purchases 1 Bonus Point for every RM1 spent

    Features and Benefits

    • The annual fee is waived for this card.
    • Get up to RM1 million travel insurance coverage, which also includes baggage delays, flight delays, and other travel inconveniences.
    • Enjoy golfing privileges.
    • Enjoy 24-hour concierge services.
    • Enjoy Mastercard Global Service and get all the assistance you need.
    • Get exclusive airline offers and travel deals with the CIMB Premier Travel Desk facility.
    • Get up to 50% discount on dining at participating partners.
    • Enjoy airport ride deals between Klang Valley and KLIA/klia2.
    • Get a free Touch ‘n Go Zing Card and obtain faster check out.
    • Get deals on food and beverages.

    How Does CIMB Bank Rewards Work?

    Type of Transaction Amount Spent Rewards Rate Total Bonus Points Accumulated
    Overseas Transactions RM3,000 6,000 Bonus Points 8,000 Bonus Points
    Local Transactions RM2,000 2,000 Bonus Points

    When you use the CIMB World Mastercard to make a total transaction of RM5,000 a month, you earn 8,000 Bonus Points. These points can be redeemed on a range of Air Miles, Bonus Miles, lifestyle items, gifts, and vouchers.

    CIMB Visa Signature

    Rewards Category Rewards Rate Annual Fee
    Overseas Purchases 2 Bonus Points for every RM1 spent Waived for both principal and supplementary card
    Local Purchases 1 Bonus Point for every RM1 spent

    Features and Benefits

    • Get Plaza Premium Lounge access 2 times a year, for the first year. When you spend more than RM100,000 p.a., the lounge access will be renewed automatically.
    • No annual fee is charged for this card.
    • Get a complimentary Touch ‘n Go Zing Card and enjoy toll rebates and faster check out.
    • Stay protected with up to RM1 million travel insurance coverage when you pay the full airfare with the card.
    • Enjoy travel assistance and get exclusive airline deals from CIMB Premier Travel Desk.
    • Enjoy airport premium ride deals.

    CIMB Preferred Visa Infinite

    Rewards Category Rewards Rate Annual Fee
    Overseas Purchases 2 Bonus Points for every RM1 spent Waived for both principal and supplementary card
    Local Purchases 1 Bonus Point for every RM1 spent

    Features and Benefits

    • The annual fee is waived for this card.
    • Enjoy priority services at any of the CIMB Preferred Centres in ASEAN and all the local CIMB Bank branches.
    • Private Wealth customers will enjoy 6x Plaza Premium Lounge access and CIMB Preferred customers will enjoy 4x Plaza Premium Lounge access per year in Malaysia.
    • Get preferential foreign exchange rates at CIMB Bank Bureau de Change in Malaysia.
    • Get up to RM1 million travel insurance coverage which also covers travel inconveniences.
    • Get exclusive airline offers when you use the CIMB Premier Travel Desk facility.
    • Enjoy Visa Infinite concierge services.
    • Get exclusive deals on dining, travel and shopping.
    • Get airport ride deals Enjoy regional dining privileges.

    CIMB Visa Infinite

    Rewards Category Rewards Rate Annual Fee
    Overseas Purchases 5x Bonus Points Waived for both principal and supplementary card
    Dining overseas 5x Bonus Points
    Other retail transactions 1x Bonus Points

    Features and Benefits

    • The annual fee is waived for this card.
    • Get 8x access to Plaza Premium Lounges. This will be automatically renewed when you make transactions over RM100,000 per year.
    • Get a complimentary travel insurance coverage of up to RM1 million.
    • Get up to 50% discount on dining anywhere in the country.
    • Use the CIMB Premier Travel Desk for a hassle-free travel experience, and get exclusive travel packages.
    • Get airport premium ride deals.
    • Get a free Touch ‘n Go Zing Card along with your CIMB Visa Infinite card.

    CIMB Platinum

    Rewards Category Rewards Rate Annual Fee
    Local Purchases 1 Bonus Point for every RM1 spent Waived for both principal and supplementary card

    Features and Benefits

    • Use the Pay with Points facility to pay at participating partner outlets using your accumulated Bonus Points.
    • Convert your retail purchases into interest-free, flexible instalments, up to 36 months.
    • No annual fee is charged for this card.
    • Get up to RM1 million travel insurance coverage when you pay the full airfare using your card.
    • Get a free Touch ‘n Go Zing Card, which can be used for toll rebates and faster check-out.

    CIMB Islamic Bank Platinum

    Rewards Category Rewards Rate Annual Fee
    Local and Overseas Purchases 1 Bonus Point for every RM1 spent Waived for both principal and supplementary card

    Features and Benefits

    • No annual fee is charged for this card.
    • Receive a free travel takaful coverage up to RM1 million. The coverage includes lost luggage, flight delays and other travel inconveniences.
    • Enjoy toll rebates and faster check-out with a complimentary Touch ‘n Go Zing Card.

    Fees and Charges

    Factors Fee
    Annual Fee (Principal Cardholder) Waived for all cards
    Annual Fee (Supplementary Cardholder) Waived for all cards
    Cash Advance Interest Rate 18% p.a.
    Cash Withdrawal Fee 5% if the cash advance amount or a minimum of RM15, whichever is higher
    Retail Interest Rate 15% to 18% p.a.
    Late Payment Fee 1% of the outstanding balance or a minimum of RM10, subject to a maximum of RM100
    Minimum Monthly Payment 5% of the balance amount and any unpaid amount in the previous month's statement, or RM50, whichever is higher

    Eligibility

    Card Name Income Requirements Age Requirements
    CIMB Tesco Platinum RM24,000 p.a. Principal card: 21 years Supplementary card: 18 years
    CIMB World Mastercard RM90,000 p.a.
    CIMB Visa Signature RM60,000 p.a.
    CIMB Preferred Visa Infinite N.A.
    CIMB Visa Infinite RM120,000 p.a.
    CIMB Platinum RM24,000 p.a.
    CIMB Islamic Bank Platinum RM24,000 p.a.

    Documents Required

    Employment Type Documents Required (For All Cards)
    Employment Type Documents Required (For All Cards)
    Fixed Income Earners (Employees of Public Listed companies, MNCs, or Government Linked companies)
    • 1 copy of MyKad
    And any of the following documents:
    • Latest payslip (1 month)
    • Latest EPF Statement, showing minimum 6 months’ contribution
    Variable Income Earners (Employees of Public Listed companies, MNCs, or Government Linked companies)
    • 1 copy of MyKad
    And any of the following documents:
    • Latest payslip (3 months)
    • Latest EPF Statement, showing minimum 6 months’ contribution
    Employees of other companies
    • 1 copy of MyKad
    And any of the following documents:
    • The latest payslip (3 months) and the latest bank statement (3 months) showing salary credited information
    • Latest EPF statement showing minimum 6 months' contribution
    Self-employed professionals (partnership, Private Limited companies and sole proprietors)
    • 1 copy of MyKad
    And any of the following documents:
    • Business Registration document and the latest 6 months' bank statement
    • The latest Form B along with LHDN payment receipt
    • The latest e-Form B along with e-filing acknowledgement receipt

    How to Apply For a CIMB Bank Rewards Credit Card?

    Mode Process
    Offline Application
    • Go to the bank’s nearest branch
    • Request the staff for a specific card’s application form
    • Fill up the application form
    • Submit all the supporting documents along with the filled application form for the bank’s approval
    Online Application
    • Visit the bank's official website
    • Go to the specific card’s page
    • Click on ‘Apply now’
    • Fill up the online application form provided
    • Upload all the supporting documents
    • Submit the application

    Use your CIMB Bank Rewards card for rewards, offers and deals. Your CIMB Bank Rewards card also gives you many perks including travel insurance/takaful, airport lounge access, and concierge services. Since each card has unique features and benefits, it is advisable to go through the cards’ Product Disclosure Sheet and Terms and Conditions before opting for a card.

    FAQs on CIMB Bank Rewards Credit Cards

    Q. How should I redeem my Bonus Points?

    A. Follow the below steps to redeem your Bonus Points:

    • Go to CIMB Bank's rewards page.
    • Select the items you would like to redeem.
    • Enter the quantity Add the items to cart.
    • If you want to select items from different categories, select those items, add quantity, and add to cart.
    • Once you have selected all the items you want, click 'Redeem.
    • Read the Terms & Conditions Click 'Accept' to proceed.
    • Check all the selected items.
    • Click 'Confirm' when you see the redemption summary page.
    • You will be given a reference number. Note down the number for your reference.
    • You have successfully redeemed your Bonus Points.

    Q. How can I check the Bonus Points I have collected so far?

    A. Your Bonus Points will reflect on your monthly card statement. You can also contact CIMB Bank’s Customer Care Department to know the total points accumulated.

    Q. Will my Bonus Points expire?

    A. Bonus Points are valid for 3 years. They are automatically forfeited on the first day on the following calendar quarter.

    Q. What is the minimum amount of Bonus Points I need for redemption?

    A. You need at least 400 Bonus Points to redeem on a range of items.

    Q. Can I convert my Bonus Points and Clubcard Points into cash?

    A. No. Bonus Points and Clubcard Points cannot be converted to cash or credit.

    Q. Can I transfer my Bonus Points to a third party?

    A. No. You won't be able to transfer your Bonus Points to a third party. You can only transfer the points to your CIMB Bank or CIMB Islamic Bank credit card.

    Q. Are there any exclusions for redeeming my Bonus Points/Clubcard Points?

    A. You won't be able to redeem your Bonus Points/Clubcard Points on petrol purchases, bank-related transactions, government service payments, MyDebit transactions, and charity payments, fraudulent transactions, or quasi-cash transactions.

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