Best CIMB Credit Cards in Malaysia

The CIMB credit card is one of Malaysia’s most popular financial tools, offering a variety of incentives ranging from cashback and rewards to dining and travel perks. We are here to provide extensive comparisons and deep insights into the features, fees, and benefits of CIMB credit cards, making it easy for potential cardholders to select the card that best meets their lifestyle and financial needs. Furthermore, CIMB works with partners such as PETRONAS to provide specialised cards with market-leading cash rebates and unique perks, boosting the value and experience of its cardholders.

Best CIMB Bank Credit Cards Annual Fee Comparison

Top CIMB Bank Credit Cards

1. CIMB e Credit Card

Features & Benefits

• Earn 12X Bonus Points on eDay, every 28th of the month on online shopping or cashless payment.
• Earn 3X Bonus Points on online shopping or cashless payment on a normal day.
• Earn 1X Bonus Points on in-store PIN payments on a normal day.
• Enjoy travel insurance protection up to RM1,000,000.

Eligibility

• RM24,000 is the minimum annual income.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is RM100 for the primary card and waived for the supplementary card.
• For those new and existing e Credit Cardholders, the annual fee will be waiver until the end of the day of 2025.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM15 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

2. CIMB Petronas Platinum Credit Card

Features & Benefits

• Enjoy a 7% rebate on PETRONAS station with Setel transactions.
• Enjoy a 5% rebate on petrol or any goods in the store by using the physical card.
• Enjoy a 0.2% unlimited rebate on other retail spending.
• Enjoy travel insurance protection up to RM1,000,000.

Eligibility

• RM24,000 is the minimum annual income.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is free for life for the primary card and the supplementary card.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM15 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

Cash Back Rates

3. CIMB Cash Rebate Platinum Credit Card

Features & Benefits

• Enjoy a 5% rebate on petrol, groceries, cinema, mobile & utility.
• Enjoy a 0.2% rebate on retail & online.
• Enjoy travel insurance protection up to RM1,000,000.

Eligibility

• RM24,000 is the minimum annual income.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is free for life for the primary card and the supplementary card.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM15 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

Cash Back Rates

4. CIMB Travel Platinum Credit Card

Features & Benefits

• Earn 5X Bonus Points for every RM1 on global, airlines and duty-free stores.
• Earn 2X Bonus Points for every RM1 on local spending.
• Enjoy 1X complimentary access to Plaza Premium Lounge in Malaysia and abroad.
• Enjoy travel insurance protection up to RM1,000,000.
• Enjoy 1X Grab Promo Code worth RM65 per quarter for airport rides.
• Enjoy 25% off on the green fees at participating golf clubs.

Eligibility

• RM24,000 is the minimum annual income.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is waived for the primary card and the supplementary card.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM15 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

5. CIMB Visa Signature Credit Card

Features & Benefits

• Earn 2X Bonus Points on global spending for each RM1.
• Earn 1X Bonus Points on local spending for each RM1.
• Enjoy 2X free Plaza Premium Lounge entry in Malaysia.
• Enjoy travel insurance protection up to RM1,000,000.

Eligibility

• RM60,000 is the minimum annual income.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is waived for the primary card and the supplementary card.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM15 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

6. CIMB World Mastercard Credit Card

Features & Benefits

• Enjoy a 1.5% rebate on global spending, which includes online spending in foreign currency.
• Earn 5X Bonus Points for flight tickets for each RM1.
• Earn 1X Bonus Points for other domestic purchases for each RM1.
• Enjoy travel insurance protection up to RM1,000,000.

Eligibility

• RM90,000 is the minimum annual income.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is waived for the primary card and the supplementary card.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM15 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

Cash Back Rates

7. CIMB Travel World Credit Card

Features & Benefits

• Earn 8X Bonus Points for every RM1 on global, airlines and duty-free stores.
• Earn 2X Bonus Points for every RM1 on other local spending.
• Earn 1X Bonus Points for every RM1 on education, insurance and utilities.
• Enjoy yearly 12X free Plaza Premium Lounge entry in Malaysia.
• Enjoy travel insurance protection up to RM1,000,000.

Eligibility

• RM120,000 is the minimum annual income.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is RM554.72 for the primary card but waived for the supplementary card.
• The annual fee can be waived by total annual spending of RM120,000, this amount can be a combined total of both principal and supplementary cards.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM15 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

8. CIMB Visa Infinite Credit Card

Features & Benefits

• Earn 5X Bonus Points for global dining and shopping for each RM1.
• Earn 1X Bonus Points for other domestic purchases for each RM1.
• Enjoy 8X free Plaza Premium Lounge entry in Malaysia.
• Enjoy travel insurance protection up to RM1,000,000.

Eligibility

• RM120,000 is the minimum annual income.
• The principal cardholder must be a minimum of 21 years old.
• The supplementary cardholder must be a minimum of 18 years old.

Fees & Charges

• The annual fee is waived for the primary card and the supplementary card.
• There is RM25 for sales and services tax on the activation and anniversary dates of each primary and supplementary card.
• The minimum monthly payment is RM50 or 5% of the outstanding amount, depending on what is greater.
• A cost of RM10 or 1% of the outstanding late payment fee, up to a limit of RM100, is levied.
• The cash withdrawal charge is RM15 or 5% of the outstanding amount, whichever is greater.
• Interest rate charges range from 15 to 18% yearly.

CIMB Credit Card Promotion and Bonuses

CIMB offers a variety of credit card promotions and bonuses. Below is a summary of some of the promotions and bonuses offered by CIMB:

• Good news for new credit card applicants! Those who approved CIMB credit card-i within the campaign period, 1 Jan 2024 to 31 Mar 2024, swipe a minimum 3 times transaction with any amount within 60 days from card approval dates are rewarded a cashback up to RM50.
• Enjoy the highest PETRONAS cashback of up to 12% on petrol and Setel at PETRONAS with your PERTONAS Visa Infinite-i and PETRONAS Visa Platinum-i.
• Apply CIMB Travel World Elite, Travel World and Travel Platinum credit card within 31 May 2024 are available to win Traveloka voucher worth up to RM1,000.
• Good news for CIMB e-credit card users! You can earn 12X bonus point with certain category with NO MINIMUM SPEND on 28th of every month. Those who apply e-credit card now can enjoy the annual fee waiver campaign.

Some of the promotions are seasonal, like those accessible on the CIMB Clicks or CIMB OCTO App, while others, like the cash rebates and bonus points offered by various CIMB credit cards, are ongoing. These incentives and perks make CIMB credit cards appealing to a wide range of clients.

Benefits of Using CIMB Bank Credit Cards

CIMB credit card promotion and CIMB credit card rewards are the benefits for all of us to choose CIMB credit card because CIMB Bank provides a number of credit cards with various features and rewards. These cards are designed to meet a variety of demands and lifestyles, with features such as cashback, travel rewards, meal discounts, and partner advantages. Here is a summary of some of the primary advantages of using CIMB Bank credit cards:

Maximise Your Savings with CIMB Cashback Credit Cards

The CIMB Cash Rebate Platinum MasterCard is one of several credit cards available from CIMB that are suited to specific requirements. This card offers discounts on a variety of expenses such as movies, groceries, gas and eating. The CIMB Petronas Platinum credit card, which provides cashback on Petronas purchases, is another CIMB credit card that delivers cashback. These cards are part of CIMB’s extensive portfolio, which also includes travel rewards, extra points, and other benefits.

The CIMB Cash Rebate Platinum Credit Card, for instance, offers an enhanced benefit of a 12% cash rebate on weekend dining without any minimum spend requirement. This makes it an attractive option for those who frequently dine out on weekends. However, it is essential to note that the cash rebate for weekend dining is capped at RM30 per cardholder per cycle until a specified date.

In addition to cashback, CIMB credit cards also come with other benefits, such as wide acceptance, rewards, and redemption for goods, travel, or payments. Some cards also offer additional features such as lounge access, insurance, and exclusive privileges.

CIMB Rewards Bonus Points for CIMB Credit Card

CIMB Rewards Bonus Points is a rewards programme available to CIMB credit cardholders. When you use your CIMB credit card to make a purchase, you earn Bonus Points, which can be redeemed for miles, vouchers, gifts, or even Pay With Points on certain cards. CIMB Travel Credit Cards, for example, such as the Travel World Elite, Travel World, and Travel Platinum Credit Cards, offer swift flight redemption as well as the best conversion rate of 400 BP = RM1.

CIMB Balance Transfer Plan for CIMB Credit Card

Financial difficulties are an inevitable part of life, and CIMB is here to assist with its Balance Transfer Plan for CIMB credit cardholders. This plan, offered as part of the CIMB credit card promotion, is intended to help you manage your debt more effectively by allowing you to transfer outstanding amounts from other banks’ credit cards to your CIMB credit card at lower interest rates.

The plan has several advantages, including lower interest rates, variable payback terms, debt consolidation, no upfront fee, and a simple application process. Consolidating your debt allows you to more easily manage and track your repayments, which is critical in achieving financial freedom.

The CIMB Balance Transfer Plan application process is easy and can be completed online or at a CIMB location. First, make sure you are eligible for the balance transfer and choose a repayment period that is appropriate for your financial condition. Following approval of your application, the outstanding balance from your other credit cards will be transferred to your CIMB credit card, and you can begin making monthly repayments depending on the specified duration.

Effortless Shopping with CIMB 0% Easy Pay Instalment Plan

The CIMB 0% Easy Pay Instalment Plan is an excellent feature included with the CIMB credit card promotion. This arrangement enables CIMB credit cardholders to divide their retail expenditures into manageable monthly instalments at 0% interest.

It’s ideal for those big-ticket products you’ve been eyeing because it lets you spread the expense out over time, making it more cheap and doable. The plan is available at partnering stores and has various payback terms ranging from 3 to 36 months. There are also no processing fees or hidden costs, making it a really cost-effective solution to control your spending.

It is simple to apply for the CIMB 0% Easy Pay Instalment Plan. Simply use your CIMB credit card to make a purchase at a participating merchant, and then convert the transaction into monthly instalments using CIMB Clicks or by phoning the CIMB customer service hotline.

It’s that simple! However, while the instalment plan might help you manage your spending, it is critical that you use your CIMB credit card carefully and only buy what you can afford to repay. This allows you to reap the benefits of the instalment plan while keeping a healthy financial situation.

Unlock Financial Flexibility with CIMB CashLite

CIMB CashLite is a useful service for CIMB credit cardholders. You can use this service to convert your available credit limit into cash with customisable repayment arrangements. It’s a wonderful alternative for unexpected needs or when you need some extra cash to help you manage your finances better.

The CIMB CashLite has a fixed interest rate, which means your monthly payments will be the same throughout the term, making it easy to budget. Furthermore, because this feature is part of the CIMB credit card promotion, you can enjoy cheaper interest rates when compared to other kinds of borrowing.

It is simple to apply for CIMB CashLite. You can apply through the bank’s online banking platform, CIMB Clicks, or by phoning the CIMB customer service hotline. The monies will be credited immediately into your selected bank account once approved. While CIMB CashLite can give financial assistance, it is critical to use this function carefully. To prevent any additional charges, choose a payback term that fits your financial condition and make timely payments.

How to Apply for a CIMB Bank Credit Card?

Choosing the right CIMB credit card for your needs is a crucial decision, but once you’ve made that decision, the application procedure is simple. We will walk you through the CIMB credit card application procedure.

Eligibility Criteria: What You Need to Know Before Applying

Step-by-Step Guide to the Application Process

Prepare the general documents wanted for the CIMB credit card application, such as the ones listed below, to speed up your CIMB credit card application.

After Your Application: Approval Process and Receiving Your Card

Once you have submitted your CIMB credit card application, the bank will begin the review process. This includes confirming the information you gave, evaluating your credit history, and analysing your credit management abilities. The bank will typically process your application within 7-10 business days. This can, however, fluctuate based on the volume of applications received by the bank.

Checking Application Status

After submitting your application, you can check your CIMB credit card application status online by going to the CIMB website and entering your application reference number. You can also phone the CIMB credit card hotline to check about the progress of your application.

Approval Notification

If your application is approved, you will be notified by SMS or email. This notification will include information about your credit limit as well as any other vital information about your new CIMB credit card.

Receiving Your Card

Your new CIMB credit card will be mailed to the address you provided in your application after it has been authorised. To avoid delays, it is critical that your address be correct and up to date. For security concerns, the card will be shipped inactive.

Activating Your Card

You must activate your new card before you can begin using it. This is normally accomplished using CIMB Clicks, the bank’s online banking platform, or by calling the CIMB credit card hotline. During the activation procedure, you will be required to create a PIN for your card.

Setting Up Online Banking

If you haven’t already done so, sign up for CIMB Clicks now. You will be able to manage your CIMB credit card online, check your balance, make payments, and do other things.

Conclusion: Choosing the Right Credit Card for Your Needs

It is critical to select the proper CIMB credit card to reap advantages matched to your lifestyle. Each CIMB credit card has its own set of incentives, ranging from cashback to travel rewards. Cardholders can earn points for every transaction through the CIMB credit card rewards programme, which can be redeemed for various gifts or vouchers. Furthermore, CIMB credit card promotion provides cardholders with seasonal discounts and special deals, increasing the overall value of possessing a CIMB card.

Finally, choosing a CIMB credit card should be based on your spending habits and the perks you want to receive. Each CIMB credit card is meant to deliver value and improve your financial management, whether it’s by collecting rewards points, receiving cashback, or taking advantage of exclusive deals. As a result, before making a decision, it’s critical to evaluate the features of each card, consider your spending habits, and weigh the rewards you want to obtain.

If you’re interested on finding other best credit cards, you can visit our Best Credit Card in Malaysia page.

**Disclaimer

This content is given for general informational purposes only and should not be construed as financial or legal advice. While we make every effort to deliver accurate and up-to-date information, we make no guarantees or representations on the completeness, accuracy, or reliability of any material supplied. CIMB credit card terms and conditions, including any incentives, are subject to change at the bank’s discretion. As a result, for the most current and personalised financial advice, it is best to speak directly with CIMB or a trained financial counsellor. Any information supplied here is used entirely at your own risk.

Frequently Asked Questions