Mastercard · Conventional
CIMB · MALAYSIA
CIMB e Credit Card
Min. annual incomeRM24,000RM2,000 / month equivalent
Principal annual feeRM80
Card networkMastercardConventional card
Apple PaySupported
Google PaySupported
THE DETAILS
Benefit breakdown
Rewards & miles
| Earn | Eligible spending |
|---|---|
| 12 points on every RM1 | on Online Shopping, Auto-Billing Payments (telco, utility bills and online streaming services), and In-Store Contactless on eDay, every 28th of the month |
| 3 points on every RM1 | on Online Shopping, Auto-Billing Payments (on telco, utility bills and online streaming services), and In-Store Contactless Spend, everyday except eDay |
| 1 point on every RM1 | on In-Store PIN Purchases everyday |
Fees & charges
- Principal annual fee
- RM80
- Annual fee waiver
- A dated fee-waiver campaign runs through 31 December 2028; qualifying spend applies.
- Supplementary annual fee
- RM0
- Service tax
- RM25 per physical card on activation and annual renewal
- Retail finance rate
- 15% / 17% / 18% p.a., based on repayment history
- Cash advance interest rate
- 18% p.a.; calculated daily from withdrawal
- Cash advance fee
- 1% or RM4.11, whichever is higher; applicable tax extra
- Minimum monthly payment
- Higher of RM50 or 5% current balance + all taxes, instalments due and unpaid prior minimum payments
- Late payment / compensation
- 1% unpaid balance; minimum RM10, maximum RM100
- Overseas conversion
- Network conversion / fees; additional 1% bank administration fee
- Interest-free retail period
- 20 days from statement date, only when full balance is paid on time; excludes cash advances & balance transfers
Requirements
- Minimum annual income
- RM24,000
- Principal minimum age
- 21 years
- Documents
- Identity / passport and income evidence; self-employed applicants also need business registration and bank / tax records.
Payment plans
Balance transfer
| Tenure | Rate | Minimum transfer | Processing fee |
|---|---|---|---|
| 6 months | 5.99% p.a. | RM1,000 | RM0 |
| 12 months | 7.99% p.a. | RM1,000 | RM0 |
Subject to approval and available limit. Normal finance charges apply after the plan ends.
CIMB 0% Easy Pay
| Tenure | Rate | Purchase requirement |
|---|---|---|
| Up to 36 months | 0% | Merchant-specific minimum and available tenures |
Participating merchants only. Pay each monthly instalment in full; merchant requirements can differ.
Product features
- Points redemption
- Redeem CIMB Bonus Points for participating airline miles, hotel rewards, gifts or eligible pay-with-points transactions. Each partner has its own conversion rate and minimum; the headline earn multiplier is not miles per RM1.
- Pay with points
- 500 Bonus Points = RM1 for eligible merchant / cashback redemption; check the current rewards catalogue.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.