CIMB Lite-i Credit Card

Min. annual incomeRM24,000RM2,000 / month equivalent

Principal annual feeRM0

Fixed profit rate14% p.a.

Apple PaySupported

Google PaySupported

THE DETAILS

Benefit breakdown

Essential card benefits
Feature	Details
Retail financing	Fixed 14% p.a.; non-compounding
Cash advances	14% p.a.; separate withdrawal fee applies
Annual fee	Lifetime annual fee waiver.

Principal annual fee: RM0
Annual fee waiver: Lifetime annual fee waiver.
Supplementary annual fee: RM0
Service tax: RM25 per physical card on activation and annual renewal
Retail profit rate: 14% p.a., fixed
Cash advance profit rate: 14% p.a.
Cash advance fee: 1% or RM4.00, 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 (subject to actual cost)
Overseas conversion: Network conversion / fees; additional 1% bank administration fee

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.
Credit limit ceiling: Lower of RM20,000 or twice monthly income

Flexi Payment Plan-i campaign
Tenure	Profit rate	Minimum eligible spend	Campaign period
6 months	0%	RM500	7 Oct 2026 – 31 Oct 2027

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.